Research On Credit Management Of Integrated Trading Of Fresh Agricultural Products

China is a large agricultural country.Agricultural products plays an important role in Chinese economic and social life.However,China is still in the primary stage of socialism.The circulation of agricultural products which is relatively backward,the lack of uniform standards,circulation,and high transportation costs,these problems have become a wall on the road to construct Chinese agricultural products circulation system which blocking the road ahead of us.With the development of Internet technology,agricultural products trade has gradually formed an auction transaction as the core,the retail trade and electronic transaction as an important supplement to promote the development of three kinds of trading dislocation of agricultural comprehensive trading platform.Although this kind of comprehensive trading mode has brought some benefits to the development of fresh agricultural products,it has made new problems.In order to increase the competitiveness of the industry and expand sales,enterprises begin to make credit sales.Because the two sides in identity verification,credit rating have serious information asymmetry,and the phenomenon of lack of credibility generally leads to the increase of transaction risk.So the construction of fresh agricultural products comprehensive trading credit management system for fresh agricultural products enterprises to effectively control the credit risk and enhance the economic benefits of enterprises has an important theoretical and practical significance.The construction of fresh agricultural products trading credit management system should develop from the following aspects:firstly,improve the internal organizational structure,and make the credit management work more clear;secondly,strengthen the enterprise customer information management and maintenance work;thirdly,make credit evaluation system and effective decision;finally,strengthen the management of accounts receivable.In the construction of credit management system,but also need to design a credit management system.The credit management system includes:customer management,credit management,approval management,accounts receivable management,file management and system management of six functional modules.Through the six major functional modules,achieve electronic office of credit management,and provide strong technical support to the credit management system.Credit management system not only plays a great value in fresh agricultural products industry,but also has been fully extended.in other industries such as micro-finance and Internet financial industry.Its establishment which provides a guarantee for the promotion of rapid and healthy development of Chinese economic.