企业信用管理存在问题与解决对策

企业信用管理存在问题与解决对策摘要:随着我国市场经济的不断深入发展,信用管理问题已成为影响和制约企业发展的一究其原因,是我国企业内部在信用管理上缺少防范信用风险的知识和制度,缺少依靠信用工具去开拓市场的方法和技术,缺少信用管理方面的专门人才.正如大家所了解的,短缺经济状况结束后,“三角债”就长期困扰着企业,特别是国有企业.虽然经历一次大规模的“解扣清欠”,但是问题并未从根本年来,企业相互拖欠货款,应收账款长期居高不下,已成为经济运行中的一大顽症,严重影响了企业资金的周转、经济效益的提高,为国有企业改革设置了很大障碍,甚至连简单的生产经营活动都难以为继.因此,提高企业各级管理人理干部的风险防范意识,加强企业信用管理工我国企业改革与发展的当务之急. 我国企业无论是在国际市场上,还是在国内市场上都越来越感到严重的竞争压力.这种竞争的压力来自两个方面:一方面,在目前买方市场为主的竞争环境中,企业为扩大市场销售份额,必须向客户提供有和服务,其中包括优惠的交易结算方式,例如赊销.另一方面,企业也必须时刻注意防范和减少交易风险,提高资金周转率和应收账款回收率,降低管理成本...

关键词:信用管理;存在问题;解决对策

Enterprise credit management problems and

countermeasures

Abstract:With the deepening development of China's market economy, credit management problem has become the influence and restrict the development of the enterprise a , investigate its reason, is our country enterprise internal lack of guard against credit risks in the credit management system of knowledge and the lack of the method of credit tool to expand the market and technology, lack of credit management. As you know, after the shortage economy, "zombie" plagued by enterprise for a long time, especially the state-owned enterprises. While undergoing a massive "trip off", but the problem is not a fundamental over the years, enterprises default payment for goods to each other, accounts receivable is high for a long time, has become a persistent ailment in the economic operation, seriously affected the enterprise capital turnover and increase of economic benefit for the reform of state-owned enterprises set up a big obstacle, even the simple production and business operation activities are unsustainable. Therefore, improve the enterprise managers at all levels manage cadre's risk awareness, strengthen enterprise credit management work the priority of our country enterprise reform and development. Our country enterprise in the international market, or in the domestic market is becoming more serious pressure of competition. The competition pressure from two aspects: on the one hand, in the current buyer's market competition environment, enterprise to expand market share, must be and the services provided to clients, including preferential trading settlement way, such as credit sales. On the other hand, the enterprise also must always pay attention to prevent and reduce transaction risks, improve the capital turnover and accounts receivable recovery and reduce management cost...

Key words: Credit management; There is a problem; countermeasures

目录

一、企业信用管理概述 (5)

（一）信用的基本内涵及职能 (5)

1、信用的基本内涵 (5)

2、信用的基本职能与形式。 (5)

（二）信用风险 (6)

1、信用风险的界定 (6)

2、信用风险的分类 (6)

3、信用风险的来源。 (7)

（三）企业信用管理的内容 (7)

1、制度信用管理政策 (7)

2、协调信用管理部门和交叉业务部门的关系。 (8)

3、进行信用管理效果评价。 (8)

4、整合内外部信用管理资源 (8)

二、企业信用管理存在的问题 (8)

（一）企业信用管理的外部环境中存在的问题 (8)

1、信息不对称。 (9)

2、制度因素 (10)

3、企业信用缺失 (11)

（二）企业信用管理在企业内部管理上存在的问题 (12)

1、小企业信用危机的内部原因。 (12)

2、经营者及员工素质不高。 (13)

三、企业信用管理存在问题的对策 (13)

（一）企业外部管理所采取的措施 (13)

（二）企业内部管理所采取的措施 (16)

1、加强对客户信用管理。 (16)

2、加强应收账款的管理和追收 (17)

结论 (19)

致谢 (19)

参考文献 (20)