ARTICLE

Volume 9,Issue 8

All Issues
Submit to PBES
Cite this article
2
Views
3 June 2026
Research on the Credit Risk Assessment System of the “Instant Approval and Loan” Model for Small and Micro Enterprises Enabled by Fintech
Yilong Chen
Show Less
1 Shenzhen Audencia Financial Technology Institute, Shenzhen University, Shenzhen 518000, China,
PBES 2026 , 9(4), 109–114; https://doi.org/10.26689/pbes.v9i4.14951
Cite
XML
HTML
Abstract

The “instant approval and loan” for small and micro enterprises relies on fintech to achieve fully online and automated credit approval processes, greatly accelerating the financing speed. However, there are numerous credit risks such as data, technology, market, operational, and legal compliance risks. Based on practical scenarios, this paper defines the core connotation of this model, analyzes the specific manifestations of five core risks, and finally constructs a feasible credit risk assessment system from four dimensions: financial status, operational capacity, credit history, and market environment. This provides practical paths for financial institutions to optimize risk control and ensure the stable operation of their businesses.

References
Wang K, 2026, Credit Risk Prevention and Control of Small and Micro Enterprises in the ‘Bank-Tax Interaction’ Model. Sales & Management, 2026(7): 30–32.
Xu Y, 2026, International Experience of Patient Capital Enabling the Development of Science-and-Technology-based Small and Medium-sized Enterprises. Communication of Finance and Accounting, 2026(6): 3–16.
Yang J, Xia J, Yu H, 2026, Green Credit Policy and the Optimization and Dynamic Adjustment of the Capital Structure of Polluting Enterprises. Communication of Finance and Accounting, 2026(5): 56–60.
Wu Y, 2026, On the Management of Accounts Receivable of Modern Enterprises from the Perspective of Whole-process Management. Market Outlook, 2026(5): 160–162.
Li M, 2026, Identification and Prevention Strategies of Enterprise Financial Fraud from the Perspective of Bank Customer Economy. Market Outlook, 2026(5): 64–66.
Liu H, 2026, Innovation of Rural Enterprise Loan Models and Optimization of Service Systems. Shanxi Agricultural Economy, 2026(3): 238–240.
Lu M, 2026, Identification of Financial Risks of Loan-taking Enterprises and Collaborative Prevention Strategies between Banks and Enterprises. New Silk Road Horizon, 2026(1): 130–132.
Li X, 2025, Key Points of Industry Credit Concerns in the Survey of Inclusive Finance Loans for Small and Micro Enterprises. China Credit, 2025(11): 96–99.
Deng C, 2025, Research on the Dilemmas and Countermeasures of Loan Financing for Small and Medium-sized Enterprises. Business 2.0, 2025(30): 103–105.
Gao D, Ma Y, 2025, Can Banks Identify Misreported Financial Information of Enterprises in Advance? Evidence from Loan Data of a State-owned Commercial Bank. Accounting Research, 2025(10): 32–43.
Share
Back to top
We use cookies on our website to ensure you get the best experience.
Read more about our cookies here
Accept