我国民营企业信用风险管理机制研究.pdfVIP

要 民营企业是我国经济发展的重要力量，在信用经济不断发展，交易方式越来 越由现金交易向信用交易过渡的变迁中，民营企业面临的极大挑战之一，是如何 加强信用风险管理。信用风险管理的好与坏，直接影响到民营企业的生存和发展。 本文以风险管理理论为基础，在分析和探索国内外企业风险管理实践的基础 上，较为深刻地揭示了我国民营企业信用风险管理中存在的问 及其原因，在此 基础上，提出了构建了我国民营企业信用风险管理体系的设想。 民营企业建立能够防范和降低信用风险的管理体系，一要加强基础建设；二 要讲究账款催收艺术；三要建立应收账款评价体系；四要加强财务监督；五要完 善收账制度体系；六要落实相关人员工作职责；七要正确评价工作绩效；八要重 视企业诚信文化建设。在工作的各个环节中，不能平均用力；在不同的时段上， 要采取不同的工作方法；各 方法要配合得当，争取综合效果。 规避和防范信用风险，需要有良好的社会环境。要通过加强法制、政府率先 垂范、建立信用披露和评估制度、强化舆论监督、营造诚实守信氛围等方法，清 除不良信用产生的社会土壤，实现社会经济的良性循环。 关键词：民营企业 信用风险 管理机制 1 Abstract In China, Private enterprise is a major force in economic development. With the continuous development of credit economy, the form of transction has been transforming from cash to credit. one of the great challenges, which Private enterprises are facing, is how to strengthen credit risk management. Credit risk management makes directly impact on private enterprises survive and develop. Based on the theory of risk management, the author analysizes and explores Enterprise risk management practices at home and abroad, and More profoundly reveals the the problem and status of China Private Enterprises Credit Risk Management. And the next, the auther envisages construction of Chinas private enterprises credit risk management system. Private enterprises can be established to prevent and reduce the credit risk management system: firstly strengthening infrastructure; secondly delinquent accounts to pay attention to the arts; Thirdly, we should establish evaluation system of receivable accounts; Fourthly, we should strengthen financial supervision; Fifthly, we must improve the system of collection; Sixthly to implement work-related responsibilities; sevenly to correctly ev