Management of Credit Risk for High-tech Enterprises
|School||Shijiazhuang University of Economics|
|Keywords||High-tech enterprises Credit risk Credit Risk Management Credit Risk Assessment|
Science and technology are primary productive forces . The high-tech enterprises and their development of the industry is the strategic high ground of today 's world economy , science and technology competition , the fundamental driving force of economic growth . Modern credit economy has become the mainstay of the development of market economy , high-tech enterprises are facing more than the average credit risk , such as high-tech enterprises need a lot of money and can not repay the money means lack of credit , directly attributable to credit risk . Therefore, how to enhance credit risk management of high-tech enterprises has important practical significance . Credit risk management of high-tech enterprises , the following : First , start by analyzing the characteristics of high-tech enterprises , dig out the most salient features of the high-tech enterprises in the intrinsic , combined with the reality on the basis of the relevant literature tentative to the problems of high-tech enterprise credit risk management . Second, on the basis of analysis of the problem from both systemic and non - systemic root of the problem of the high-tech enterprise credit risk management analysis, credit risk management measures for high-tech enterprises to provide direction and laid the foundation . Third, from the two major aspects of the hard constraints and soft constraints to build a high-tech enterprise credit risk management framework . Hard constraints mainly include building a reasonable credit risk management system, establish and improve the system of property rights of high-tech enterprises and make good use of legal norms prevention information asymmetry ; soft constraints mainly from to cultivate honesty corporate credit cultural perspective to consider . Fourth , the characteristics of this paper, high-tech enterprises , built from seven aspects of profitability, solvency , management capability , performance ability , innovation ability and overall quality of high-tech enterprises for credit risk evaluation indicators , combined with the catastrophe theory model Hebei a high-tech enterprises in the province to assess credit risks come to the company 's credit risk profile . Finally , we summarize the full text of innovation , inadequacies and problems to be studied in the future .