“互联网+”时代企业信用风险管理研究

Study on enterprise credit risk management in “Internet +” era

"互联网+"很大程度上促进了信息技术与传统行业的发展,同时也加剧了信用风险。在互联网经济环境下,企业之间的很多交易都是在不见面的虚拟环境下完成的。由于交易行为不需要实物抵押及担保、征信体系不完善、信息不对称、互联网信息的虚拟性、监控不力、经营不善、恶意欺诈等诸多因素,引起拖欠账款、"三角债"等信用危机现象,甚至引起市场秩序混乱。文章在分析"互联网+"时代企业信用风险产生原因的基础上,提出信用风险管理的7个策略,以期降低信用风险。

＂Internet ＋＂ largely promotes the development of information technology and traditional industries, but also exacerbates the credit risk. In the lnternet economy, many transactions between enterprises are completed in the invisible virtual environment. Due to the transaction behavior short of physical mortgage and guarantee, the imperfect credit system, the information asymmetry, virtual information of the Internet, poor monitoring, bad management, malicious fraud and many other factors, causing the phenomenon of credit crisis such as delinquent accounts and ＂triangular debts＂ and even chaos in market order. On the basis of analyzing the causes of enterprise credit risk in ＂Internet ＋＂ era, this paper puts forward seven strategies of credit risk management, in order to reduce credit risk.