Research On The Construction Of Credit Management System Of State-owned Enterprises

With the development of economic credit, the business credit management becomes more important than before , because of that ,more and more enterprises use credit management as an important part of corporate governance, especially in Western countries enterprises, credit management system has been more mature. Relatively speaking, the enterprise credit management in our country is still in the exploratory stage, especially in the state-owned enterprises,the problem of credit management is more serious. In the context of current financial crisis , state-owned enterprises play an important role as the eldest son of Chinese enterprises, it's a challenge for them to guarantee to not lay off employees and keep growth and so on.In order to complete the important mission, they should raise the level of management, especially the credit management. So the article wants to develop a set of the credit management system for state-owned enterprises according to their credit management problems.First of all,the article reviewed the business credit management theory, including the basic connotation of credit,the originand development of credit, the constituent elements of credit, the study of credit and so on ; Secondly, the article analysed on the current status of the credit management about state-owned enterprises in three aspects,such as the moral level, the economic level, the rule of law dimension , while the article also analyzed the reasons for this situation; Finally, the article built the credit management system according to the issues of credit management about state-owned enterprises, this system included three aspects,such as the moral dimension of credit management, economic aspects of credit management, legal aspects of credit management and performance evaluation at all levels of credit management . Economic aspects of credit management in which the entire credit management system is the core, including two aspects,fiduciary and credit. Performance evaluation of the system is the innovation of the system, it's the identification and reflection about the effects of credit management , and it also can provide a basis to improve the work for enterprise credit management in the future days.The article mainly used normative analysis, the purpose of writing is to formulate a set of business credit management system for state-owned enterprises by combining the deficiencies of credit management in state-owned enterprises and the successful credit management experience at home and abroad.