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1、Enterprise Credit Management Strategy Study Summary: Todays increasingly competitive business, credit also increasingly become a companys core resources, and a determinant of business survival and development. In this paper, to enhance corporate credit management of the necessity and urgency, and pr
2、opose to build corporate credit culture, establish and improve enterprise credit management system, the implementation of green business strategy, emphasis on the crisis public relations, increase trade mark protection, and strengthen financial risk management and use Credit chain to create value ch
3、ains top ten business credit management strategy. Keywords: Enterprise Credit Management Strategy Company has experienced price competition, quality competition and services competition, the competition has entered the stage of the prestige. Credit is the companys most important intangible asset, is
4、 a productivity, is the best means of competition. An efficient market, the credit must be a good market. If the enterprise ignore credit, bad faith, the ultimate victims or on their own. The reality for most enterprise managers realize that credit is the integration into the international market ac
5、cess card, but they are recognized under the conditions of market economy, the importance of enterprise credit, enterprises in business activities should pay attention to credit management. Ericsson to career, Throughout the ages, look at commercial sea, success or failure of a very important reason
6、, ie, whether to abide by the credit. Therefore, our company has only to establish good faith awareness, strengthen credit management, create a good image of honesty and trustworthiness in order to gain credibility in the international arena and improve international competitiveness. Construction of
7、 the corporate culture of integrity If a man does not stand, business did not last long without a letter of credit is the enterprise survival and development in basic conditions. Enterprises are to compete in an invincible position, it must increase credit awareness, get rid of only the emphasis on
8、economic benefits and underestimate the credibility of the idea of the credit and development, credit and benefit together. Company wants to look at the credit as a resource to foster the credit culture, to give credit to penetrate the enterprise systems of each organization, every activity and ever
9、y employees behavior. Integrity of the enterprise culture and enterprise production and management of every aspect of integration together in good faith to guide the management of enterprises and development embodied in the management and development of the rich connotations of good faith. Employees
10、 to strengthen credit management in organizational change in the future is particularly important. On the one hand, employees are the spokesmen for corporate image, employees stood at the forefront of market, to some extent, the staff represents the image of the corporate image; the other hand, a di
11、rect impact on their staff or not, the enterprises economic interests. If the employee there is sabotage and vandalism, theft, leakage, kickbacks and other acts, to the enterprise is bound to cause significant economic losses. In the United States, white-collar theft each year is equivalent to an an
12、nual loss caused by the act of street theft, loss of 10 times. Therefore, enterprises in human resource management, recruitment, selection, promotion, etc. functions, human honesty, reliability, responsibility, and other credit characteristics of the need for inspection, measurement and training. At
13、 the same time have to rely on a variety of forces, to enhance staff training to enhance staffs credit standards. Improve enterprise credit management system Enterprise credit management mechanism towards the establishment of enterprise credit management sign. Enterprises to establish a credit manag
14、ement mechanism from the following aspects: through the transformation of enterprises into stock companies to increase efforts to improve the corporate property system; through the establishment of a dedicated credit management departments to continually enhance the level of credit management; throu
15、gh the establishment of a sound credit management system of personal responsibility all-round way the responsibility of the enterprise credit decomposition of fiduciary responsibilities at every level, so that interlocking ring ring phase sets of clear division of labor, responsibility, ensure the f
16、ormation of the credit chain of responsibility. At the same time should pay attention to the cultivation of credit management staff. Enterprise Credit Management is a very specialized technology, credit management personnel, in particular the requirements of the credit manager is very high. Credit m
17、anagement personnel to master credit management, information, finance, administration, law, statistics, marketing, public relations and other aspects of the comprehensive knowledge, practical ability and work experience must also be good. There is a western saying: credit personnel work responsibili
18、ties within the enterprise is greater than the right to work a small number of personnel. Construction of Crisis Management System As the old saying goes: The wise 1000 taking into account, there must be a loss, which pairs the modern enterprise is no exception. Enterprises in the development proces
19、s experienced occasional failures or crises are a normal phenomenon, the key is how to restore the credibility of the crisis caused by the loss to the enterprise. It depends on the attitude of enterprises are facing a crisis and response: If the business be able to put the credibility of the first o
20、ne at the expense of the temporary economic benefits in exchange for their long-term credibility and look for a solution quickly, in the first time, disposal, so out the reaction, control development, we can overcome these to regain the public trust. NARL, according to a survey conducted by the Mini
21、stry of Commerce trade, Chinese enterprises are now lacking and most in need of development is the enterprise internal risk management system. According to the survey, foreign trade and foreign-funded enterprises in China, only 11.2% of the company built a fairly complete internal risk management me
