Trade financing outside-sheet business credit granting method based on second-level legal person

The invention provides a second-level legal person-based business credit granting method outside a trade financing sheet. The method comprises the following steps of: making a trade contract; the customer qualification is evaluated and credit is granted to the customer, and a credit ledger is established; the customer manager agrees a margin proportion and a guarantee mode with the customer, handles a trade financing service for the customer in the credit management system, and inputs service information; the customer manager generates and signs a contract in the information management system, sends a freezing instruction to the core accounting system, formally freezes the deposit, and automatically returns a freezing number after successful freezing; the customer manager submits an expenditure application to the credit management system, and the credit management system generates a piece of borrowing data in a state of'expenditure notification 'and sends service data to the international settlement system th