商业信用运用规模研究综述与展望

Review and Prospect of the Scale of Commercial Credit

商业信用增加了企业的资金融资渠道,也加快了企业资金的周转。近年来,我国许多企业迫于市场竞争的压力,在其发展过程中不重视商业信用运用规模的控制,一味追求销售业绩的增长,但其内部财务状况却不容乐观,甚至出现经营危机。首先简要回顾了商业信用运用规模对宏观经济的影响研究、投融资商业信用运用规模对微观经济的重要性研究、以及商业信用规模的衡量与评定方法研究;然后,对现有研究进行了简要述评;最后,在结合中国制度背景的基础上提出了我国未来可供研究的方向。

Commercial credit increases financing channels and speeds up the turnover of the enterprise funds.In recent years,many companies forced by the pressure of market competition,do not attach importance to the control of the size of commercial credit in the process of its development,and blind pursuit of sales growth,but its internal financial situation is not optimistic,or even a business crisis.Firstly,this paper briefly reviews impacts of the scale of business credit to macroeconomic,the importance of the scale of investment and financing of commercial credit to microeconomic,and measurement and evaluation methods of commercial credit scale;Secondly,this paper provides a brief Commentary of existing research;Finally,with the Institutional background of China,this paper proposed our future research directions.