Prevention and management of corporate credit risk.doc

 PAGE \* MERGEFORMAT 9 Prevention and management of corporate credit risk [Keywords] enterprise management, credit, credit risk, risk prevention and countermeasures With the accelerated pace of enterprise development, credit risk changes ensued. Difficult to avoid the risk of bad debts due to the order of the market economy is not perfect, the general lack of social integrity, marketing is carried out in the country, many businesses, especially small and medium-sized enterprises faced with the dilemma of choice, do not use credit difficult to develop the sales situation on credit . Credit credit sales, also known as a “give goods, after receivables sales, which allows customers to pay the purchase price within a certain period after the got the goods. Increase sales, expand market share and reduce credit inventory, reduce inventory risk, but it is undeniable credit there are also a lot of drawbacks. credit risk can bring directly triggered the financial crisis and reduce the efficiency of enterprises, so that the deterioration of the business relationship with the bank, but also to bring to the enterprise the risk of litigation., also popular in the domestic market on credit environment, enterprises must credit risk prevention and management measures. The main causes of the credit risk First, the relatively weak enterprise risk awareness. Enterprise managers and staff was not strong enough sense of responsibility, lack of understanding of the necessity of the management of credit risk prevention, not enough emphasis on, and will inevitably lead to relatively weak enterprise risk prevention management awareness due to some business owners, managers do not attach importance to the management of corporate credit, often customers not investigate and understand the rush of business dealings, there is bound to huge operational risks, some companies, one-sided pursuit of the number of product sales, but then insufficient attention to potential risks of