完善信用风险管理机制之我见

在当今激烈竞争的国际市场中信用,交易已成为企业获取市场竞争力的必要手段和经营方式。而中国外贸企业对交易对象缺少足够的信息和资信调查;对交易额度缺少规范化、科学化的审批管理;对形成的应收账款缺少有效的监控。因此,外贸企业必须建立健全专门的信用风险管理体系,专业化地承担客户风险控制和应收账款管理的责任。

On Establishing Credit Risk Management Mechanism

The credit transaction has now become the essential method and the management way the enterprise have to use in the steep competition in the international market to be more competitive.But at present in our country,foreign trade enterprise in the credit administration is also nearly in a piece of blank.Most of the enterprise is lacks of enough information and the capital letter investigation to the transaction objective;lacks of standard and scientific examination and approval management to transaction and lacks of effective monitoring of receivable account.Therefore,the foreign trade enterprise must establish the perfect credit risk management function and undertakes the customer risk control and the account receivable management responsibility.