【作者】 王立群；

【导师】 祝爱民；

【作者基本信息】 沈阳工业大学 ， 工业工程， 2006， 硕士

【摘要】 市场经济是信用经济，信用是市场经济的基础和灵魂。企业信用管理是现代企业管理的核心内容之一，是企业在市场经济环境下得以生存与发展的必备条件之一。国外信用管理已经得到了极大的发展，信用经济较为成熟。而我国经济经过了改革开放以来20余年的发展，正处在经济体制转型时期，由于信用制度的不健全，经济生活中出现了很多不诚信行为，脆弱的信用制度阻碍了中国经济健康稳定的发展，较低的企业信用管理水平削弱了企业的市场竞争力。因此不断推进市场经济的同时，如何加强企业信用管理已成为我国经济发展过程中所面临的一大难题。本文主要从以下五个方面对企业信用管理体系进行研究：第一，详细地介绍了信用、信用管理、信用风险等概念和相关内容，使读者对企业信用管理能有一个比较全面的了解；第二，在详尽地阐述了我国企业信用及信用管理现状的基础上，对产生这种现状进行了深刻地剖析，定性分析了企业外部信用环境恶劣和企业内部信用管理落后；第三，提出了构建企业信用的内部管理体系，通过定量分析与定性分析相结合的研究方法，提出了以专业的信用管理部门为实施机构的企业信用管理框架，通过制定合理有效的信用管理政策并采用科学、先进的方法与技术，来保证企业信用管理中各环节的顺利实施；第四，提出了构建企业信用的外部管理体系，着重指出政府对企业信用行业进行管理的重要性，通过把各种与企业信用相关的社会力量有机地组合起来，共同促进企业信用管理的完善和发展，为企业创造一个良好的外部信用环境；第五，采用实例研究的方式，以某汽车制造企业为例，通过定量分析检验了文章的研究成果。本文通过对我国企业信用及企业信用管理现状进行考察，比较分析了企业信用管理范式，进而提出了以“市场为基础，政府为主导，企业为关键”的企业信用管理体系，旨在促进企业信用制度建设，推进我国市场经济向纵深发展。本文正是就企业信用管理展开相关研究和探讨，以期找出进一步丰富和完善企业信用管理的途径，缩短企业信用管理快速发展的进程，为提高国内企业的信用管理水平、提高企业市场竞争力提供有益的参考。更多还原

【Abstract】 The market economy is the credit economy, and credit is the foundation and soul of market economy. Enterprise credit management is one of the core contents in modern business management and also is one of the necessary conditions for enterprise to survive and develop under the market economy environment. Credit management in overseas already has a large development and the credit economy has been mature. Our country economy, which has been going through the policy of reform and opening up for more than twenty years, has located in the epoch of economy system transform. For the unperfected credit system, there are many unfaith behaviors appearing in our economic life. The frail credit system has hindered the health stable development of China’s economy, and the lower level of enterprise credit management weakens the enterprise’s market competitiveness. Therefore while the market economy has increasingly developed, how to strengthen the enterprise credit management has become a big difficult problem.This paper mainly has researched the following five aspects of the enterprise credit management system. Firstly, the paper has introduced concepts of credit, credit management, credit risk and the relevant contents in detail. Secondly, on the foundation of the status of enterprise credit and the credit management in our country, it has analyzed of this kind of present situation and has qualitatively analyzed enterprise external credit environment and the backwardness of internal credit management. Thirdly, through the quantitative and qualitative analysis method, it has proposed that the professional credit management department should be the implementation organization in enterprise credit management frame, and makes the reasonable effective credit management policy and uses advanced method and technology to guarantee the implementation of credit management smoothly. Fourthly, it has put forward the importance of constructing the outside enterprise credit management system, especially the government playing important role in the course of the management of enterprise credit. It can combine all kinds of special elements related to enterprise credit and creates a good external environment for enterprise. Fifthly, case investigation is adopted, and a certain car enterprise is illustrated. The research result of this article is verified by quantitative analysis.Through exploring the present situation of our country enterprise credit and enterprise credit management, the paper comparatively analyzes the model of enterprise credit management, then proposes enterprise credit management system with "market is the foundation, government is the leadership, enterprise is the key", which the purpose of promoting to construct the enterprise credit system and advancing the development of our market economy. This paper carries out the correlation research and the discussion on the enterprise credit management to discover a way of perfecting enterprise credit management, to shorten the development process of enterprise credit management, to provide the beneficial references for improving the level of enterprise credit management and market competition of enterprise.更多还原