The Research Of AL Chemical Enterprise Credit Risk Management Optimization

With the rapid development of the current social economy,credit sales have become a necessary means for various enterprises to increase market share and increase sales revenue.Credit sales have also brought certain credit risks while helping enterprises to expand sales.At present,China's corporate credit risk management system is not perfect,and corporate credit risk management is relatively lacking,resulting in the arrears of credit sales and a large number of bad debts,which threatens the enterprise.Survival and development,therefore,only strengthen the company's credit risk management awareness,establish and improve the credit risk management mechanism,in order to reduce the threat of credit risk to enterprises.Since the chemical industry is at the top of the industrial chain,its credit risk is more complicated than other industries,and the factors that constitute risk are relatively more.The accuracy and prudence of credit risk management are higher.AL chemical companies are in the highly competitive chemical industry.In order to gain a certain market share,they adopt a relatively loose credit policy and also face large credit risks.Therefore,optimize the current credit risk management plan of the enterprise and solve the credit of the enterprise.The contradiction between sales and credit risk control is of great significance for enterprises to achieve better development.The research framework is as follows: Firstly,it analyzes the research background,research purpose and significance of credit risk management,reviews and comments on the relevant research results of domestic and foreign scholars,determines the content framework and ideas of this research;secondly,based on credit risk management Theory,AL chemical enterprises as a case enterprise,analyze the status of credit risk and credit risk management,and then discover the division of labor,credit investigation,customer credit evaluation,credit decision,dynamic management,accounts receivable of AL chemical enterprises in credit risk management personnel There are still some problems in the recovery of funds,etc.Finally,combined with the problems existing in the current credit risk management of the case enterprises,a feasible optimization plan is proposed and the effect prediction is carried out,and then the implementation of safeguard measures is proposed.Based on the analysis of theory and case,this study draws the following conclusions:(1)AL chemical enterprises face certain credit risks,and there are problems such as insufficient credit risk management department to set up specialization and insufficient customer credit evaluation,and need to be optimized;(2)For AL Chemical The problems existing in the current credit risk management of enterprises,through the optimization of credit risk management department functions,credit investigation,customer credit evaluation,credit decision-making,dynamic management,account recovery and other links,propose a credit risk management optimization program;(3)AL chemical companies can improve employees Credit risk awareness,strengthening employee training,strengthening communication with customers,and strengthening cooperation in various aspects to ensure the healthy and stable development of the company in the future,helping AL chemical companies optimize credit risk management,and also credit risk for other chemical companies in the same industry.Management and even future sustainable development provide some reference.