| In recent years, China's economy continues to soar, China entered into the era of credit economy and credit crisis appears to it accordingly. The credit economy is cornerstone of modern market economy, honesty in business plays a crucial role in ensuring the enterprises continue to develop and the domestic economy keeps growing rapidly and reasonably. However, China is still in the process of setting up its socialist market economy, with the impact of several factors, skip payments, breach of contract, abuse of rights, business cheating, counterfeit and shoddy products, those are exist in China every single day. It increases the transaction cost, debases the efficiency and vitality of market, worse for the market environment and market order, it also has direct impact of market system and the efficiency of resource allocation.For there is not a good system or solution exist to solve the credit management's problem, hence, it jumps into the spotlight and became the focus of companies and individuals.This thesis is about analysis of the current market of credit management, applied with many years' experience of Xiamen Jiujiu Shibang Investment & Guarantee Co., Ltd. to create a solution to solve the credit management problem in a more vibrant way, therefore, to provide a credit management model for companies and individuals, furthermore, how to train and bring up a credit management team and set up the complete framework for Shibang credit management. The writer also wishes this thesis can convey some enlightenment ideas and ways of thinking to Xiamen local outsourcing industry on the aspects of credit management.Conclusion: based on the characteristic of credit management and current demand, guarantee institution apply its flexible ways to solve credit management problem for companies and individuals, this is creative and practical. The outsourcing of credit management will become a trend. Credit management will become an integral part of modern enterprise eventually. |
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