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论文编号：	4087
作者编号：	2220091932
上传时间：	2012/3/15 14:29:18
中文题目：	力源工程机械公司客户信用风险管理研究
英文题目：	Research on Credit Risk Management ofLIYUAN Engineering Machinery Company
指导老师：	李莉
中文关键字：	信用风险管理，赊销管理，债权管理，力源工程机械公司
英文关键字：	Credit Risk Management, Credit Sales Management Conceptual Design, Debt Management, LIYUAN Engineering Machinery Company
中文摘要：	力源工程机械公司是全国知名的工程机械经销服务商，其渠道模式主要是通过代理形式进行；销售方式涉及到全款、分期、融资租赁、银行按揭等，95%以上是以融资租赁和银行按揭为主。本文对力源工程机械公司客户信用风险管理的现状和问题进行了分析，介绍了力源公司概况、销售业务现状，以及力源公司的债权管理，同时阐述了力源公司存在的信用风险，主要存在的信用风险有：偿债风险、资产的流动性风险、融资渠道单一的风险、不可抗拒力风险等。同时还分析了力源公司客户信用风险产生的原因。主要原因是：第一，对内缺少科学的信用管理制度和有效的组织结构体系；第二，企业对外缺少科学的信用管理政策和规范的业务管理流程。针对上述分析，本文为力源公司设计的客户信用风险管理包括六个步骤：第一，制定客户信用风险管理战略目标。第二，客户信用风险识别，认识和了解企业存在的各种风险因素及其可能带来的严重后果。第三，信用风险评估，企业应当准确识别与实现控制目标相关的内部风险和外部风险，确定相应的风险承受度。第四，客户信用风险应对，这部分主要是制定相关信用政策，包括信用标准制定、信用条件选择和收款政策制定三个部分。第五，客户信用风险控制，在识别和度量企业信用风险的基础上，信用风险管理者必须采取适当的信用风险控制策略，以达到信用风险管理的目标。企业信用风险控制的类型也分为事前控制、事中控制和事后控制。最后是通过沟通与监控保证信用管理信息系统安全稳定运行。力源公司在实施客户信用风险管理时，要注重债权呼叫中心领导企业的信用风险管理工作，不但仅负责催收款的工作，而是负责客户信用风险的分析与决策，而由其它部门负责信用风险信息的统计和信用决策的执行。同时要建立力源公司客户信用风险管理制度，包括：客户信用风险管理的流程、客户信用风险管理职责与权限和客户信用风险管理政策。
英文摘要：	LIYUAN engineering machinery company is the well-known engineering machinery distribution services. Its sales channel mainly is the agency, and Sales way is: all of the installment sales, sales, finance lease sales, bank mortgage sales; financing lease sales and bank mortgage sales account for 95% of total sales. This paper analyzes the LIYUAN credit risk management of the status quo and problems, and introduced the company profiles, sales business conditions, and claims management, and expounds the company existing credit risk, and the main existing credit risk: debt service risk; The liquidity risk of assets; The financing channels of a single risk; Force majeure risk, etc. At the same time, this paper also analyzes the company credit risk causes. The main reason is: first, the lack of scientific enterprise credit management system and effective organization structure system management enterprise itself. Second, the lack of scientific credit management policies and standard business management process to manage enterprise stakeholders. Based on the above analysis, this paper designed the source company do credit risk management mode, including six steps: First, make credit risk management strategic objectives. Second, credit risk identification, the enterprise has to know all kinds of risk factors and possible serious consequences. Third, credit risk assessment, the enterprise shall accurately identify internal risk and external risk, determines the corresponding risk tolerance. Fourth, credit risk response, this part mainly to formulating relevant credit policy, including credit standards, choose the payments and credit conditions policy making three parts. Fifth, credit risk control, enterprise credit risk control of the type also divided into beforehand control, course control and afterwards controls. Finally the communication and supervision, guarantee the credit management information system security and stable operation. The company should let "claims to be a leader, call center" command of the enterprise credit risk management work. Not only responsible for collection, but is responsible for work push credit risk analysis and decision making, and the other is responsible for credit risk information statistics and the execution of the credit decision. At the same time to establish LIYUAN company credit risk management system, including: the credit risk management, the credit risk management responsibility and authority and credit risk management policy.
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