企业信用管理制度缺失问题研究——基于995户企业调查问卷的分析

Corparation Gredit Management:the Institutional Deficiency and Its Genesis——Evidence from Questionnaire Survey of 995 Corporations

信用管理制度是现代企业管理的一项重要制度安排。湖南省995户工商企业调查问卷分析表明:企业信用管理制度缺失、信用销售能力不足、信用风险巨大影响企业竞争力。为推进企业信用管理制度建设,我国应尽快建立信用管理研发和推广机制,推进征信体系建设,健全失信惩戒机制、信用风险转移机制以及应收账款再融资机制。

The institution of credit management is an important institutional arrangement ot modern corporation management. As the report of questionnaire survey from 995 industrial and commercial enterprises in Hunan province indicates, the deficiency of corporate credit management institution, incapability of credit sale as well as the huge credit risk have seriously effect the competence of China＇s enterprises. In order to carry out the institution construction of corporate credit management, China should focus on five issues, which are the R＆D mechanism of credit management, the development of credit reporting system , the mechanism of penalty dishonesty, credit risk transfer and refinancing of receivables.