Enterprise Credit File And The Enterprise Credit Risk

At present, with the progress of marketization in our country, credit problem gradually become a social problem to be solved, Credit loss has become a great public hazard of the healthy development of socialist market economy。The eighteenth big report in good faith construction put forward specific requirements, points out that "to strengthen the government credibility, business integrity, social credibility and judicial construction." For businesses, properly deal with credit risk, and build brand integrity is the key of the enterprise strategy development, as an enterprise credit files work is a kind of information resources with special value, in the highly developed information technology enterprise competition, play an irreplaceable role. Credit archives work is good or bad, directly related to enterprise’s own interests and the construction of social credit environment, therefore, how to establish and make use of the credit archives for the enterprise and the public service, reduce the credit risk of the hazard, is this article mainly discussed.In addition to the conclusion, this article mainly divides into four parts. The first part is the introduction, mainly introduces the paper’s research background and research significance, research status at home and abroad, research contents and research methods, etc.The second part mainly introduces the related concepts of enterprise credit files with credit risk, including the background put forward by the credit files, credit files of the definition, classification and contents. The fundamental cause of the connotation of credit risk and, how to manage the credit risk, and credit risk from the enterprise, the necessity of building enterprise credit files.The third and the fourth part is the focus of this article, mainly points out the problems existing in the enterprise credit files as well as for the credit of enterprise credit risk management, as a result of poor management weakness and invalid, and finally gives a solving countermeasures. The third part firstly discussed the problems existing in the enterprise credit file construction, including laws and regulations is not sound, the credit files system is not perfect, enterprise credit archives in the management of several issues, etc. Then analysis for enterprise credit archives management is imperfect, causes the enterprise all kinds of credit risk and its status quo.In the fourth section of the paper, in view of the enterprise all kinds of different credit risk, proposed the corresponding solution measures. First, strengthen the enterprise internal control, building enterprise credit files of macro management mode, mainly include setting up credit archives management system, to avoid the enterprise credit risk platform; From the basic link of enterprise credit archives management, fundamentally control the credit risk, the main part by the archive link and link utilization; Optimization of enterprise credit files, strengthen internal control, to establish a sound credit file management system, standardize credit archives management mode, effectively prevent credit risks; Strengthen the regulation of credit files later, perfecting risk remedial measures. On the outside of the enterprise, to improve the soft environment file information society, first of all should take advantage of archives management, build a just and reasonable social good faith platform, the second is the government-led, establish system of credit system, credit restraint mechanism to make enterprises set up good faith consciousness. The third is to perfect credit evaluation system, and shall establish the government oriented, combined with market demand of credit evaluation management model, by the state credit management institution, credit evaluation organizations collect, sort out material to be evaluated enterprise credit evaluation, finally regularly released by the national credit management organization promise of enterprise credit conditions, forming good social credit environment.