Research On The Construction Of A Enterprise Credit Management System

Based on the current rapid development of accounts receivable financing business and the lack of awareness of credit management,the construction of credit management system is seriously lagging behind,and the credit management ability is insufficient,this paper aims to construct an institutional framework and process that can effectively improve the credit management ability of SMEs.Thereby,reducing credit risk,improving the overall quality of enterprise accounts receivable,meeting the requirements of accounts receivable financing,and further expanding the financing channels of enterprises through the accounts receivable financing business,to some extent,solving the financing difficulties and problems of SMEs,Promoting the healthy development of them.This research is carried out in the form of case analysis.Through the on-the-spot visit and in-depth investigation of A,based on the comprehensive collection and collation of relevant information,and the credit management level evaluation system,the status quo of enterprise credit management level is deeply analyzed.The system consists of two first-level indicators and 11 second-level indicators and corresponding assessment content.From the perspectives of credit management system,process and implementation,the level of credit management has been comprehensively considered.According to the problems existing in the process of credit management,the credit management system was constructed.Covering credit management organizational structure design,customer credit and credit file management,contract management,accounts receivable management,internal and external evaluation and continuous improvement,and credit management information system.On the basis of its existing management,the work related to credit management was optimized and improved.Finally,the construction effect was evaluated and improved.Through this research,it is expected to provide a certain reference for the future construction of SMEs credit management system,promote them to gradually improve the relevant systems,greatly improve the overall quality of accounts receivable,and lay the foundation for accounts receivable financing.In the end,it will serve the SMEs accounts receivable financing business and comprehensively improve the credit management level of SMEs.