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Business Credit Asset Management Study

Author: ZhuDeWei
Tutor: WuJingMei
School: Renmin University of China
Course: Finance
Keywords: Credit Credit Assets Business Credit Asset Management
CLC: F275
Type: Master's thesis
Year: 2005
Downloads: 249
Quote: 4
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Abstract

Credit issues are now a hot topic in China. At present, enterprises dishonesty is rampant. How to change this situation, it was proposed the establishment of penalizing mechanism. This article is trying to pass the benefits to the enterprise trustworthiness proposed the concept of corporate credit assets, so that companies recognize the importance of corporate credit assets, the enterprise consciously go and trustworthy. To this end, we propose a corporate credit asset management issues, allow enterprises to manage their credit assets. The main contents are as follows. The first chapter is a general business credit asset management theory. Credit has a variety of meanings. Credit is the broad socio-economic and moral implications of credit, credit is narrowly based credit lending activities for the purpose of recycling. From an ethical perspective, credit is a \credit, credit refers to the lending practices; credit from the money point of view, the modern currency is credit money. Assets of enterprises owned or controlled by money measure economic resources, corporate credit assets as trustworthy enterprise, commitment, timely repayment of the formation of such an economic resource. This said credit assets and English in \Corporate credit asset is an intangible asset, corporate credit asset is an economic resource, corporate credit assets from the company's overall operating capacity (creditworthiness), corporate credit assets excess returns can bring to the enterprise, corporate credit assets can not be sure means. The second chapter is to introduce the role of corporate credit assets. Corporate credit assets conducive to corporate management; corporate credit assets can reduce the cost of financing, corporate finance and more convenient to make the necessary funds; corporate credit assets can better enable enterprises to gain the success of cooperation. How to measure corporate credit assets that? Paper argues that corporate credit assets can be measured using the indirect method. Indirect measurement There are two methods, the first method is to use excess returns in the future as the capitalized value of the measurement of the value of corporate credit assets. The second method is used to calculate the difference between the law of the credit value of the assets, that is, the overall value and the fair value of identifiable net assets of the difference, as the measurement of the value of corporate credit assets. The third chapter is the need for analysis of corporate credit assets. Enterprises should be internationalized globalization, enterprises should carry out sustained growth, the need for short-term refinancing, enterprises in the WTO context of international trade, especially in the social credit system to be operating under the enterprise, all of which require companies for corporate credit asset management. lt; WP = 6 gt; fourth chapter is to introduce the corporate credit asset management content. Business Credit Asset Management's goal is through business credit asset management for enterprises to accumulate more credit assets to enable enterprises to lower cost, easier to raise the necessary funds, and help enterprises to better business. Business Credit Asset Management is the active principle of management principles. Corporate credit asset management is to strengthen the specific content of the premise of the cash budget management, strengthen the management of commercial credit, strengthen enterprise management of loans to banks, strengthen the management of borrowing for capital. Fifth chapter is to introduce the corporate credit asset management situation and research status, while the resulting analyze the causes of this situation. Current research on credit management is more, there are few scholars to conduct a systematic study of corporate credit assets, only a few scholars in the article used or proposed corporate credit assets with similar concepts. China's current serious dishonesty, companies do not attach importance to corporate credit asset management. The main reason for this phenomenon is the following. At the micro reasons, this paper introduces the game theory analysis and cost-benefit analysis, that those companies with a credit game and repeated game selection, due to external environmental constraints and other reasons companies tend to choose a game, thus Select promises not to corporate credit assets management; respect of costs and benefits, the companies believe that high cost-effectiveness and trustworthiness of the obvious. The main reason causing these microscopic external macro environment is the reason that China has not yet established a sound social credit system and property rights system constraints. Chapter VI is mainly corporate credit asset management response. This paper argues that in-house, to establish internal credit enterprise asset management system is to establish corporate credit culture in the enterprise to establish a credit asset management department, to establish a set of corporate credit asset management system. In the external macro-environment aspects, one is to speed up the credit legislation, improve the credit legal environment, accelerate the development of China's credit management industry, the establishment of mechanisms to punish bad credit improve our social credit system; hand is to clarify property rights of state-owned enterprises, joint-stock reform of state-owned enterprises, to achieve diversification of ownership structure in order to accelerate reform of property rights. As China's social credit system establishment and improvement of SOE reform completed, asset management and corporate credit awareness, companies will increasingly attach importance to the management of credit assets. The phenomenon of corporate dishonesty will be improved.

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CLC: > Economic > Economic planning and management > Enterprise economy > Corporate Financial Management
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