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    How To Deal With Financial Problems By Top Leaders Of Enterprises

    2015/2/2 21:56:00 15

    Enterprise LeadersAssetsFinancial Management

    The general manager must generally consider the following aspects before making a decision.

    First: the company's current

    Credit policy

    And regulations.

    Second: 5C assessment, including customer conduct (Character), financial strength (Capital), business capability (Capacity), mortgage and Collateral (condition) and condition (Condition).

    Third: it is to adopt loose or strict credit policy.

    A loose credit policy can be considered as follows:

    The company has a large inventory, products are about to expire, new markets are developed, new products are promoted, market competition is too intense, and the legal environment is good.

    Product demand exceeds supply; market demand is strong; customers' special specifications products; long production cycle / high cost products; small profit products; bad legal environment; in fact, the first item: the company's current credit policy and second: 5C assessment is relatively easy to grasp, because it is a quantitative index; what is difficult to grasp is third: whether to adopt loose or strict credit policy, and judge the need for a certain overall situation and look forward to the problem.

    The most common way of thinking about credit risk is to see whether it is in line with the current credit policy of the enterprise, for example, whether it is allowed to cash or credit pactions. If it is the latter, how much is the credit limit and the time limit? The further way is to look at the historical data of customers, such as the past sales status, whether there are bad credit records, how the clients' financial strength is, whether there is collateral or guarantee, etc.

    However, there are few credit risk in the middle level of the enterprise to be considered in the framework such as profit / market share and competitive environment.

    No brand awareness nor mature channels for new enterprises to open up a new market, no matter what industry is not using a cash spot, if you want to insist on payment to delivery, it means that you must invest enough money in brand building to provide market pull. Of course, you are a big international company that can do so; or your product technology has patent and monopoly like Intel CPU, or your cost is half of competitors; maybe you will eventually find that first, distribution of channels and terminals is a more realistic way to enter the market (of course, loose credit policy is not random delivery), at least in the early stage of entering the market. For example: a

    because

    market

    The rules are determined by the market rather than by an enterprise.

    The general manager finally decided to increase the B company's

    Provisional credit

    I am afraid that more consideration is to develop the new market in Wenzhou. The cost and the risk of possible market is a decision of the overall situation. It should never be a process of beating the head.

    In fact, the essence of credit risk management is the controllability of risk, the price that may be paid, but it will not exceed that cost, and whether the return you will get is a good deal.

    Just like winning the Wenzhou market in this case.

    When formulating and adjusting credit policies, the finance department and the sales department can also use the "third eye" of the general manager, rather than just from the perspective of this department.

    To achieve this, first, the Ministry of Finance and the sales department should strengthen communication and speak in a common language (qualitative and quantitative statistical analysis methods of credit risk); second: establish and apply objective evaluation criteria (including market characteristics, customer characteristics, product characteristics, industry characteristics, competitive characteristics, strategic characteristics and management characteristics); third: jointly participate in the establishment of customer files, and at the same time, executives or marketing CEOs must participate in discussions to help determine the balance between financial risks and sales targets, so that enterprises can develop healthily and steadily.


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