Based On A Combination Of The Credit Cost Of Credit Strategy Research

Facing the drastic competition, we have paid more and more attention to the credit issues in our country. As a marketing method, account sale by credit has been adopted widely among the enterprises. Though it brings a lot profit to the enterprises, some problems on default also appear. Thus business department in our country has made discussion on this issue and conclude some methods to control credit risk.Credit risk management is subject concerning a large amount of fields, and with limitation of my capability and the length of this paper, I specialize in the control before enterprises'account sale which includes information investigations of the customers and their classification and how to ascertain the amount of account sale. While in this paper, I lay much emphasis on how to ascertain the amount. Through analysis of credit cost curve model, we can get the best account sale account of an enterprise, and according to combination optimization method we can learn the weight of account sale. Thus it can provide us the method to calculate the account sale limit of every customer on condition that the risk the enterprise faces is the lowest.This paper includes the following five chapters:The first chapter is an introduction which gives the background and framework of the paper.In the second chapter, some related concepts of credit risk and research status are introduced, and meanwhile the recent credit risk analysis model is also introduced.Thirdly, I conclude the methods and contents of customers'information Investigation and the classification among the customers are finished based on this.The fourth chapter mainly deals with the calculation analysis of the credit cost. In this chapter, I compare various methods on calculating the opportunity cost and put forward the method to calculate the shortage cost.The fifth chapter deals with a credit cost analysis model based on the optimal amount of receivable account. With this model, the enterprise can determine the optimal amount of account sale in a certain period.In the final chapter, with the use of combination optimization method, the...