Study On Enterprise Credit Management In L Company

Nowadays, in pace with the deepening of our economic system reform, a gradual shift of market from sell's to buyer' s causes keener and keener market competition to enterprises. In order to extend sales portion and improve business image, the enterprises must deliver competitive products and services including preferential deal settlement, which is credit deal. But credit deal has two sides: it brings more chance as well as more risks in business. That is credit risks. The needs of evading such kind of risks and minimizing the loss has become the extremely urgent problem for enterprises. As the core content of modern enterprise management and administration, credit management is a set of professional program, strategy and necessary organizational system which aims to enhance credit capacity and control the credit risks in business.By means of explanation of credit management theory, especially in credit evaluation, credit term, credit criterion, line of credit and policy of account receivable, and introduction profile of L company, the thesis designs a system of credit management after analyzing necessity and principle. Then the thesis summarizes some questions during running credit management , including risk, operation, examine, credit system, control in advance, quantitative and qualitative analysis, information, and so on.After analyzing credit management theory and practical operation of L company, the writer designs a system of credit management including putting up department, filing customers' information, improving on credit evaluation system, carrying out institution of granting credit and strengthening management of account receivable. Based on theory and practice, the writer puts forward an operational module of credit management for high-tech enterprises. That may provide some useful reference in business risks control for L company which is under the process of credit management. so as to raise the market competition.