企业商业信用现状及管理对策毕业论文

 2021-04-07 10:04

摘 要

我国中小企业正在快速地成长,也渐渐发展成鞭策社会市场经济发展的动力。然而中小企业自身的规模和特点,决定了中小企业存在较高信用风险的悲惨命运,在我国实现由计划经济体制转向市场经济体制,也大大加剧了中小企业所存在的信用风险。因此,怎样有针对性地制定管理方案,尽可能使得中小企业实现高效益,决定着中小企业成功与否。企业信用管理是现代企业管理的重心,也是中小企业在当前市场下稳固发展的前提条件。当然,企业信用管理水准的提高对社会打造一个完善的信用环境也有很大的帮助。我国中小企业应当加强企业信用管理,并通过设立完好的信用管理体系来加强企业竞争力。

本文主要采用文献研究法,案例分析法,专家调查法等方法对我国中小企业商业信用进行研究。在国内外相关企业信用风险管理研究现状综述的基础上,重点分析了中小企业,以A公司为例探讨了我国中小企业信用管理的现状,并全面研究了我国中小企业缺乏信用的表现、特点、原因以及风险。本文根据了A公司信用管理现状分析了A公司风险管理机制不健全、风险管理方法不科学、盲目追求销售额的增长以及融资能力差等原因。同时,从企业个体角度,全方位的依据以上原因制定了解决信用问题的策略:创立系统化的企业信用管理流程以及设立高效的企业信用管理组织。创新点在于从理论角度和现实角度双方面进行企业商业信用现状的分析,同时做到有重点地、有针对性的选择,通过搜集相关的资料数据,采用现实数据予以说明,进行积极探索,找出对策,提出建议,制定符合我国中小企业商业信用的管理对策,研究成果具有一定的现实意义和参考价值,并积极的应用于A企业。

关键词: 中小企业;商业信用;信用风险;企业信用管理

Research on the Actuality and Countermeasures of

Corporate Credit Management

ABSTRACT

As we all know, since the reform and opening up, China's rapid development of small and medium-sized enterprises has gradually become an important force in promoting the development of social market economy. However the size and characteristics of small and medium-sized enterprises determine higher credit risk of the tragic fate, after the realization of our country from a planned economy to a market economy, small and medium-sized enterprises are facing credit risk is more severe. Therefore, how to effectively implement the management strategy, and strive to maximize the benefit of the small and medium-sized enterprise, determines the success or failure of small and medium enterprises. Corporate credit management is one of the core contents of modern management and the basic factor of the existence and development of all enterprises in the market economy. Meanwhile,the improvement of corporate credit management will contribute to 'the establishment of a good credit environment in China. Enterprises should pay more attention to credit management and establish right credit management system in order to enhance competency.

This article mainly uses the literature study, case analysis, Delphi method and other methods of our commercial credit research. In the credit risk management of foreign-related enterprises on the basis of current research, focuses on small and medium enterprises, a company as an example to discuss the status of small and medium-sized enterprises' credit management, the lack of credit in China features, performance, analyses the causes and harms. Analysis based on a company's credit management a company's risk management system is not perfect, risk management methods are not scientific, blind pursuit of sales growth and causes such as low financing capacity. And for these reasons presented in individual enterprises solve credit problems the main countermeasures to be taken: establish effective credit management organization and establishing a sound credit management process. Innovation points is from theory angle and reality angle double aspects for enterprise commercial credit status of analysis, while do has focus to, and has targeted of select, through collected related of information data, used reality data be description, for active exploration, find countermeasures, proposed recommends, developed meet China small and medium-sized enterprises commercial credit of management countermeasures, research results has must of significance and reference value, and active of application Yu a, enterprise

Key words: Small and medium-sized enterprises;Commercial credit; Credit card; Commercial credit risk

目 录

摘要...............................................................................

ABSTRACT........................................................................

1绪论..............................................................................1

1.1研究背景及意义...............................................................1

1.1.1研究的背景..............................................................1

1.1.2研究的意义..............................................................1

1.2文献综述.....................................................................2

1.2.1中小企业商业信用风险基本现状分析........................................2

1.2.2我国中小企业信用风险管理对策及研究案例..................................3

1.3研究思路与方法...............................................................5

1.4研究技术路线图及创新点.......................................................5

2中小企业商业信用风险概述..........................................................7

2.1信用管理几个主要概念的界定...................................................7

2.1.1信用的概念..............................................................7

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