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. 105, No. 3, March

A Great Reputation Speaks for Itself
For more than 50 years, Robert Half Finance & Accounting has been the world's first and largest recruiting firm specializing in the placement of accounting and finance professionals. Listed below is a sampling of positions available through Robert...
Application of Scoring Systems in Trade Credit Assessment
Selected Topic BUSINESS CREDIT As a result of the current economic downturn, credit managers are facing a tough, increasingly inflexible credit environment. Business bankruptcies are at historically high levels, with the number of slow paying accounts...
Application of Scoring Systems in Trade Credit Assessment. (Selected Topic)
As a result of the current economic downturn, credit managers are facing a tough, increasingly inflexible credit environment. Business bankruptcies are at historically high levels, with the number of slow paying accounts increasing 10 percent in the...
Applying Statistical Methods to the Loss Reserve Calculation
Selected Topic BUSINESS CREDIT Who doesn't want a 1,000% ROI on a six-month project? This article addresses an opportunity in the utility industry for significant benefits. Building on the concepts put forth in "Scoring the Account Lifecycle," this article...
Applying Statistical Methods to the Loss Reserve Calculation: Who Doesn't Want a 1,000% ROI on a Six-Month Project? (Selected Topic)
This article addresses an opportunity in the utility industry for significant benefits, Building on the concepts put forth in "Scoring the Account Lifecycle," this article will articulate why a company should take the logical next step beyond the use...
A Survival Guide for Leaders
Selected Topic BUSINESS CREDIT Steering an organization through times of change can be hazardous, and it has been the ruin of many a leader. To avoid the perils, let a few basic rules govern your actions-and your internal compass. Think of the many top...
A Survival Guide for Leaders. (Selected Topic)
Steering an organization through times of change can be hazardous, and it has been the ruin of many a leader. To avoid the perils, let a few basic rules govern your actions--and your internal compass. Think of the many top executives in recent years...
Confidently Evaluate Small Businesses with Credit Scoring
Small businesses continue to be a growing and powerful segment of the American economy with approximately 22 million small businesses in the United States. Small business is defined as those businesses with fewer than 500 employees. Eight out of 10 of...
Confidently Evaluate Small Businesses with Credit Scoring. (Feature Article)
Small businesses continue to be a growing and powerful segment of the American economy with approximately 22 million small businesses in the United States. Small business is defined as those businesses with fewer than 500 employees. Eight out of 10...
Credit Scoring Basics
featured article Introduction The current state of the economy is one of the factors that has perked up corporate America's interest in credit scoring. The downsizing of credit departments and associated layoffs has left many companies with too few people...
Credit Scoring Basics. (Feature Article)
Introduction The current state of the economy is one of the factors that has perked up corporate America's interest in credit scoring. The downsizing of credit departments and associated layoffs has left many companies with too few people to do...
Crunch Time
Retreating from risk is not an option, so credit managers make sure they have the best tools for analyzing it and applying the results. Granting commercial trade credit is contact sport. For many corporations in a soft economy, like football teams in...
Crunch Time: Retreating from Risk Is Not an Option, So Credit Managers Make Sure They Have the Best Tools for Analyzing It and Applying the Results. (Feature Article)
Granting commercial trade credit is contact a sport. For many corporations in a soft economy, like football teams in the playoffs, it's time to get physical." It's the credit manager's job to see that the company gets banged up--but not too banged...
Hot Spots: Ireland
Ireland will remain a growth leader within the European Union, but the days of Celtic Tiger performance are definitely over. The Emerald Isle's policy makers are aware that the current slow-down is not just cyclical but also has structural reasons they...
Hot Spots: Ireland. (International Section)
Dr. Belcsak is president of S.J. Rundt & Associates, Inc. Telephone: 973/783-5206; fax: 973/744-3073; e-mail: info@rundtsintelligence.com; web site: www.rundtsintelligence.com. Ireland will remain a growth leader within the European Union, but...
International Standards Will Smooth Credit Management
Credit managers may soon reap the benefits of the thirty-year struggle to achieve international accounting and reporting standards. In the long fight for international standards for accounting and financial reporting, more progress has been made in the...
International Standards Will Smooth Credit Management. (International Section)
Credit managers may soon reap the benefits of the thirty-year struggle to achieve international accounting and reporting standards. In the long fight for international standards for accounting and financial reporting, more progress has been made...
Keeping a Staff Motivated through Training and Development
When you think about training, you think about the reasons why you train someone. Those reasons can range from a new-hire needing training on how the department and/or company operates, to introducing a new concept to a workgroup or a new computer system....
Keeping a Staff Motivated through Training and Development. (Selected Topic)
When you think about training, you think about the reasons why you train someone. Those reasons can range from a new-hire needing training on how the department and/or company operates, to introducing a new concept to a workgroup or a new computer...
