Exposure credit refers to the credit line of a bank that is not covered by risk mitigation measures. For example, if a bank gives a credit of 1 million yuan to an enterprise, and the enterprise opens a bank acceptance bill with 8% margin, the remaining 2% is the exposure credit line;

Non-exposure credit means that the pledge or guarantee provided by the borrowing enterprise can cover the credit amount, and the bank does not have to bear additional credit risks, which is also called low-risk business.

This answer is provided by Youhuahua, which is a credit platform under Duxiaoman Finance. Duxiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties and fully support small and micro production and operation. Most small and micro owners choose Youhuahua to meet the turnover needs of small and micro operations. It is reported that 7% of the credit users of Xiaoman Finance are small and micro business owners. Up to now, Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners, so that the capital turnover can be found in Xiaoman Finance, and the big brands are more at ease.