Corporate Commercial Credit Risk Management System

At present, many experts, scholars and other relevant researchers put forward management theories, methods, means, modes and information management system etc. in succession. These theories and views have given practical management method and step of solving enterprise's credit risks, have practical realistic meaning to enterprises of our country. But above-mentioned researcher did not proceed from systematic view mostly, regard credit risk management as a system engineering to analyze. Because of above-mentioned situations, this paper try to apply System theories to Risk management of credit in Enterprise, Namely utilizing the system approach to analyzing and deal with the subject matter existing in enterprise's credit risk management.This paper start with analyzing the current situation of the credit risk management theoretical research, Regarded domestic large-scale enterprise as the reference object, regarded management theory of the credit risks, system theory and information theory as the theory foundation, regarded advanced management experience of western enterprises as the model, applied the system method and structure method to research Systematically credit risks management system and six subsystems such as organization, procedure, administrative skill or method, information, environment, management object, etc. So as to put forward the general mode of management System of credit Risk preliminary, Can offer theory support for establishing management system of credit risks in enterprises. In addition, this paper still used an ocular measure models for credit risks to Estimate the credit risks and change of every profession and trade. And analyzed and commented the credit risks characteristic of domestic enterprise, pointed out main variable of credit risks through statistical analysis and regressive analysis. At last, we got some benefit enlightenments for constructing the management system of credit risks in enterprise.How to take precautions against and control credit risks that produce because of " selling on credit ", raise turnover rate and recovery rate of the account receivable, reduce the cost of risk management, has already become problems urgently to be solved of a lot of enterprises. We consider, the way to solving these problems is not in the macroscopic but in the microcosmic, Enterprises should start with setting up an advanced management system of credit risks, systematize and proccdurise one's own credit management, Thusimprove working efficiency and working level, achieve the purpose to take precautions against and control the credit risks effectively finally.