Credit Sale Management Based On Information Technology

Credit sales (sell on credit) is based on enterprise's trust of customer's credit reason and credit abiliy. It make the buyer needn't pay in cash to obtain the goods or service. But the judgement on customer's credit reason and credit abiliy is based on the customer's information opening up. The more full of the customer's informaiton, the more accurately we can judge the customer's credit reason and credit abiliy.However, the enterprise's credit informaiton is not open, disconnected and not shared each other because it's distrubited in different departments of the government. Many enterpises' credit consciousness is dim, and short of mechanism and systems to keep credit sale's risks away. So, many corporations default payment for goods each other, receivables is evey high for a long time.Credit sale management aims to reduce the credit risk of customers and maximize profit from customers. Both of them are necessary for enterprises to survive and develop, being in unify and opposite. The enterprise's business activities are all be done around customers. Besides to rely on normal credit condition for whole society, it's more important to build the system keeping credit risk away in enterprises.All the data maybe correlative the customer can be collected, consolidated , integrated and shared if we have established credit sale management information system in the corporation. Based on them, according to predefined business objective, through probing and analysis in mass data on customers, Data Mining will explore connotative business rule, further create relevant analysis and prediction model.Based on manage character on normal sale corporations, after analysing and choosing different factors effecting customer's credit, we can constitute a neural network construction for the credit risk assessment. Trained and tested by mass samples, the model can be built to evaluate customers' credit risk reasonably and actively. On the basis of the evaluation for customers' credit, Clustering is used to segment customers by their values, in order to serve and manage the customer pertinently. What's more, we can prioritize the limited resource in the corporation.