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论文编号：	1118
作者编号：	2220070550
上传时间：	2009/6/8 22:59:44
中文题目：	金融危机对我国企业信用风险管理
英文题目：	Research of The Influences on
指导老师：	程新生
中文关键字：	企业信用风险管理;金融危机;体系
英文关键字：	Enterprise credit risk managem
中文摘要：	摘 要 本文的主要内容是首先阐述了企业信用风险管理理论，并就我国企业信用风险管理的现状进行了深入分析，介绍了国外现行的信用管理体系，在与国外信用管理体系进行比较中揭示出我国信用管理体系在法律法规的确立和建立、高效的征信数据及评估系统、政府和行业协会的监督和管理、信用管理教育和研究、信用管理人才培养及信用管理行业发展等方面的欠缺。本文以我国大型新能源制造企业LS股份公司信用风险管理体系为研究标本，旨在探讨LS股份公司在采用国内外先进的企业信用风险管理模式的基础上，结合所在行业特点和公司发展战略，在运营过程中逐步建立了符合自身发展管理需要的信用风险管理体系，特别是在应对金融危机时采取了及时果断的措施，极大了规避了信用风险的发生。 本文的主要目的有三个方面：一是从我国企业信用风险管理的实际要求出发，国家应在哪些方面加大工作力度，更好的保障我国企业在良好的信用环境下生存和发展；二是在目前我国信用风险管理现状下，我国企业加强信用风险管理的必要性和紧迫性。三是金融危机的发生对我国企业加快信用风险管理体系建设起到了促进作用，本文的实例也给将要建立企业信用风险管理体系的企业有很好的启发效果。 本文在学习和借鉴前人相关研究成果的基础上，融入了自己在日常工作和研究中对企业信用风险管理理论及企业信用风险管理体系的构建、实施等方面的认识和理解，并提出了作者自己的建议。本文的主要贡献包括：（1）本文运用规范研究与案例分析相结合、理论与实务相结合的研究方式，较为全面系统的梳理了我国企业急需尽快建立企业信用风险管理体系的重要性；（2）以我国大型新能源制造企业LS股份公司为分析对象，结合笔者实际工作经验，展示了建立信用风险管理体系后，LS股份公司在日常信用风险管理中的实际作用和应对金融危机所采取的积极措施给企业带来的效果，对我国尚未建立企业信用风险管理体系的企业具有一定的借鉴作用；（3）深入分析了我国企业信用风险管理水平低下的现状及主要问题，在此基础上对我国在企业信用风险管理体系架构的建立和完善、应对危机水平的全面提高提出了若干建议。 关键词：企业信用风险管理 金融危机 体系建设 影响
英文摘要：	Abstract This thesis expounds the theory of enterprise credit risk management; analyses the present situation of domestic enterprise credit risk management while introducing the currently international credit management system. The main concern of the thesis is to reveal clearly the deficiency, on the basis of comparison with foreign credit management system, in many aspects of the development of credit management system in China, covering the establishment of related laws and regulations; efficient credit data collection and assessment system; the supervision and management of our government and industry association; the education and research on credit management; the training of qualified personnel and the development of the industry. This thesis conducts its research on the credit risk management system of LS joint stock company, a Large-scale manufacturing of new energy sources in China, which is taken as its study specimen, to discuss how the company gradually builds up its credit risk management system, which fits for its own need of development and management during the process of operation, not only by adopting advanced mode of enterprise credit risk management system both in and abroad, but by combining with the characteristics of the industry and its own development strategies. Especially when struggling against the international financial crisis, it is with the help of its credit risk management system that the company takes timely and decisive measures to avoid potential credit risk. The targets of this thesis lies in the following three aspects. Firstly, it tries to suggest that what kinds of work should be done with great effort according to the practical requirements of enterprise credit risk management in order to guarantee that our enterprises can survive and develop in a healthy credit environment; secondly, it emphasizes the necessity and urgency of our enterprises, under the current situation, to strengthen credit risk management; the last but not the least, the burst out of the international financial crisis stimulates and fastens the establishment of credit risk management system of our enterprises. Meanwhile, the case introduced in this thesis will inspire those enterprises who are eager to establish their own credit risk management system. Based on the achievements of previous related studies as well as the author's experience and research in day-to-day work on the concerned theory with the understanding of the construction and operation of enterprise credit risk management system, this thesis attempts to make its own suggestions. The main contributions of this thesis turn out to be as follows: first of all, this thesis applies the research method of combination of normative research and case analysis, relating theory to practice, to conduct the study which comprehensively and systematically presents the significance of our enterprises' urgent need of establishing credit risk management system; second, by analyzing the large-scale manufacturing of new energy sources, LS joint stock company, and referring to the practical work experience, the author discusses the function of the company in its day-to-day credit risk management and the sound effects of positive measures the company has taken to deal with the international financial crisis, which is helpful, to some extent, to those enterprises who hasn't established their own credit risk management system; third, this thesis puts great emphasis on analyzing the status of lower credit risk management level in our country and its main problems as well. On the basis of the above analysis, this thesis tries to provide some suggestions on what our enterprises should do to establish and improve credit risk management system in order to raise the level of handling crises. Key Words: Enterprise credit risk management Financial crisis System establishment Influence
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