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Business Credit
Business Credit is a magazine covering finance, business risk management and provides information for the extension of credit, maintenance of accounts receivable, and cash asset management. It is published 10 times per year by the National Association of Credit Management.Subjects for Business Credit include banking, finance and investments.
Articles from Vol. 96, No. 2, February
Analyzing Collection Services
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By far one of the most frustrating challenges confronting a credit manager is effectively handling seriously past-due accounts. However, the level of competition in almost every American industry, and current economic and other industry-specific concerns...
Analyzing Collection Services
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By far one of the most frustrating challenges confronting a Ucredit manager is effectively handling seriously past-due accounts. HoweVver, the level of competition in almost every American industry, and current economic and other industry-specific concerns...
Assertiveness in the Credit Department
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Credit managers should be assertive. It may be a key to success and advancement. Being more assertive can help credit managers deal more effectively with internal and external problems. Some examples of assertive behavior are: * Speaking up and/or...
Assertiveness in the Credit Department
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Credit managers should be assertive. It may be a key to success and advancement. Being more assertive can help credit managers deal more effectively with internal and external problems. Some examples of assertive behavior are:* Speaking up and/or asking...
At the Rate We're Going
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The key element of the Omnibus Budget Reconciliation Act of 1993 (OBRA 1993) is an increase in the tax rates. Just how will these rates affect you? Tax Increase for Individuals For marrieds filing jointly, a 36 percent tax rate applies to taxable income...
At the Rate We're Going
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The key element of the Omnibus Budget Reconciliation Act of 1993 (OBRA 1993) is an increase in the tax rates. Just how will these rates affect you?TAX INCREASE FOR INDIVIDUALSFor marrieds filing jointly, a 36 percent tax rate applies to taxable income...
Cause-and-Effect Ratio Analysis Adds Decision-Making Value to Credit Scoring Models
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Financial statement analysis is more than a clerical "number-crunching" exercise, so credit decision-makers must be prepared to go beyond the mechanical application of mathematical scoring models. The ability to understand the causes of a current or...
Cause-and-Effect Ratio Analysis Adds Decision-Making Value to Credit Scoring Models
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Financial statement analysis is more than a clerical "number-crunching" exercise, so credit decision-makers must be prcpared to go beyond the mechanical application of mathematical scoring models. The ability to understand the causes of a current or...
Conquering Financial Ratios: The Good, the Bad, and the Who
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Ratio analysis of financial statements isn't a beanbag. But it needn't be Rubik's Cube either. Many of the ratios in use today subtract from rather than add to our analysis by obscuring the really important ratios and inviting unwarranted speculation...
Conquering Financial Ratios: The Good, the Bad, and the Who Cares?
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Ratio analysis of financial statements isn't a beanbag. But it needn't be Rubik's Cube either. Many of the ratios in use today subtract from rather than add to our analysis by obscuring the really important ratios and inviting unwarranted speculation...
Conquering Financial Ratios: The Good, the Bad, and the Who Cares?
Read preview
Ratio analysis of financial statements isn't a beanbag. But it needn't be Rubik's Cube either. Many of the ratios in use today subtract from rather than add to our analysis by obscuring the really important ratios and inviting unwarranted speculation...
Credit Scoring Made Easy
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With all the things credit managers have to do these days, the last thing they need is a complicated credit scoring model. Richard Peterson, credit manager, domestic sales, ANGUS Chemical Company, has developed an easy-to-use system based upon grades...
Credit Scoring Made Easy
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With all the things credit managers have to do these days, the last thing they need is a complicated credit scoring model. Richard Peterson, credit manager, domestic sales,ANGUS Chemical Company, has developed an easy-to-use system based upon grades...
Curtailing Short-Paid Invoices
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Land O'Lakes recognizes the importance of technology in enhancing customer service, ultimately increasing earnings. Our company's self-scrutiny has lead to refining processes that directly contribute to improved customer service. Improved service has...
Curtailing Short-Paid Invoices
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Land O'Lakes recognizes the importance of technoLogy in enhancing customer service, ultimately increasing earnings. Our company's self-scrutiny has lead to refining processes that directly contribute to improved customer service. Improved service has...
DOD Waives Bond Requirements for DBE
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Effective Aug. 14, 1992, certain disadvantaged business enterprises (DBE) were given the opportunity to compete for government contracts by waiving the Miller Act requirements of a payment/performance bond. This would only apply to Section 813 8 (a)...
DOD Waives Bond Requirements for DBE
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Effective Aug. 14, 1992, certain disadvantaged business enterprises (DBE) were given the opportunity to compete for government contracts by waiving the Miller Act requirements of a payment/performance bond. This would only apply to Section 8138 (a) contracts....
Equipment Leasing: An Industry in Transition
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The equipment leasing industry in the U.S. and abroad experienced phenomenal growth in the past decade and will continue to grow at an even faster pace. According to the U.S. Department of Commerce, the volume of leasing transactions in this country...
Equipment Leasing: An Industry in Transition
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The equipment leasing industry in the U.S. and abroad experienced phenomenal growth in the past decade and will continue to grow at an even faster pace. According to the U.S. Department of Commerce, the volume of leasing transactions in this country...
