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Fan: an effective strategy for industrial and commercial enterprise management

First, the deficiencies in the management of industrial and commercial enterprises

At present, the pace of reform and opening up in China is gradually accelerating, and the world market is increasingly open, which makes the risks faced by enterprises increase. In this case, China's industrial and commercial enterprises have gradually realized the importance of risk management and constantly increased internal management. However, compared with many excellent foreign enterprises, China enterprises are still in a backward stage, and their grasp and analysis of risks are not clear enough, and their management efforts are relatively lacking. Specifically, there are the following problems.

1. Poor risk control ability

Industrial and commercial enterprises involve many contents and are greatly affected by the financial crisis. Without an understanding of risk management and an accurate analysis of the market, a risk crisis will be formed imperceptibly, which will affect the further development of enterprises.

2. The risk management system is not perfect

According to the survey, at present, many industrial and commercial enterprises have no effective risk management system, and the lack of specific norms often leads to confusion in processes and mistakes in work, which can not effectively avoid risks.

3. The ability and quality of risk management personnel need to be improved.

Now there are fewer and fewer people who understand management and can do scientific analysis. Most internal managers of industrial and commercial enterprises do not know how to avoid risks, and their quality and ability need to be strengthened.

Second, the effective strategy of industrial and commercial enterprise management

In order to reduce the harm of risks to enterprises, we must take effective countermeasures to make use of them.

1. Explain the importance of risk management.

In order to fundamentally reduce the possibility of risk occurrence and ensure that enterprises can effectively avoid risks, it is necessary for all personnel within enterprises to make clear the harm of risks to enterprises and understand the significance of avoiding risks. In this regard, industrial and commercial enterprises should increase publicity efforts, so that all internal personnel realize the close relationship between effective management and themselves, so as to do a good job of supervision, strengthen management and effectively avoid risks.

2. Strengthen risk assessment procedures and improve information systems.

There are many risks faced by industrial and commercial enterprises, but some risks can be successfully avoided. In this regard, enterprises should actively carry out risk assessment, effectively prevent risks, identify and control risks. Specifically, in order to avoid the adverse effects caused by the rapid development of enterprises, when the business environment changes or new business is expanded, market research should be intensified, the possibility of risks should be evaluated, and specific risk response measures should be taken. In addition, due to the continuous progress of modern technology, industrial and commercial enterprises should also introduce information systems when avoiding risks, collect information about risks, realize resource sharing, and accurately analyze the possibility of risks by using advanced equipment to ensure correct decision-making.

3. Improve the system construction and improve the ability and quality of managers.

As the saying goes, "No rules, no Fiona Fang". If you want to avoid risks successfully, you must improve a set of effective management countermeasures. In this regard, industrial and commercial enterprises should improve the establishment of internal risk aversion policies, refine management content, implement responsibility system and effectively avoid risks. At the same time, it is necessary to constantly improve the ability level of internal management personnel, let them know the great harm of risks to enterprises, and do pre-job training and increase publicity before employees take up their posts. Enterprise managers themselves should constantly cultivate and improve their own abilities, use their spare time to learn more about the risks of industrial and commercial enterprises, strengthen their understanding of risks, and clarify how to implement correct and scientific management to avoid risks. Enterprises can also implement the development strategy of "bringing in and going out", communicate with managers of other enterprises, hire competent personnel for internal training, and improve the quality and ability of managers.

Third, the conclusion

In short, with the gradual opening of the world market, social competition is gradually intensifying, and the risks faced by industrial and commercial enterprises are increasing. In order to ensure the smooth development of enterprises and not be eliminated by society, it is necessary to clarify the significance of risk management, continuously improve the management level, intensify management, apply modern facilities, gradually improve management countermeasures, and scientifically and reasonably analyze the possibility of risk occurrence. Only in this way can industrial and commercial enterprises effectively avoid risks and reduce the possibility of danger, thus gradually improving the economic benefits of enterprises and making them invincible.

Fan: Business enterprise management and enterprise credit management.

First, the analysis of the current situation of credit management in China's industrial and commercial enterprises

As far as the actual situation is concerned, the following is a concrete analysis of the current situation of credit management in China's industrial and commercial industries: First, in domestic industrial and commercial enterprises, many financial departments and sales departments are usually set up to systematically manage the credit sales of enterprises, which often brings great constraints to the internal credit management of enterprises. Because different enterprise departments have their own unique operation modes, there are often differences in cooperation and exchange between sales and finance departments, which makes the credit management mode of enterprises show a slow development trend. Secondly, because there are essential differences between internal sales target management and credit risk management, their functions are also very different. At the same time, due to the lack of corresponding technical support, if the sales department is allowed to perform the function of credit risk, the sales staff of the enterprise will cause greater risks to the enterprise driven by sales interests. Thirdly, because the financial personnel have not studied the background information of customers and the transactions between customers and companies in depth, if the financial department controls credit management, it will lead to serious differences between the two departments. Therefore, how to improve the enterprise management mechanism in the internal configuration of enterprises and promote the benign functional communication between departments is the key element to construct the enterprise risk mechanism management.

