The Construction And Research On The Management Model Of Credit Policies

China has carried out the"open-door"policy and has developed market economy almost 30 years, and the idea of market has rooted in people's heart gradually. But the result of the lack of credit, which is one fundermental character of market has showed its disadvantages day by day. Many enterprises have deeply trapped in debts which slow down the speed of enterprises development because of the lack of credit and lack of knowledge about credit management. This paper hold the view that the key of the construction of socialism credit system is decided by the micro-rank. So it is meaningful to encourage enterprises to act credibly and achieve "win- win".The model of credit policies management starts with the price elasticity of demand and bases on the hypothesis of the profit maximum. The model can reduce credit fee , improve efficience of credit policies and make out the best credit policy for specific enviroment by analysising the expense of uncollectible accounts, discount, credit period and colletion expense and allocating the credit fee. In addition, both the selection of credit-received objects and the violation cost which is produced by extral environment are the efficient ways to enhance the benefits of credit policies.