Landlords: Is the Security Deposit from Your Tenant Really Secure?
Selected Topic BUSINESS CREDIT Landlords routinely demand and generally receive large security deposits to back long-term commercial leases. A large security deposit is often the backbone of a commercial lease transaction; however, landlords and their...
Landlords: Is the Security Deposit from Your Tenant Really Secure? (Selected Topic)
Landlords routinely demand and generally receive large security deposits to back long-term commercial leases. A large security deposit is often the backbone of a commercial lease transaction; however, landlords and their counsel may be dismayed when...
Letter of Credit Issuer Not Entitled to Payment of Surplus Funds Drawn by Beneficiary
Introduction A letter of credit can be an effective device to secure payment of an obligation. A letter of credit beneficiary obtains payment by presenting all of the documents required by the letter of credit to the letter of credit issuer. The independence...
Letter of Credit Issuer Not Entitled to Payment of Surplus Funds Drawn by Beneficiary. (Credit Column)
Introduction A letter of credit can be an effective device to secure payment of an obligation. A letter of credit beneficiary obtains payment by presenting all of the documents required by the letter of credit to the letter of credit issuer. ...
Moving Credit into the Front Office: How Credit Risk Scoring Drives Revenues
BUSINESS CREDIT Selected Topic Introduction Among the myriad of challenges facing credit organizations in 2002 and beyond, one stands above the rest: the seeming conflict passed down from upper management to increase top line revenues, while simultaneously...
Moving Credit into the Front Office: How Credit Risk Scoring Drives Revenues. (Selected Topic)
Introduction Among the myriad of challenges facing credit organizations in 2002 and beyond, one stands above the rest: the seeming conflict passed down from upper management to increase top line revenues, while simultaneously cutting back the available...
Name an Oxymoron: Business Ethics
Okay, so maybe it isn't the best oxymoron, but you have to admit the perception of international business practices is not exactly "Snow White" clean. Additionally, with the multitude of Enron, Tyco and dot-com disappointments over the past few years,...
Name an Oxymoron: Business Ethics. (Selected Topic)
Okay, so maybe it isn't the best oxymoron, but you have to admit the perception of international business practices is not exactly "Snow White" clean. Additionally, with the multitude of Enron, Tyco and dot-corn disappointments over the past few years,...
Payment: Good to the Last Drop!
Communique Preserving lien and bond rights may help protect your company from late payment and nonpayment, so make sure not to waive these rights for unpaid work. Before you start work, ask for as much information as possible that will help you assert...
Payment: Good to the Last Drop! (Communique)
Preserving lien and bond rights may help protect your company from late payment and nonpayment, so make sure not to waive these rights for unpaid work. Before you start work, ask for as much information as possible that will help you assert these rights...
Receivables Management: Moving beyond Transactions
Selected Topic BUSINESS CREDIT Most businesses do not consider themselves lenders. Interestingly, the business of granting extended terms to a customer or supplier is generally not viewed the same as granting credit in the financial services industry....
Receivables Management: Moving beyond Transactions. (Selected Topic)
Most businesses do not consider themselves lenders. Interestingly, the business of granting extended terms to a customer or supplier is generally not viewed the same as granting credit in the financial services industry. The reason? Businesses are...
The Scoop
International Credit Management The international dimension to today's business environment demands a credit professional have superior skills and expansive knowledge to achieve business objectives and prosperity. To their credit expertise, an international...
Unleash Your Team's True Leadership Potential
Credit Column BUSINESS CREDIT What has the strongest impact on your company's success? The economy? The market conditions? Current events? In reality, it's none of those things. Regardless of outside factors, your company will only be as successful as...
Unleash Your Team's True Leadership Potential. (Credit Column)
What has the strongest impact on your company's success? The economy? The market conditions? Current events? In reality, it's none of those things. Regardless of outside factors, your company will only be as successful as you allow your employees to...
We've Only Just Begun
Credit Column BUSINESS CREDIT Not long ago, someone asked me whether I would be happy when my year as Chair was over. So many different thoughts ran through my mind: I thought about all of the goals I had set for the Board to accomplish on behalf of...
We've Only Just Begun. (Credit Column)
Not long ago, someone asked me whether I would be happy when my year as Chair was over. So many different thoughts ran through my mind: I thought about all of the goals I had set for the Board to accomplish on behalf of the membership and about all...
Worldwide Credit Conditions
CREDIT BRIEFINGS CANADIAN RATES. The Bank of Canada kept rates at 2.75% at its January meeting but warned that higher inflation may prompt it to raise rates before June, when most economists expected the bank would act Inflation hit 3.9% in December,...
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