Credit Grade Evaluation Project Report Of D Company’s Credit Sale Customer

With D company’s product sales scale and market share expanding,credit sale has become the major method of payment between D company and customers. But as a result of management issues about company credit risk management system is not sound and some management issues,the problem of receivable accounts in arrears and bad loans is increasingly serious.Based on this situation,Credit Department of D company put forward the credit grade evaluation project to help the company control the credit risk and improve credit risk management system.On the basis of referring to many methods,models and credit rating indicators,we finally design a set of credit grade evaluation system of credit sale customers according with the actual needs of D company. The report also generalizes the methods of constructing the weight of indicators,and AHP is chosen to construct the weight of the indicators in this credit grade evaluation system.The report also attempts to put forward a method to measure the line of credit dynamically from the perspective of credit risk control.During the measuring process,we introduce the concepts of highest line of credit in history、temporary line of credit. referring line of credit and revised line of credit to support this method.At the end of the report,we use the credit grade evaluation method we designed to measure the credit grade of532credit sale customers on the evaluation list of the company and then we analyze the outcome.Finally we put forward some recommendations about the system construction aiming to improve the credit management of the company.