Method for realizing credit sale risk management control by utilizing enterprise resource management system

Abstract

The invention discloses a method for realizing credit sale risk management control by utilizing an enterprise resource management system. The method comprises the following steps of (1) constructing a customer credit risk level evaluation system; (2) performing distribution and use of client funds and credit lines; and (3) performing risk control and early-warning monitoring under the constraint of payment terms. According to the method, functional expansion in the aspects of client credit information collection, credit rating, credit line distribution, order signing and delivery control, incoming money distribution, returned money settlement, credit overlimit risk alarming and the like is performed in a standard system; functional support of the whole business process, from order signing to settlement completion, of a credit sale business, and check and control management of key nodes are realized; and an information technology solution is provided for carrying out credit sale businesses and risk management control in conventional processing manufacturing and trade industries.

Description

technical field [0001] The invention belongs to the field of computer applications. Background technique [0002] Most of the traditional processing, manufacturing and trading industries are faced with overcapacity, slow growth in demand, increased cost of raw materials and labor, homogeneous products and similar sales models have caused fierce market competition and brought huge operating pressure to enterprises. How to expand sales scope , Increasing revenue and profit is the primary issue for the survival and development of every enterprise. Credit sales is undoubtedly a very effective means, but at present, it is difficult to uniformly and effectively evaluate the credit status of domestic enterprises, and the use of bank credit or third-party professional credit institutions will increase the cost of enterprises, and the sales volume brought about by credit sales will increase. At the same time, it also brings difficulties in repayment, and even a huge risk of bad debt...

AI Technical Summary

Problems solved by technology

[0002] Most of the traditional processing, manufacturing and trading industries are faced with overcapacity, slow growth in demand, increased cost of raw materials and labor, homogeneous products and similar sales models have caused fierce market competition and brought huge operating pressure to enterprises. How to expand sales scope 、Increasing income and profit is the primary issue for the survival and development of every enterprise

Credit sales is undoubtedly a very effective means, but at present, it is difficult to uniformly and effectively evaluate the credit status of domestic enterprises, and the use of bank credit or third-party professional credit institutions will increase the cost of enterprises, and the sales volume brought about by credit sales will increase. At the same time, it also brings difficulties in repayment, and even a huge risk of bad debts. Therefore, how to meet the actual needs and business goals of the enterprise, and to carry out credit sales smoothly and effectively carry out risk control is an important business requirement.