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下面为大家整理一篇优秀的essay代写范文- Enterprise credit risk management，供大家参考学习，这篇论文讨论了企业信用风险管理。企业信用风险管理，是指企业为了防止或者降低信用风险的发生而指定的一系列控制措施，使得由信用风险带来的损失在企业的可承受和可控制范围之内。企业做好信用风险管理有利于保护企业的利益。做好企业信用风险管理工作，可以避免客户不了解而签订合约，导致客户拖欠款项，违反合约的情况，直接保证了企业免受损害。

Before analyzing enterprise credit risk management, we must understand the definition and connotation of enterprise credit risk management. Enterprise credit risk management, is refers to the enterprise in order to prevent or reduce the occurrence of credit risk and specify a series of control measures, make the damage caused by the credit risk of the enterprise sustainable and controllable scope. From this, we can know that the enterprise has a great positive role in credit risk management, and the specific analysis is as follows:

One of the important reasons for enterprise credit risk is that the information of the enterprise is not comprehensive and detailed. Many businesses can't clearly understand the status of the customer credit and credit records, lead to enterprise the wrong forecast with the customers, some customers will consciously or unconsciously for some reason in violation of the terms or payment in arrears, etc. Client suddenly appeared, for example, capital chain block or financial problems to both sides of the contract, or is some customers bad conduct, to hide their tracks and evade payment, etc., all these bring the very big loss and damage. Similarly, for customers, many enterprises also fail to perform their contracts on time. For an enterprise, therefore, management of credit risk forecast is very important, is not only responsible for yourself, is also responsible for the customer, only to ensure the credit, in order to make the enterprise to establish a good credit relationship between with customers, to make the cooperation smoothly.

It is beneficial to protect the interests of enterprises to manage credit risk. To do a good job of enterprise credit risk management, on the one hand, to avoid the customer is not enough to understand and sign the contract, lead to customer payment in arrears, breach of contract, directly to ensure the enterprise from damage; On the other hand, the enterprise has a good credit risk management mechanism can strengthen the scrutiny of the contract signing, ensure the quality and effectiveness of each contract, save a lot of human cost and time cost, indirect protection against losses to the enterprise.

Good credit risk management can help enterprises to establish good image and goodwill. Under the market economy, the enterprise's self-image and credit rating directly determine the enterprise's living space and development space, and an enterprise with poor image will inevitably be eliminated by the market. Honest to customers, enterprise itself must lead by example, establish a good corporate credit risk management mechanism, in the review of the customer at the same time, examining and supervision myself, keep its good credit, improve their credibility and image, and prevent the phenomenon of broken.

Good credit risk management is beneficial to the benign development of enterprises. Credit risk management can effectively avoid the credit risk in business cooperation with customers, and help enterprises save time and labor cost. Maintain good corporate image and goodwill, keep the company in a favorable position in the market, seize the opportunity in the market changes, and continue to develop and grow.

For large enterprises, its own strength and the assets are very abundant, as the leader in the market, more shall start from oneself, not only to keep its good credit, establish good credit consciousness, and also should constantly promote the establishment and perfection of enterprise credit system. In the company set up a specialized credit management and credit risk forecast department, do it before the signing of the contract, the customer credit, the honest code of honor in the process of cooperation with customers, and advanced credit management system will be good sharing with other enterprises. For the government and relevant departments, the government and relevant departments shall guide the small and medium-sized enterprises establish credit management system and the credit risk management system, and holds regular training, strengthen the guidance of the operator, help small and medium-sized enterprises credit risk management, strengthen the cooperation of small and medium-sized enterprises credit evaluation and management of objects, and give full play to the third party supervision and evaluation of the effect, make the market more fair and harmonious environment, promote the development of small and medium-sized enterprises.

In the traditional enterprise organization structure, the finance department is generally the role of credit management and credit risk assessment. But with the development of the market economy, the growing number of enterprises, increase economic dimension, the financial department is very difficult to have two, to credit management and credit risk assessment and avoid often do enough overall, bring a lot of unnecessary trouble and loss. Therefore, it is necessary for enterprises to set up special credit risk management departments to help enterprises conduct credit management. In the process of operation of the entire enterprise, each stage can be credit risk problem, enterprises need professional personnel to a large number of investigation, analysis, management and control, establish efficient credit management and credit risk assessment department. A successful credit risk management departments shall throughout the enterprise management process, do a good job in risk identification, risk assessment, risk decision-making, risk management, implementation of the beforehand control of credit risk and matter control and afterwards control, only in this way can guarantee the enterprise credit management departments fully play its proper role.

Should use bank credit settlement way as far as possible, because this way the main risk bearing is a bank, and the main risks of commercial credit settlement is enterprise, so choose this way can be transferred to the main risk to the bank. However, it is important to note that no matter what method the enterprise chooses, the guarantee and undertaking of risk should be explained in more detail in the conclusion of the contract. Factoring is the integration of the intermediary into the whole process, and the intermediary's understanding of the information of both parties can be avoided due to the risk of information asymmetry. In addition, factoring is a more flexible and safe way of settlement, and it is one of the more common settlement methods to avoid the loss of enterprises due to bankruptcy and default. This can offset some of the risk of short term capital turnover or deficit formation due to external or internal adverse factors of the customer. Enterprises can negotiate with customers to convert some accounts receivable into the equity of the other company, which can largely avoid risks. Fourth, the credit insurance is also an effective means to guard against enterprise credit risk. The principle is to transfer the debtor's guarantee responsibility to the insurer, and when the debtor fails to fulfill his obligation, the insurer shall bear the liability for compensation. Fifth, the credit risk control in the control of the full play of the enterprise information management means to ensure the credit policy implementation in place.

In today's rapid economic development, enterprise in order to adapt to the development of economy in our country, for its own survival and development, management methods and management methods on all had the very big enhancement and improvement, but still exist in credit risk management of this piece of blank. In the increasingly fierce competition, it is also necessary for the government and enterprises to make efforts to maintain the stable development of the economy, realize the credit risk management of enterprises, and create greater wealth for enterprises.

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