To strengthen enterprise credit management in some research

[pick to] credit trading is the objective requirement of the economic development, so to strengthen the credit management is the only way for the development of the enterprise. And strengthen enterprise credit management at present can start from the credit management department, set up the credit management, use trial credit insurance to training and management personnel of the credit.

[key words] enterprise credit management the credit management credit insurance credit management division

General secretary hu jintao in "17 big" in the report clearly points to to "sound social credit system", so the author thinks, the future of China's social credit system construction will be a new upsurge again, and strengthen the enterprise credit management is sound social credit system the important content.

With the development of our social economy and the buyer's market formation and the improvement of people's living standard, the face of the fierce competition, by the quality of the light, brand, the service, price of the traditional way can not meet the needs of the development of the situation, the objective laws of economic growth require new method. And credit business is a very effective way. From the developed countries of the world situation, the enterprise credit transactions of the proportion of the total volume has more than 90%. Practice in credit transactions will prove to the development of the enterprise produce huge role. Because, the enterprise develop credit transactions, the "credit" basically can be said to be "intellectual wealth", is "new productive forces", is "innovative financing tool," is "can borrow against future income used for purchase promissory note, consumption today." Enterprise in the implementation of scientific management, and on the basis of moderate on the credit, and credit expansion will drive the development of the enterprise. Thus, in the new historical conditions, the development of the enterprise must with extensive credit economy, the credit for transactions, credit management in education combined, make the enterprise and the masses can understand that, as the China's social and economic development, credit and capital, technology, talent is the same economic development to create wealth of resources. Introducing credit philosophy, and strengthen the credit consciousness, abide by the credit rules, will become a new period of enterprise development road of the prudent. For this reason, the author puts forward strengthening our country now (especially developed economic regions) enterprise credit management Suggestions:

One, in the enterprise of the promotion credit management function department set up or position

The credit management department is enterprise credit risk for sales dissolve goal, in marketing, finance, marketing and product and functional departments of the coordinated role important department. Many western developed countries have set up a credit enterprise general management functions, and our country enterprise at present are less established. Therefore, the authors suggest that the government should be competent agencies in all kinds of enterprise (especially chinese-invested enterprises) set up credit management function of the promotion department. A larger enterprise may be established in the credit management department, and by the general manager in direct leadership; And small enterprise can be set up credit management job, and belong to the general manager's office. In this way, it can ensure the organizational structure of credit management function to perform.

Second, in the big enterprise in the credit management mode trial

The credit management mode is a consulting experts in China, Beijing bo up the management consulting company (the former east international factoring center), chairman of the board of the first of the XieXu professor. The credit management mode the enterprise credit management is divided into three stages, respectively for the customer credit before signing the collection and customer screening, when he signed credit analysis and assessment and decision-making after signing the accounts receivable management and pick up close, which emphasizes the whole process management. This management idea for Chinese enterprise to ignore in early and middle management only paying attention to the reality of the later-period management situation has certain practical significance and also put forward enterprise should establish special credit management department responsible for the work.

The credit management model in the first few years of the enterprise credit management practice has made significant achievements, such as: large state-owned enterprise wafangdian bearing group company, faw group dalian diesel factory, is to use the credit management mode and to rule out distress, and the typical example of success. Therefore, the author suggest the domestic enterprise (especially large enterprise) should actively try out the credit management mode, and strengthen the concept of the credit management, in order to improve the enterprise market competition ability.

Three, in small business enterprise credit management outsourcing explore service road

For the small businesses for, try out enterprise credit management outsourcing service is the current stage of the way to go. In recent years, Beijing, Shanghai and other developed areas of the birth of a large number of credit management professional bodies, but these institutions are often business in state do not have enough to eat. And the small businesses and business scale with limited and temporary, and there is no need to set up the credit management department or position. Therefore the author thinks that the small business credit management work can be outsourced to credit management professional institutions. So that we can save a small human resource cost, and also can ease credit management professional agency business depression of the status, so as to realize the "win-win".

Four, the use of credit insurance transfer enterprise credit risk

Credit insurance is the guarantee is the enterprise accounts receivable from not normal loss of insurance, speaking of the enterprise, the insurance company intervention on the one hand we can and to take the risk of default, on the other hand, can guarantee enterprise to withdraw money. Credit the reduction of risk can make policy-holder payment accessibility improve. From the whole, credit insurance can reduce enterprise credit risk through promoting market efficiency.

Enterprise credit sales use credit insurance, can reduce credit market transaction costs, and expand the market scale. As a third party, the insurance company intervention can more effectively overcome enterprise and customer information asymmetry between problem, prevent and resolve caused by information asymmetry risk, and also can enhance the enterprise the credit management level.

Five to training, enterprise credit management talent

Promote enterprise credit management, talent is the key. In March 2005, the Chinese market to credit working committee declare "credit management division" new professional by the original labor and social security ministry issued a formal, in our social credit system construction will have great influence on the progress. It marked the credit management services industry in China as a constituency industry is established according to law, marks the credit management career has officially become China's professional technical position is a member of the sequence, showing that China's credit management employees will be the basis of standardize healthy growth, and the social credit system construction in our country play a proper role.

Credit management division main activities include: to establish an effective enterprise credit management system; Making enterprise credit system and credit policy; In early trading, object to trade credit investigation and evaluation, credit and determine FangZhang period; In trade, in the middle of the receivable corresponding strengthening management, and take the necessary measures to the transfer of risk safeguard enterprise claims; In late trading, happened to late payment charge after; And the use of credit management professional technology and professional credit registry database risk prevention, develops the market, and so on.

At present, "assistant credit management division", "credit management division" and "senior credit management division" series of professional qualification examination by the China market has to credit working committee implementation. At the same time, some of the universities in our country are sized up the situation, to set up the "credit management" professional (or specialized), so in the next few years, our country will be born the first batch of highly educated credit management talents. Therefore, in my view, the enterprise should strengthen with all these colleges of production and learning cooperation, on the one hand, want to accept and use this batch of talents, on the other hand, to combine the credit management division new occupational training work, to training all levels of enterprise credit management talent.