企业信用政策的直接目标是使企业在现金流和收益率上实现最大化，主要表现为：科学地将企业的应收账款持有水平和产生坏账的风险降到最低，提高现金流动速度;实现最大限度的信用销售。企业信用政策更进一步的目标是通过信用政策的实施实现企业的销售战略和客户关系管理战略。
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.
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