本文關(guān)鍵詞：吉林聯(lián)通3G用戶信用風(fēng)險管理研究　出處：《吉林大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 風(fēng)險控制 信用風(fēng)險 信用評估

【摘要】：信用管理作為影響市場經(jīng)營的一個重要因素已經(jīng)滲透到各行各業(yè)，并得到長足的發(fā)展。與相對成熟的金融行業(yè)應(yīng)用相比，信用管理在通信行業(yè)的應(yīng)用才剛剛起步，還不夠廣泛和完善。中國聯(lián)通從2009年10月份開始，正式銷售3G產(chǎn)品，并把聯(lián)通3G用戶定位為中高端用戶，實施并推廣對3G后付費用戶的信用管理。他希望通過有效的信用管理政策及統(tǒng)一的受理模式在銷售能力的提升和風(fēng)險的防范上尋找一個有效的平衡點，率先在全國3G產(chǎn)品的銷售模式上開創(chuàng)一個新的局面。但是，吉林聯(lián)通自實施信用管理以來，在應(yīng)用上遇到了欠費率高、用戶流失、投訴等諸多問題。 本文通過對吉林聯(lián)通3G用戶信用管理的現(xiàn)狀、存在的問題以及問題產(chǎn)生的原因進行闡述，提出了信用管理優(yōu)化的建議，希望通過管理的優(yōu)化和制度的完善逐漸改變吉林聯(lián)通在信用管理上的被動局面。文章共分為四部分，第一章概述了吉林聯(lián)通的業(yè)務(wù)現(xiàn)狀及吉林聯(lián)通3G業(yè)務(wù)及用戶特點，第二章闡述了吉林聯(lián)通3G用戶信用管理各個階段的應(yīng)用現(xiàn)狀，第三章提出了吉林聯(lián)通在初始授信管理、動態(tài)信用評估、信用控制管理等方面產(chǎn)生的問題并分析了問題產(chǎn)生的原因，最后則明確了吉林聯(lián)通要想做好信用控制，則需要從組織架構(gòu)、授信體系及系統(tǒng)支撐上進行全面的優(yōu)化。對于聯(lián)通來說，內(nèi)部管理及合理的評價體系很重要，因為它不僅需要在組織架構(gòu)及管理模式上借鑒銀行業(yè)的先進信用管理經(jīng)驗，同時也要開創(chuàng)通信行業(yè)的新模式。 隨著我國個人信用體制的發(fā)展，通信行業(yè)信用體系的完善與健全將會與個人利益越來越息息相關(guān)。通信企業(yè)的消費模式?jīng)Q定了用戶個體的消費及欠費行為對公司的影響微乎其微，但是，龐大用戶群的整體消費行為，對公司經(jīng)濟效益好壞的影響將是致命的。國家近期推出的通信行業(yè)實名制入網(wǎng)登記制度，，已經(jīng)明確用戶非實名制入網(wǎng)屬于違法行為，這項制度的推出為通信行業(yè)信用管理制度的實施及完善奠定了有力的基礎(chǔ)。也再次說明，國家在個人信用管理領(lǐng)域已經(jīng)逐漸加強監(jiān)管，并不斷完善和健全法律。實名制制度的強制執(zhí)行賦予通信行業(yè)在個人信用管理領(lǐng)域一項特殊的使命和權(quán)力，但是通信行業(yè)個人信用發(fā)展的道路依然漫長和曲折。吉林聯(lián)通在內(nèi)部改革的不斷推進及外部監(jiān)管制度的不斷加強下，最終會摸索出適合自己企業(yè)的信用制度，并促進行業(yè)和社會的個人信用體系完善。
[Abstract]:Credit management is one of the important factors affecting the operation of the market has penetrated into all walks of life, and has made great progress. With the relatively mature financial industry application compared to application of credit management in the communications industry has just started, is not wide enough and perfect. China Unicom from the beginning of 2009 October, the official sales of 3G products, and China Unicom 3G user positioning for high-end users, and promote the implementation of credit management for users to pay after 3G. He hopes that by accepting the effective model of credit management policies and unified prevention in sales ability and the risk of finding an effective balance point, take the lead in the sales of 3G products to create a new model the situation of Jilin Unicom. However, since the implementation of credit management, in the application of met in high arrears, the loss of users, many problems such as complaints.
Through the present status of credit management of Jilin Unicom 3G users, causes of the problems and issues were discussed, put forward suggestions to optimize the credit management, to improve the management system optimization and gradually change the passive Bureau of Jilin Unicom in credit management. The article is divided into four parts, the first chapter outlines Jilin Unicom's business situation and Jilin Unicom 3G business and user characteristics, the second chapter expounds the application status of Jilin Unicom 3G user credit management in each stage, the third chapter puts forward Jilin Unicom in the initial credit management, dynamic credit evaluation, credit control management and other aspects of the problems and analyzes the causes of the problems, and finally the Jilin Unicom to do a good job of credit control, need from the organizational structure, credit system and support system for comprehensive optimization. For China Unicom, internal management And a reasonable evaluation system is very important, because it needs not only to learn from the advanced credit management experience of the banking industry, but also to create a new mode of communication industry in the organizational structure and management mode.
With the rapid development of China's personal credit system, perfect credit system and improve the communications industry will be more and more closely related with personal interests. Communication enterprise determines the consumer consumption patterns and delinquent behavior of the individual users of the company very little, but the overall effect, consumer behavior of large groups of users, impact on the company's economic benefits will be deadly. The recent launch of the national communications industry network real name registration system, has a clear user non real name system network is illegal, the launch of this system laid a strong foundation and improve the implementation of the credit management system of the communications industry. It also demonstrates that the countries in the field of personal credit management has been gradually strengthen supervision, and constantly improving and perfecting the law enforcement system. The real name system gives the communications industry in the field of personal credit management of a special mission and power, But the development of personal credit communications industry, the road is still long and tortuous. Jilin Unicom in the reform of the internal and external supervision system continues to strengthen, will eventually find a suitable enterprise credit system, and promote the industry and society to improve the personal credit system.

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F626;F274

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本文編號：1370704