Exposure credit refers to the credit line of the Bank that is not covered by risk mitigation measures. For example, the bank granted a credit of 6,543,800 yuan to an enterprise, and the enterprise issued a bank acceptance bill with 80% margin, and the remaining 20% was an open credit line;

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

This answer is provided by Youhuahua, a credit platform of Xiaoman Finance. Xiaoman Finance will earnestly 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 enterprises. It is reported that 70% of 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 capital turnover can be found in Xiaoman Finance, and big brands are more assured.