Ethics in a Shrinking World
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Propelled by the savings and loan crisis and yet another round of revelations from Wall Street, ethics have been pushed to the forefront of American management. Business schools are adding ethics courses; several groups are attempting to create national...
Ethics in a Shrinking World
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Propelled by the savings and loan and yet another round of revelations from Wall Street, ethics have been pushed to the forefront of American management. Business schools are adding ethics courses; several groups are attempting to create national codes...
Global Retailing 2000
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"International business"..."regional economic trading bloc"..."global retailing" are all buzzwords of the '90s. Wait a minute, what is global retailing? Retailing traditionally has been "local" because it required knowledge of the needs and habits of...
Global Retailing 2000
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"International business"..." regional economic trading bloc"..."global retailing" are all buzzwords of the '90s. Wait a minute, what is global retailing?Retailing traditionally has been "local" because it required knowledge of the needs and habits of...
Identifying Foreign Exchange Risks in International Trade
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American companies marketing products and services overseas are finding that it improves their competitive edge to be able to quote prices and accept payments in foreign currencies. Selling in the customer's currency may put a U.S. supplier on equal...
Identifying Foreign Exchange Risks in International Trade
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American companies marketing products and services overseas are finding that it improves their competitive edge to be able to quote prices and accept payments in foreign currencies. Selling in the customer's currency may put a U.S. supplier on equal...
Industry Group Helps Creditors Nurse Customer Problems
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Each year, American business and industry risks billions of dollars on credit sales rather cash sales. The NACM Industry Credit Groups are one of the best sources available to combat bad credit risk. They go back a long way, having been in operation...
Industry Group Helps Creditors Nurse Customer Problems
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Each year, American business and industry risks billions of dollars on credit sales rather cash sales. The NACM Industry Credit Groups are one of the best sources available to combat bad credit risk. They go back a long way, having been in operation...
Leasing Provides Alternative Means to Expand Capital
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As the U.S. economy slowly pulls out of the 1991/1992 recession, many American manufacturing and service businesses have deferred making capital investments in new equipment in anticipation of a healthier economy. In fact, some may have waited so long...
Leasing Provides Alternative Means to Expand Capital
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As the U.S. economy slowly pulls out of the 1991/1992 recession, many American manufacturing and service businesses have deferred making capital investments in new equipment in anticipation of a healthier economy. In fact, some may have waited so long...
Legislative Conference Takes Issues Focus
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As its new name implies, this year's NACM Legislative and Critical Issues Conference is anything but the same old stuff. As you read through your program, you'll notice that the entire format and emphasis has shifted to education about the most pressing...
Making Business Valuation Work
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It is common for the owner or stockholders of a privately owned business to view a business valuation as an unnecessary cost, or a necessary waste of money, but a waste nonetheless. This attitude is understandable from the business owner who is paying...
Making Business Valuation Work
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It is common for the owner or stockholders of a privately owned business to view a business valuation as an unnecessary cost, or a necessary waste of money, but a waste nonetheless. This attitude is understandable from the business owner who is paying...
Measuring the Credit Department's Performance
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The credit department is often overlooked as a major contributor to a company's bottom line, sometimes affecting the company's fist-or-second-largest asset. As credit professionals, we must promote the success of our departmental co-workers and ourselves....
Reclamation Rights in Bankruptcy
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A customer's bankruptcy filing signals a halt to most of the collection efforts which can be initiated by a credit manager outside of bankruptcy court. But there are limited exceptions to that general rule. One of those exceptions involves the remedy...
Reclamation Rights in Bankruptcy
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A customer's bankruptcy filing signals a halt to most of the collection efforts which can be initiated by a credit manager outside of bankruptcy court. But there are limited exceptions to that general rule. One of those exceptions involves the remedy...
Specialized Temporary Services: Finding the Firm That Will Work for You
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Today's focus on corporate belt-tightening demands increased productivity from streamlined staffs. This is particularly true for the credit function where "time is money." Periodic and occasional operations, such as closing of the fiscal year or introducing...
Specialized Temporary Services: Finding the Firm That Will Work for You
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Today's focus on corporate belt-tightening demands increased productivity from streamlined staffs. This is particularly true for the credit function where "time is money." Periodic and occasional operations, such as closing of the fiscal year or introducing...
The Changing Nature of Bank Risk Analysis
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Four profound challenges are quietly undermining the comfortable traditions by which uninsured creditors assess their risk exposure to depository institutions. Fortunately, a new analytic discipline is emerging, one capable of diagnosing uninsured risk...
The Changing Nature of Bank Risk Analysis
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Four profound challenges are quietly undermining the comfortable traditions by which uninsured creditors assess their risk exposure to depository institutions. Fortunately, a new analytic discipline is emerging, one capable of diagnosing uninsured risk...
There Ought to Be a Law: A Step-by-Step Analysis of How an Idea Becomes Law
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Every coffee shop and kitchen across America has its share of pundits who have uttered the phrase, "There ought to be a law . . ." The first step that any legislation requires prior to enactment or even consideration is the formation of an idea. Ideas...
There Ought to Be a Law: A Step-by-Step Analysis of How an Idea Becomes Law
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Every coffee shop and kitchen across America has its share of pundits who have uttered the phrase, "There ought to be a law ... " The first step that any legislation requires prior to enactment or even consideration is the formation of an idea. Ideas...
