浅析我国IT行业信用管理状况.docxVIP

信用管理师综合评审 --论文（设计）浅析我国IT行业信用管理状况学生名字： 万敏江准考证号： 资格名称： 信用管理师级 别： 职业资格一级报 考 点： 广州提交日期： 论文基本要求 1．论文的撰写应结合信用管理相关专业学习，选取具有创新价值和实践意义的论题。 2．论文篇幅 1级一般为 3000字以上，最多不超过 5000字。 3．论文应观点明确，中心突出，论据充分，数据可靠，层次分明，逻辑清楚，文字流畅，结构严谨。 4．论文字体规范按《广东省信用管理师职业资格综合评审论文写作规范》和“论文样板”执行。 5．论文应书写工整，标点正确，用微机打印后，装订成册。论文（设计）诚信声明本人郑重声明：所呈交的论文（设计），是本人独立进行研究工作所取得的成果，成果不存在知识产权争议，除文中已经注明引用的内容外，本论文不含任何其他个人或集体已经发表或撰写过的作品成果。对本文的研究做出重要贡献的个人和集体均已在文中以明确方式标明。本人完全意识到本声明的法律结果由本人承担。考生签名： 时间： 年 月 日摘 要企业信用管理是当代企业管理的一项重要工作，加强信用管理是我国企业走出亏损与拖欠困境的出路之一。在当前的市场环境中，我国企业急需填补信用管理上的弊端，完善科学的内部信用风险管理制度，这对规范企业行为，建立和维护自由稳定的市场经济秩序具有深远的意义。本文将通过对我国IT业企业的分析，根据信用管理理论 ，对企业改善当前的信用状况提出合理的建议。关键词：IT行业；信用管理；信用状况 目 录摘 要·································································III一、信用管理概述·······················································1二、对我国IT业的行业状况行进宏观经济方面的分析····················2三、我国信用管理中存在的问题·········································2（一）我国企业不重视信用管理········································3（二）大部分企业并未建立独立的信用管理部门························3（三）企业内部缺乏科学的信用风险制约机制··························3（四）企业信用管理人员的素质有待提高·······························3（五）缺乏客户资信信息资源···········································3（六）我国的信用咨询业有待发展······································3（七）我国企业信用法律制度存在缺陷·································4四、我国IT业信用管理环境与现状分析··································4（一）我国IT企业信用总规模大、负债率高·····························4（二）我国IT企业信用规模存量质量差·································4（三）我国IT企业信用结构不合理·····································5五、我国IT企业信用风险产生的原因·····································5（一）政治风险·························································5（二）信息风险·························································5（三）商业风险·························································5（四）管理风险·························································6六、合理建议和展望·····················································6（一）建立信用管理部门并管理客户信用档案··························7（二）拟定信用总则····················································7（三）客户授信·····················································