The Research On Overall Credit Management System Of Company

Chinese economy had already changed from seller market to buyer market. In the competitive position of mainly buyer market, credit trade has been necessary operate method of obtaining market competitive power for company. In China, credit problem mainly shows delay payment of company and company, or company and bank. Delay payment has been ever a big problem of effect our economy. As we all know, this problem is credit risk problem in actual. It is because of external environment and internal management, hence, internal management is the key factor. In company internal management institution, marketing, finance management, information management and credit management are very important and mixed each other. Among them, credit management is the core part of modern company management. In developed country, credit management is the life of company. Without a perfect and effective credit management regulation, company will lack enough market competitive power and lost the ability of sheltering credit risk and be kicked out of market. The basic reason of delay payment is that company internal management need improving and be in short of professional credit risk management regulation. The root of the bank credit risk is also from company credit risk. In a word, it is essential for bellowing credit risk that we should do well in company credit management.This article summarizes the present status of Chinese company's credit management and researches the reason of lack of credit management and the meaning of credit management for the development of company. According to the relative theories of credit management and on the foundation of current overall credit management solution of company and combining with the understanding of actual example, it advises the intention of overall credit management and company must have qualifications and protect system. By overall credit management, we can high competitive ability of Chinese company. At the end of this article, it provides the research of actual case.