Management Of Credit Risk For High-tech Enterprises

Science and technology are primary productive force. High-tech enterprises and their development of the industry is the world's economic and technological competition, in the strategic high ground, is the fundamental driving force of economic growth. Credit market economy has become the mainstay of economic development, high-tech enterprises are facing more credit than the general business risks, such as high-tech enterprises need a lot of money, and can not repayment of capital to mean lack of credit, a direct result of credit risk. Therefore, how to strengthen the high-tech enterprise credit risk management has the important practical significance. This paper has carried on the following research on the credit risk management of high-tech enterprises:First, beginning from the analysis of the characteristics of high-tech enterprises, excavate high-tech enterprises within the most remarkable characteristics, and combining with the practical situation, on the basis of literature review and tentatively put forward the high-tech enterprise credit risk management problems.Second, on the basis of the problems, from the systematic and non-systematic angles of high-tech enterprise credit risk management problems are analyzed, the root for high-tech enterprise credit risk management strategy provides direction and laid a foundation.Third, two aspects constructed the high-tech enterprise credit risk management framework. Hard constraint mainly includes constructing reasonable credit risk management system, establish high-tech enterprise property right system and use legal norm control information asymmetry, Soft constraint mainly from the cultivation of honesty is the enterprise credit culture angle.Fourth, based on the characteristics of high-tech enterprises, from the profitability, solvency, performance management ability, ability, innovation ability and the overall quality of the seven aspects for constructing high-tech enterprise credit risk assessment indexes, a theoretical model of hebei high-tech enterprise credit risk assessment, and that the enterprise's credit risk.Finally, this paper is concluded with its innovation and creativeness and itsinadequacy as well as the issues to be studied later on.