Enterprise Credit Management Research

With the developing thoroughly of market economy in our country, management of credit has already become an outstanding problem influencing and restricting enterprise's development. The causes are to lack knowledge and system of taking precautions against the credit risks in credit management in the enterprises of our country, to lack method and technology of relying on the credit tool to exploit market and to lack the specialized personnel of credit management. As we all known, after the shortage economic situation, " chain debts " are perplexing enterprises for a long time, especially state-owned enterprise. after going through extensive " tripping and clearing up defaults ", the problem has not been solved fundamentally . In recent years, enterprises are in arrears with the payment for goods each other, the account receivable remains high for a long time and has already become the first big persistent ailment in economical operation influencing the turnover of enterprise's fund and improving of the economic benefits seriously and having set up very great obstacle for the SOE reform, so that simple production and operating activities are hard to carry on. So improving the risk consciousness of the administrative staff at all levels of enterprises and strengthening the work of enterprise's credit management have already become the present enterprise's reform of our country and top priority task of developmentThere is fierce competition in home market and abroad market for our domestic enterprises. What cause the fierce competition? One is that the domestic enterprises have to supply better manufactures and service in the buyer's market for enlarging sales, including supplying the better quomodo of exchange balance, for example an account sale. The other is that the domestic enterprise must keep away risk for advancing capital velocity, the recycle rate of receivables and decreasing the cost of management. How to realize the aim of maximize profit and minimize risk of...