关键词: 企业信用,信用风险,风险管理

Abstract: At the present stage, the corporate credit situation in China is of great concern; such dishonest behaviors as outstanding payments, breach of contract, product right infringement, false information, counterfeit and shoddy products, quality fraud and so on are plaguing the enterprises. Due to the information asymmetry between buyers and sellers in the credit transaction, two kinds of opportunistic behaviors can be found: the first is that the buyer will choose to provide beneficial information to reach the contract, shielding information that is not conducive to reach the contract. Some even forge and provide false information for the purpose of signing the contract; the second is that the buyer will not make full and timely payment when the credit deal is reached. In order to change the present situation of credit missing in China’s enterprises and higher credit risk in commercial transactions, all the enterprises themselves should strengthen their internal control of credit risk, besides, the government and the society should also take appropriate measures.

Key words: corporate credit; credit risk; risk management