Research On Enterprise Credit Management On Network

With the drastic transformation of enterprise environment and aggravation of market competition, enterprise in face of many instable factors which bring on more frequent and product enterprise credit risk. In particular, with the development of modern information technology as Internet/Extranet/Intranet, enterprise credit is papering more involved two-side peculiarity: risk and chance. How to strengthen enterprise credit risk management on the net is a problem that is worth taking into account and carrying out.Credit risk management is a whole course including supervise, identification, analysis, decision. Credit collect, credit risk evaluation, credit decision are three elements of credit management. Also, they are three basis of credit risk management. Of them, credit risk evaluation is the most important. By establishing credit management information system, enterprise can supervise and analysis credit risk, and this is necessary for modern companies to preserve themselves.Enterprise credit risk are mainly come from three aspects: operation, management, finance. Because risk uncertainty and forecasted very difficultly, credit risk evaluation is very important. Basis on enterprise credit risk management condition of our'country, analysis the reasons, discuss how to make use of the enterprise information system to manage credit risk, design credit risk management information system ,use it as a part of management information system. In the current, suggest that establishes the organization of credit risk management as the guarantee. In sub- system of credit risk evaluation, studied the evaluation index, established the index of credit risk evaluation.What should to be point out is that credit risk management information system in this article is not a complete software-system, but a floorboard of a series of method and theory. By using the technical route as basic theory -the whole system designing- detailed designing-studying the organizational basis and method that the system' realization, this article gives the detailed method and procedure of credit risk management. The system and the indexes of enterprise management credit risk evaluation is available for common enterprise, the outcome of this article has realistic meaning for modern company to establish credit risk management mechanism.