ИНФОРМАЦИОННИ ТЕХНОЛОГИИ И УПРАВЛЕНИЕ НА КРЕДИТНИЯ РИСК ПРИ НЕФИНАНСОВИТЕ ПРЕДПРИЯТИЯ В БЪЛГАРИЯ

The aim of the article is to examine the importance of modern information technologies for the management of credit risk in non-financial enterprises in Bulgaria. There is a statistically significant correlation between the investment in computer equipment and software by the companies in the country and the measures taken to protect them against arrears of trade receivables. The extent of the distribution of electronic invoices and CRM software among companies of different sizes in the country is estimated, as well as the distribution of electronic invoices in Bulgaria compared to the other European countries. The results of the survey lead to the conclusion that in recent years the share of companies in the country sending electronic invoices and CRM software has increased. This trend is more pronounced in large enterprises. Although there is a tendency to expand the use of electronic invoices, Bulgaria ranks among the last places on this indicator compared to other European countries. Despite the high level of broadband internet access, high inter-company indebtedness and relatively good regulatory environment, the benefits of e-invoicing and CRM software to improve the management of trade receivables remain inadequately used in the country. [ABSTRACT FROM AUTHOR]