后金融危机时代我国企业信用风险管理研究.docVIP

本科生毕业论文 后金融危机时代我国企业信用风险管理研究 学生姓名 指导教师 级 别 学 院 专 业 班 级 学 号 二0一 年 月 日 后金融危机时代我国企业信用风险管理研究 摘 要 随着由次贷危机演变成为金融危机向全世界蔓延开来，其对世界各国的实体经济造成了非常严重的破坏，使世界经济开始陷入衰退。企业的经营状况直线下降，并且其信用管理状况受到了空前的威胁和挑战，有些企业甚至陷入了连环的信用危机之中。这一系列的变故不仅对于企业的经营造成了灾难性的后果，并且对于人们的信心也产生了负面的影响。 中国由于经济的部分开放政策，在这次危机中并没有向西方国家那样受到如此严重的打击，但是我国的经济状况仍然不容乐观。尤其是在企业的信用风险管理方面，暴露出了不少本来被忽视的问题：例如企业往往过于追求业绩而忽视其本后带来的信用风险、信用管理体系形同虚设、企业缺乏信用管理意等等。在这背后，反应出了金融危机对于我国金融市场的影响，使我国企业业绩下滑，产生不合力的恶性竞争，并且随之产生的道德风险。 鉴于金融危机之后我国企业出现的这些情况，当务之急是提高企业信用风险管理水平。通过加强企业内部风险制度、改善社会信用风险环境以及发挥政府部门对信用风险的重要作用能够明显地扩大信用交易规模、防范信用交易风险、提高核心竞争力，包括客户资信管理制度、客户授信制度和应收账款管理制度等。因此，加强企业信用管理制度建设，就目前的现状来讲，对促进我国企业的健康发展具有重要意义。 关键词：金融危机；信用风险管理；信用体系建设 China Enterprise Credit Risk Management After the Financial Crisis Abstract With the subprime mortgage crisis turned into financial crisis spread to the world, its real economy around the world caused very serious damage to the world economy into recession began. Enterprises operating conditions plummeted and its credit management position by the unprecedented threats and challenges, and some even into the chains credit crisis. This series of changes in his business operations not only for devastating consequences, and for the peoples confidence has also had a negative impact. As part of Chinas economic liberalization policy, in this crisis has not been to the West as such a serious blow, but our economic situation is still not optimistic. Especially in the corporate credit risk management, revealed a number of issues have been neglected: for example, too often the pursuit of corporate performance and neglect to bring their copies of credit risk, credit management system exists in name only, the lack of credit management means more business . In this behind, reflecting the financial crisis for Chinas financial markets, so enterprise performance in China declined, resulting in vicio