Research On Credit Risk Management Of Business

It is the industrial and commercial enterprises to those that the industrial and commercial enterprises that buy goods offer by way of selling on credit that enterprise's credit of our country exists more at present, credit sales that as it always goes, that is to say. Credit trade whether developed market economy require, can play a role in reducing transaction cost and expanding the market scale ,etc. , adopt credit trade will inevitablely bring certain risk too , look on as credit of both sides subject actor can fulfil regulation of agreement on time, naturally produce the credit risks. Generally all set up the creditable administrative department in enterprises of the developed countries of market economy, manage one of the key contents considered to be modern business administration in credit. It is to make policy scientific management of carrying on, how scientifically operation one credit administrative department of enterprise. It study enterprise for credit not to manage, make and carry out credit policy of enterprise, recover this department customer risk management, account receivable management, trader account that duty belong to, such functions as the auxiliary department of enterprise's market exploits market are brought into full play. It is due to a risk question naturally when mentioning credit management. The understanding more overall to the risk should be: Risk some one economic uncertainty of income of business, here income should include the lost possibility too, and this kind of uncertainty can be measured. Perfect market economy should be a kind of credit economy. After our country joins WTO, it is the task of top priority of participating in keen competition to improve credit consciousness. The essence of credit means that regards repaying principal and interest as the debt-credit behaviors of the transfer goods or the currency temporarily of the condition. Once credit takes place, the existence thereupon of risk. According to the traditional view, the credit risks refer to the risk that the other side does not honor an agreement, solvency risk that that is to say. Individual, enterprise, financial institution and country are all production subjects and the main body of bearing of the credit risks. In the face of the credit risks, enterprises must strengthen and carry out the precautionary measures, it is comparatively extensive to use in the bank in riper credit risks office procedure and means at present, and still there are a great deal of obstacles and deficiencies in carrying on the risk management method of credit in enterprises, this is especially outstanding in our country. But the one that is worth drawing lessons from is, there are similar theoretical foundations in enterprise's credit risk management and credit risk management of the bank, this has offered the facility for the fact that we probe into enterprise's credit risk management new method and means. This thesis advocates enterprise's setting up perfect credit system and credit culture at first, take the suitable risk management technological method of credit at the same time. Enterprise most heavy difficulty to confirm customer credit risk when carry on credit sales, namely analyze the tolerance to customer's credit ability and potential customer's credit risks, this is a great difficult point of risk management of credit too. According to the traditional view, the credit risks generally only refer to the risk that the other side does not honor an agreement. So, weighing the credit risks is to want possibility problems of breaking a contract that enterprises' waiting face, should first confirm in breach possibility that incident exist , happen how heavy it will be in breach possibility of incident. Another kind of view thinks the production of the credit risks stems from the customer's refund ability . Should pay attention to the qualitative method and combine with quantitative method when weigh the credit risks. On the foundation based on this kind of understanding, a lot of people, in order to solve some problems, propose and set up some and analyze and appraise models. Some of the models are thinking of a kind of analysis and structure, full of models of counting, full of marking model, etc., more typical model is as follows, Z marks models, tolerance of credit and makes models, credit combined method etc., these models have all got certain application in practice. But in the exchanged trade among enterprise, these models all demonstrate certain limitation, in order to make enterprise's credit sales science rational, control the credit risks effectively, we develop and lie in the enterprise credit risks that the commercial realm of sale is suitable resolve the comprehensive model with the tolerance, his model will influence various kinds of factors of enterprise's credit risks to resolve at first, analyze alone, use the statistics method to confirm one's own contribution rate , provide the whole risk index ; Then draw the risk and make the method of measuring up , weigh the credit assets while there is N a transaction and make the size of risk up , Among them apply to the statistics method of probability. This thesis is devoted to studying practice result and deficiency of enterprise's credit risk management of our country, Absorb external experience, probe into the micro mechanism of setting up modern enterprise's credit risk management, Measure to enterprise key technology namely enterprise credit risks, credit risks of management method go on the synthesis of the...