Study Of China's Sme Credit Management Issues

According to train of thought of economic development of our country since reform and opening-up, small and medium-sized enterprises'(SME) contribution rate to national economy raise constantly and gives play to the important function day by day. But the development of credit management in SME is not plain sailing, in the course of its development. This essay has carried on the helpful discussion from several ways to solve credit management in SMEs.Firstly, I introduced the basic theories and some conceptions about credit management and the targets of using credit management.Secondly, based on the advanced experiences on credit management existing in developed countries, this text introduced modern credit management system and "3+1" scientific theory of credit management.Thirdly, this essay pointed out the credit management problems of SMEs in China.Finally, following the re-directing of credit management system and problems in A Company. The essay improved its credit management system consisting of credit management organization, evaluation system of credit grade on customer as well as credit management policy, and newly set up operation flow of credit management of sales on account.