The Study On Credit Risk Management Of The Export Bussiness’s International Settlement

In the complex and volatile economic environment at home and abroad，the creditrisk of international settlement is the main risk faced by China’s export enterprises,especially in today’s enormous power of the buyer’s market. So more and morecompanies have chosen the way of settlement based on commercial credit. This willundoubtedly increase the risks faced by the enterprise, resulting in a large number ofstagnant and bad debts. Since the outbreak of the financial crisis in2008, the overseasaccounts receivable figure is huge and amazing, seriously affect the healthydevelopment of the export business as well as the export enterprises operatingprofitability. Combined with the actual situation of China’s foreign trade, Creditinvestigation, establishment of a sound credit risk management system of foreignenterprises, Accurate identification and assessment of risk, effective control and avoid ofcredit risks, not only has a very important theoretical significance, but also has a highpractical value.Discriminating credit status of a foreign enterprise is to analyze its solvency is goodor bad. The Corporate is able to meet its debts as they fall due, it means the creditsituation is good. whereas the corporate credit situation is bad and even the existence offraud will not be able to repay its debts as they fall due, and thus cause some economiclosses on export business. Usually a business credit problem is a step by step process,from normal credit situation gradually to deterioration, and ultimately unable to repay itsdebts as they fall due. A partner’s credit status can be obtained through priorinvestigation, and we can also assess the risks faced by the credit status with somereasonable risk assessment model, then selecting the appropriate settlement methodand risk aversion measures to resolve the credit risk that may arise.First, make a classification and summary about the basic concepts involved incredit risk of export business’s international settlement,such as international settlement,credit risk, credit risk management.In the perspective of Credit risk arising from theexport business of international settlement, making a Summary and comparison of thevarious methods of settlement credit risk, through the recognition of credit risk ofinternational settlement trigger factors, to explore the causes of risk, and to assess therisks, then to detect and control the risk at the same time. At last, put forward a proposalon building a credit risk management measure.