22、chanisms, nearly 90% of companies do not have this system. Have established the mechanism of the 11.2% of the enterprises, 93% of the large multinational companies and large state enterprises, SMEs negligible. Indisputable facts tell us that a crisis is inevitable, and absolutely no crisis, business
23、 is non-existent, but the crisis is the need to manage, the company has only establish a sound risk management system in order to maintaining the status quo will be business losses down to a minimum. The implementation of green business strategy Enhance social responsibility, concern for social ente
24、rprise for sustainable development is a core strategy to win credibility. Today, environmental protection, sustainable development became the focus of the international community, the issue of common concern. International organizations, governments take positive action, have to develop a more strin
25、gent environmental laws. States are also actively invest in public environmental protection, buying green products, use of green products become fashionable. Many countries in Europe and the United States specializing in green products store sales growth has exceeded the traditional shops. In the ne
26、w century, businesses want to win the future market and win customers trust and support of the Government on the need to implement green business strategy. Such as the United States Procter & Gamble, Nike and many other forward-looking companies have implemented a green business strategy. Reposted e
27、lsewhere in the paper for free download http:/ To provide excellent products and value for money services Excellent value products and services are the cornerstone of building a good reputation in business is to establish corporate credibility hardware. Evaluation of enterprise customers are often u
28、sing the companys products and receiving of business services in the course of. Enterprises in order to retain customers, and customers to establish long-term and stable relationship, we must first provide customers with satisfactory products and services, which enhance customer satisfaction and loy
29、alty is essential. Good product and service will win customers a good reputation and thus bring more sales and more sales equals more satisfied customers, equivalent to more good word of mouth. More good word of mouth brings more sales . . in this cycle will produce a snowball phenomenon. Conversely
30、, if there are defects in products and services, will form a vicious circle. Strengthen the management of customer credit rating Customer is the largest source of wealth business, but also the largest sources of risk. According to the business sector to incomplete statistics, Chinas annual contract
31、of about 40 million copies of the contract the subject of 140 trillion yuan, the contract is only an average compliance rate of about 50%. Strengthen the management of customer credit management, particularly in the trade credit to customers prior to collection of survey and risk assessment will bec
32、ome an important content of corporate credit management. At the same time in the process of negotiation and approached on a regular basis to investigate and assess the customers credit status, determine customer credit rating, according to credit rating to develop and implement appropriate corporate
33、 credit policy is also an important part of credit management. Customer credit management is a complex systematic project, should make use of modern information technology management, and make full use of intranets, the Internet and other information technology tools to build, including customer rel
34、ationship management system, vendor collaboration systems and enterprise networks credit system and credit database system, for better for customer credit management is more more important. Effective management of trademark Trademark as intangible assets of enterprises are enterprises to participate
35、 in domestic and foreign market competition, an important commercial warfare weapon, but also a symbol of corporate image and reputation. Therefore, enterprises must enhance the awareness of trademark protection, strengthen efforts to trademark protection, while enterprises should strengthen the bra
36、nd identity management, and to prevent trademark infringement occurred. The ranks of the establishment of rights protection, strengthen market supervision, pay attention to play the role of marketing network and consumers will become an important means for companies to protect trademarks. Strengthen
37、ing financial risk management Strengthen enterprise financial risk management, we must first step on the financial statements of the audit work and did not make false accounts, not false and concealed the credit to do business; Second, improve the sales of risk-control systems. Clearly defined autho
38、rity sales staff and in accordance with the provisions of creditworthiness of customers of different credit limits and deadlines. Again, the establishment of accounts receivable monitoring system, payment for professional management of recovery and shorten the reimbursement period, reduce amount of
39、bad debts ratio. Credit is not a means but not all. Credit management is in fact the credit chain management, when companies operate there appears to be a lack of credit, then the business will break the credit chain, value chain, thus resulting fall apart. Therefore, in order to build the value cha
40、in to create the first credit chain. Only a credit-based value chain, enterprises can realize the supply of good faith, integrity production, credit marketing, credit services, in order to create maximum value for the enterprise. Accession to the WTO and economic globalization, to the development of
41、 Chinese enterprises has brought unprecedented opportunities. Enterprises to dramatically improve enterprise credit management efficiency and effectively within the enterprise to establish a credit management system, improve the credit management policies to improve the credit management. Can be str
42、ong competitors, such as in the forest a foothold in the international market challenges. References: 1. DONG Jiang. On the economic value of enterprise credit and composition. Contemporary economic research, in 2003 (7) 2. Fei Xu, Li Yang. Corporate credit lies in the development of an effective system for sound. Social scientists, in 2003 (7) Reposted elsewhere in the paper for free download http:/
