在论文的结论部分，提出企业信用管理研究是一个新课题，政策-流程-工具企业信用管理框架需要在企业的实践过程中得到修正和完善。
In the part of conclusion, Policy-Process-Tool credit management framework still needs to be continuously improved in the practice of corporate credit management.
信用政策的制定与选择是企业信用管理的重点，企业在选择信用政策时应与产品特点相适应。
The establishment and selection of credit policy plays an important role in credit management of enterprises. The selection of the credit policy should comply with the products characteristics.
在企业信用范围，紧缩政策预期重点将放在高质量信贷和高利率等敏感方面。
In corporate credit space, the expectation of policy tightening recommends a focus on higher-quality credits in interest-rate-sensitive sectors, such as Hong Kong and Chinese real estate names.
在企业信用范围，紧缩政策预期重点将放在高质量信贷和高利率等敏感方面。
In corporate credit space, the expectation of policy tightening recommends a focus on higher-quality credits in interest-rate-sensitive sectors, such as Hong Kong and Chinese real estate names.
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