第三代企业信用管理理论及其特点

The Characteristics of the New Credit Management Theory in the Third Generation

在企业赊销或银行授信过程中会产生信用风险,企业信用管理方法专门用于控制这种信用风险。企业信用管理理论诞生于20世纪初期,它是在归纳和总结企业信用风险控制方法和操作的基础上形成的,在百年中已产生过两代理论。企业信用管理理论不仅随着企业所在的社会和市场环境变化而改进,还与征信行业各分支的技术和服务水平提升紧密相关。在市场规则、征信技术、政府监管、商业道德、科技进步等诸多因素的共同影响下,企业信用管理理论会产生"质"的变化,在理论上出现更新换代的现象。当前,产生新一代企业信用管理理论和方法的条件已经成熟。

Credit risk always appears during selling products on credit basis and credit extended by banks, and credit management methods are used to control the aforementioned risk. Credit management theory was induced in the early 20＇ s century. It was formed on the conclusions of business practices in credit management. During the last hundred years, two generation theories were developed. Credit management theory always changes along with the changes in market environment and the service improvements made by the industries of credit reporting, credit rat- ing, credit insurance, debt collection, etc. Under the influence factors such as market rules, credit reporting tech- nology, government regulation, business ethics, science and technology progress, the theory and methods in the new generation seem ready to come out.