实际信用 meaning in English
positive credit
real credit
Examples
- The business bank of our country assess the credit grade of new high - tech enterprise by the index system of assess the credit grade of the traditional industrial and commercial enterprises at present , but because new high - tech enterprise have great difference with traditional enterprises in growing up characteristic , financial characteristics or influence their the factors of credit grade , etc . what assessed the index system of assess the credit grade of the traditional industrial and commercial enterprises emphasis on the assessment " to now in the past " , the new high - tech enterprise is the characteristic with high development , risky , so the index system of assess the credit grade of new high - tech enterprise particular emphasis on the assessment " from now in the future " , if we continue to use the index system of assess the credit grade of the traditional industrial and commercial enterprises to new high - tech enterprise , the result of credit grades must inequitable , not objective , thus may lead to the business bank refuses the new high - tech enterprise objectively with high credit grade outdoors on one hand , list the enterprise that the actual credit grade is low in the credit customer probably on the other hand , its result is that the business bank runs off in the fine customer , has reduced profits on one hand , have increased the credit risk of the business bank further on the other hand
目前我国商业银行对高新技术企业信用等级评估普遍采用原有针对传统工商企业设计的企业信用等级评估指标体系，但由于高新技术企业无论是成长特点、财务特点还是影响其信用等级的因素等都与传统企业存在极大的差异，针对传统工商企业设计的企业信用等级评估指标体系侧重的是“从过去到现在”的评估，而高新技术企业是具有高成长、高风险的特点，所以对高新技术企业的信用等级评估指标体系应侧重“从现在到将来”的评估，如果仍沿用以前针对传统工商企业设计的企业信用等级评估指标体系必然使高新技术企业信用等级评估的结果不科学、不公正、不客观，从而可能导致商业银行一方面把客观上信用等级高的高新技术企业拒绝门外，而另一方面则有可能把实际信用等级低的企业列入为信贷客户，其结果是一方面商业银行流失了优良客户，减少了利润，另一方面则进一步增加了商业银行的信贷风险。所以无论是从科学、客观、公正的角度还是为了商业银行确保选择优良客户、降低信贷风险的角度来讲都应该设计出一套高新技术企业信用等级评估指标体系。 - Taking the actuality of the credit management in a sg mechanism project company as a model case and the particularity of the sale - on - credit in mechanism industry into account , aiming at the actuality of the too large receivables and new speedy increasing period in mechanism industry , and working in company wholly tactic ? striving for the market occupancy ratio on the basis of controlling management risk , this article designs newly the whole process of the credit management system in the sg mechanism project company including the client administration in advance , credit conferring management in the midst and receivables management
本文主要以sg工程机械公司的实际信用管理现状作为一个典型案例,结合工程机械行业赊销以及代理制销售的特殊性,针对工程机械行业进入又一轮的快速增长期以及应收帐款过大的现状,配合公司的总体战略(在控制经营风险的前提下,争取市场占有率)对sg工程机械公司的信用管理制度从事前客户管理、事中授信业务管理、事后应收帐款管理整个过程进行重新设计。