Second, an effective way to improve the credit management of industrial and commercial enterprises

Managers of industrial and commercial enterprises must pay enough attention to enterprise credit. As far as the internal credit risk management of industrial and commercial enterprises is concerned, it is usually integrated into all production and operation departments of enterprises. If we want to build a perfect enterprise risk management mechanism, it is not enough to rely on the strength of one department alone. To a certain extent, this requires industrial and commercial managers to focus on enterprise credit risk management, comprehensively strengthen the coordination and communication between industrial and commercial managers, and increase the investment of enterprise financial funds in their own departments. At the same time, on the basis of enhancing managers' risk awareness, improve the quality of risk managers and optimize the internal credit management model of enterprises.

1. Build the credit management department of the system. In the operation of industrial and commercial enterprises, the management of enterprise information risk has quite strict requirements for the professional skills and management level of enterprise managers. In this regard, only by setting up a pure credit management department within the enterprise can we improve the internal credit management mechanism. To build a scientific credit management function, enterprise managers need to systematically control the credit management within the enterprise, and realize the all-round control of credit management before, during and after the event. This series of work requires a lot of investigation and research by relevant personnel. Therefore, enterprises should establish a separate credit management department, standardize the management functions of the sales department and the financial department, and build a scientific operation system within the enterprise.

2. Strengthen the quality training of enterprise managers. The credit management of industrial and commercial enterprises is a long-term, professional and technical work. To achieve it under certain conditions, it is necessary to coordinate the cooperation of leaders, sales personnel, financial personnel and business personnel, establish the goal of * * *, and constantly develop the efforts of * * *. At the same time, it really needs managers to have considerable professional knowledge and skills. Therefore, in the work of credit management, enterprises should strengthen the training of credit managers and improve their credit management skills on the basis of improving their credit management ability.

3. Implement the credit management system. Carrying out credit management is the key content of implementing enterprise credit risk management. Generally, enterprise credit managers are required to actively collect all-round customer data, establish a perfect customer data management database, regularly supplement new customer data, carry out credit verification, and sort out reputable customer data. As far as establishing the core system of customer credit management is concerned, it is a comprehensive evaluation of customer credit management. In this regard, enterprises can learn about customers' credit through legal means, such as investigating business administration departments and media enterprises.

4. Build the internal credit system of industrial and commercial enterprises. The internal credit system of industrial and commercial enterprises is to systematically investigate the credit status of customers and fully grasp the credit limit of customers. Credit management is the core content of credit management in industrial and commercial enterprises. Specifically, the enterprise judges the credit limit of the customer according to the credit evaluation made to the customer before, the transaction information with the customer in the early stage and the internal credit management mechanism of the enterprise. At the same time, enterprises should establish a comprehensive customer credit review process. In this regard, we should implement a set of transaction approval mode specially formulated for the credit system, effectively assume the responsibility of enterprise risk management, and effectively avoid the situation that other departments use credit management loopholes for personal gain.

5. Realize the credit rating evaluation with customers. For the credit management of industrial and commercial enterprises, it is convenient to establish customer files and classify credit customers by realizing credit rating evaluation with customers. Customer credit rating evaluation, that is, focusing on customer's contract performance ability and repayment ability, quantitatively analyzes customer's credit. In this regard, enterprises should analyze customers' credit on a quarterly basis and make a financial evaluation of customers' credit in the previous year at the end of the year.

6. The significance of improving enterprise credit management. In the management of industrial and commercial enterprises, perfecting the internal credit management mechanism is the premise of building a harmonious economic market. First, adhere to the business philosophy of honesty and trustworthiness, and establish Chinese traditional business virtues. In this regard, enterprises can effectively integrate the credit management mechanism into the market economy theory and further promote the rapid development of the market economy. Second, it is the key content of maintaining the market economic order. In the increasingly fierce market competition, it is necessary to effectively standardize the market economic order and give full play to the great work efficiency of economic market participants. At the same time, on the basis of perfecting the enterprise credit system, standardize the enterprise management mode, alleviate the unstable factors in the market economy in time, and eradicate the trading behavior that does not speak credit. Third, improve the competitive capital of enterprises, establish their own credit mechanism and establish a fair and open market trading environment. In a sense, an enterprise without integrity has no development prospects. In the increasingly competitive market trade, enterprises are important participants in the implementation of market economy. In order to maintain the economic status of enterprises, it is necessary to make high-quality products, set reasonable prices and establish a good corporate image, so as to comprehensively improve the core competition mechanism of enterprises. At the same time, according to the actual operation of enterprises, a complete set of modern enterprise credit management model has been drawn up, which is of great significance to enterprise management and market economy environment construction. On the basis of improving enterprise management level, we should innovate enterprise management mode, help enterprises open customer channels, coordinate exchanges and cooperation between enterprises and customers, improve the overall comprehensive strength of enterprises and promote enterprise economic development.

Three. Concluding remarks

This paper systematically discusses the credit management of industrial and commercial enterprises, and from the current situation of credit risk management, puts forward a series of development measures to improve enterprise credit. At the same time, in terms of the practical significance of credit to the growth and development of enterprises, it provides an effective reference for the credit work of enterprise managers in the new period.