Through the analysis of the value factors and consequently the credit management , authors argue that corporate managers could utilize such analytical results to determine the value benchmark and thereby the effect upon value . in terms of the relationship between value creation and credit management flow , including its associated issues of protecting the system , the impact could also extend to the external environment of any business . as a result , this paper suggests the above steps as to materialize the complete cycle of value - creation - based business credit management 通过分析信用管理对企业价值驱动因素的影响，分析了信用管理决策的价值依据，提出了信用管理决策的价值标准；从价值创造角度对信用管理流程等信用管理的保障体系进行了分析并提出改进建议，最终对中国企业信用管理的外部环境建设提出了改进建议，形成了完整的基于价值创造的企业信用管理系统。
