“三位一体”的企业全面信用管理理论及特征探析

Analyzing the Theory and Characteristics of "Trinity" Global Management of Enterprise Credit

基于现代市场经济意义上传统的信用销售和企业信用管理实践起源于1830年的英国和1837年的美国,其标志是征信公司及相关的调查服务业的出现。随后又逐步诞生了包括企业授信前、授信中和授信后的全程信用管理模式以及包含企业授信和受信的全过程信用控制理论,但它们均不能有效满足现代企业信用管理需要。只有包含"经济信用、法制信用和道德信用"三位于一体的企业全面信用管理,才能从根本上防范和降低企业信用风险。"三位一体"的企业全面信用管理理论是以建树高效有序企业信用文化、满足顾客和员工信用需求、提高企业经济效益为根本目的的一种崭新的企业管理理念和方法。它具有全面性、系统性、科学性和永恒性等特征。

In the sense of modem market economy, traditional credit transactions and corporation credit control originated from Britain in 1830 and from 1837 in the U. S. , and were marked by the emergence of credit investigation company and related investigation service industry. After that, global credit management mode and its corresponding theory came gradually into being, but they failed to meet the demands for credit management in modern enterprise. Only through global credit management of integrating ＂economic credit, rule - of -law credit and moral credit＂ can corporationg credit risks be prevented and decreased radically. ＂Trinity＂ management theory as a brand ~ new value and way of enterprise management has overall, systematic, scientif- ic and eternal characteristics, for its fundamental goal establishing efficient and ordered credit culture, meeting the needs of customers and employees for credit demands, and increasing enterprise＇s benefit.