吉林联通3G用户信用风险管理研究

发布时间：2018-01-02 20:04

本文关键词：吉林联通3G用户信用风险管理研究　出处：《吉林大学》2013年硕士论文　论文类型：学位论文

【摘要】：信用管理作为影响市场经营的一个重要因素已经渗透到各行各业，并得到长足的发展。与相对成熟的金融行业应用相比，信用管理在通信行业的应用才刚刚起步，还不够广泛和完善。中国联通从2009年10月份开始，正式销售3G产品，并把联通3G用户定位为中高端用户，实施并推广对3G后付费用户的信用管理。他希望通过有效的信用管理政策及统一的受理模式在销售能力的提升和风险的防范上寻找一个有效的平衡点，率先在全国3G产品的销售模式上开创一个新的局面。但是，吉林联通自实施信用管理以来，在应用上遇到了欠费率高、用户流失、投诉等诸多问题。本文通过对吉林联通3G用户信用管理的现状、存在的问题以及问题产生的原因进行阐述，提出了信用管理优化的建议，希望通过管理的优化和制度的完善逐渐改变吉林联通在信用管理上的被动局面。文章共分为四部分，第一章概述了吉林联通的业务现状及吉林联通3G业务及用户特点，第二章阐述了吉林联通3G用户信用管理各个阶段的应用现状，第三章提出了吉林联通在初始授信管理、动态信用评估、信用控制管理等方面产生的问题并分析了问题产生的原因，最后则明确了吉林联通要想做好信用控制，则需要从组织架构、授信体系及系统支撑上进行全面的优化。对于联通来说，内部管理及合理的评价体系很重要，因为它不仅需要在组织架构及管理模式上借鉴银行业的先进信用管理经验，同时也要开创通信行业的新模式。随着我国个人信用体制的发展，通信行业信用体系的完善与健全将会与个人利益越来越息息相关。通信企业的消费模式决定了用户个体的消费及欠费行为对公司的影响微乎其微，但是，庞大用户群的整体消费行为，对公司经济效益好坏的影响将是致命的。国家近期推出的通信行业实名制入网登记制度，，已经明确用户非实名制入网属于违法行为，这项制度的推出为通信行业信用管理制度的实施及完善奠定了有力的基础。也再次说明，国家在个人信用管理领域已经逐渐加强监管，并不断完善和健全法律。实名制制度的强制执行赋予通信行业在个人信用管理领域一项特殊的使命和权力，但是通信行业个人信用发展的道路依然漫长和曲折。吉林联通在内部改革的不断推进及外部监管制度的不断加强下，最终会摸索出适合自己企业的信用制度，并促进行业和社会的个人信用体系完善。
[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.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F626;F274

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