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最近几年来,笔者在帮助我国一些大中型企业建立内部信用风险管理制度的设计工作中,较为具体地调查、研究了这些企业的基础管理现状和存在的问题,提出并逐步完善了一套实用的管理方法——全程信用管理模式。这套管理模式在国家经贸委和中国工业经济联合会的推动下,目前正在全国范围内推广应用。一、市场环境及问题 90年代以来,我国各个行业已广泛应用赊销方式,在绝大多数市场竞争激烈的行业,如医药保健品、纺织、机械等,以赊销方式完成的交易额占到60％～90％。然而遗憾的是由于我国市场经济秩序的
In recent years, the author in some large and medium-sized enterprises in our country to establish an internal credit risk management system design work, a more specific investigation and study of the status quo of these enterprises and the existing management problems and problems, put forward and gradually improve a set of practical Management approach - full credit management. This management mode is promoted by the State Economic and Trade Commission and China Federation of Industrial Economics and is currently being promoted and applied nationwide. I. Market Environment and Problems Since the 1990s, credit sales have been widely used in various industries in our country. In the highly competitive industries in most markets, such as pharmaceuticals, health care products, textiles and machinery, the amount of transactions done through credit sales accounts for 60% ~ 90%. Unfortunately, however, due to the order of our market economy