The Use Of Crm In Credit Management Research

Good Credit is an important guarantee for the establishment of a standardized market and an important condition for the effective prevention of trades risks. With the development of the economy, based on Electronic Data Interchange and the Internet, Credit support for the integrity of the international system is integrated throughout the entire global market economy. In contrast, losing credit is greatly existing in China's market, which has become a major constraining "bottleneck" to healthy economic growth. Besides some enterprises' not understanding the importance of credit management, the reason is many enterprises lacks specific measures for the establishment of credit management system. How to establish an efficient and precise business credit management system has become a common concern and the focus of the theoretical circle.This article holds that the center of the development of modern credit management ideas should be customer and customer relationship management (CRM) is an effective tool for customer credit management. Some ideas and methods in CRM can be well practiced in credit management. Firstly, the article states the topic choosing background, generalizes the progress of research in the related fields, define and explain the scope and object of the study, and puts forward study thinking. Before specific study, the article focuses on the analysis of the principle of CRM, and then points out the relationship between it and credit management, discoursing the specific application of Data Warehouse and Data Mining technology of CRM in the process of customer credit information. Finally, through the analysis of the business credit management system, the article puts forward the overall CRM solutions, which can provide immediate and effective support on credit decision-making for managers, thereby can reduce the business risks and improve the enterprise's cote competitiveness.