【正文】 into financial crisis spread to the world, its real economy around the world caused very serious damage to the world economy into recession began. Enterprises operating conditions plummeted and its credit management position by the unprecedented threats and challenges, and some even into the chain39。s financial markets, so enterprise performance in China declined, resulting in vicious petition does not work together, and the resulting moral hazard. In view of the financial crisis emerged after these Chinese enterprises, it is imperative to improve enterprise credit risk management. By strengthening internal risk systems, improve the social credit risk environment and government departments to play an important role in the credit risk of credit transactions can significantly expand the scale of transactions against the credit risk and improve core petitiveness, including customer credit management system, customer credit system and accounts receivable management system. Therefore, to enhance enterprise credit management system construction, the present status quo in terms of 本科生畢業(yè)論文 v promoting the healthy development of Chinese enterprises is important. Key words: Financial crisis, credit risk management, credit system 本科生畢業(yè)論文 i 目 錄 引 言 ........................................................................................................................................ 1 一、后金融危機時代企業(yè)信用管理狀況概述 ........................................................................ 2 （一）金融危機后經濟狀況概述 ..................................................................................... 2 （二）金融危機給企業(yè)信用管理造成的影響 ................................................................. 3 1．金融危機演變?yōu)閷嶓w經濟危機所帶來的信用風險 ............................................ 3 2．金融危機給企業(yè)心理帶來的影響 ........................................................................ 4 二、后金融危機時代我國企業(yè)信用風險管理現狀分析 ........................................................ 5 （一）金融危機后我國信用風險狀況 ............................................................................. 5 1．危機后我國信用風險市場環(huán)境 ............................................................................ 5 2．危機后我國企業(yè)信用風險狀況 ............................................................................ 6 （二）金融危機后我國企業(yè)信用管理暴露的問題 ......................................................... 6 1．企業(yè)不顧風險而過于追求業(yè)績 ............................................................................ 6 2．企業(yè)信用管理體系形同虛設 ................................................................................ 7 3．企業(yè)信用風險管理意識淡薄 ................................................................................ 7 （三）金融危機后我國企業(yè)信用風險管理問題分析 ..................................................... 8 1．金融危機影響企業(yè)經營狀況 ................................................................................ 8 2．危機后市場環(huán)境的惡化導致信用制度缺陷的暴露 ............................................ 8 3． 危機后惡劣的市場環(huán)境使得道德風險擴大 ........................................................ 9 三、后金融危機時代我國企業(yè)信用風險管理的對策 .......................................................... 10 （一）加強企業(yè)內部風險控制制度 ............................................................................... 10 1．健全企業(yè)信用風險管理制度 .............................................................................. 10 2．建立信用風險評價指標系統(tǒng) .............................................................................. 11 3．加強企業(yè)信用文化意識的培養(yǎng) .......................................................................... 13 （二）改善社會信用風險環(huán)境 ....................................................................................... 14 1．重視行業(yè)信用評估 .............................................................................................. 14 2．防范道德風險 ...................................................................................................... 14 3．發(fā)揮信用中介機構在信用風險管理中的作用 .................................................. 15 本科生畢業(yè)論文 ii （三）發(fā)揮政府部門對信用風險的重要作用 ............................................................... 16 1．發(fā)揮政府信用平臺的作用 .................................................................................. 16 2．重視合同信用規(guī)范 .............................................................................................. 17 3．信用法規(guī)的建設與完善 ...................................................................................... 17 結論及展望 .............................................................................................................................. 19 （一）金融危機凸顯我國企業(yè)信用風險管理的薄弱環(huán)節(jié) ........................................... 19 （二）危中有機我國企業(yè)信用風險管理引來跨越式發(fā)展機遇 ................................... 19 參考文獻 .................................................................................................................................. 20 致 謝 ...................................................................................................................................... 21 聲明及論文 使用的授權 .......................................................................................................... 22 本科生畢業(yè)論文 1 引 言