市场竞争的激烈,企业销量的不断增长,经销商资金短缺,这些因素常迫使企业不得不采用赊销即发放信用的方式去争取客户,扩大市场占有率。而赊销的风险,相信每个企业都有或大或小的经验和教训。赊销实际上就是将企业产品转化为现金的时间跨度拉长,企业资金周转放慢,经营成本加大。由于时间跨度拉长,发生坏账的机率增多,企业管理者唯有事先制定有效的保护措施,方能确保把失误和风险降至最低。这就是我们常讲的信用管理。信用管理政策是企业销售部门向客户发放信用的唯一依据,它包括信用审批条件、信用审批权限、信用额度和期限、信用监控和跟进四部分。 Fierce market competition, growing business sales, dealer shortage of funds, these factors often force companies have to resort to credit credit distribution to win customers, expand market share. The credit risk, I believe every business has large or small experience and lessons learned. In fact, credit sales are turning enterprises' products into cash lengthened in time span, cash flow of enterprises is slowed down, and operating costs are increased. Due to the extension of time span, the chance of bad debts increases. Only by formulating effective protective measures in advance can business managers ensure that mistakes and risks are minimized. This is what we often talk about credit management. Credit management policy is the only basis for the enterprise sales department to issue credit to customers. It includes credit approval conditions, credit approval authority, credit limit and term, credit monitoring and follow-up.