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. 107, No. 9, October

A Double-Edged Sword
Complying With Sarbanes-Oxley While Maintaining Efficient Trade SpendingTrade management efficiency has remained a crucial marketing and sales issue for both retailers and consumer goods manufacturers. "Industry statistics show that $75 billion is spent...
American Check Management's Check Guarantee Service
Never worry about NSF checks again. Checks pre-approved by ACM always get paid!Getting paid by checks is the most common form of payment for many businesses, so the specter of lost time and money that results from returned checks can be a major headache...
Background and Credit Checks Are A Goldmine of Information
In this day and age, it may be prudent to glean whatever information we can about a potential employee or business partner. Credit and background checks can provide a wealth of information, from how a person handles their finances to criminal records....
CAFTA-DR: A Level Playing Field for All, or Stacked Deck for a Few?
In the atmosphere of a sharply divided debate, the U.S. House of Representatives approved the Central American Free Trade Agreement (CAFTA-DR) around midnight July 27 by a razor thin margin of 217-215, after some last-minute vote switching. The U.S....
Calendar
OCTOBEROctober 3, 2005Teleconference: Utilizing Financial Statement Analysis to Document a Credit Line RecommendationPresenter: George Schnupp, CCEFor more information, please contact the NACM Meetings Dept. at 410.740.5560.October 16-18, 2005119th International...
Creditors Should "Take Notice" of One Important Bankruptcy Change
No one in the credit world is surprised to hear that changes are underway in bankruptcy cases filed on and after October 17, 2005. That is the date that the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ("BAPCPA") comes fully online....
Data Breaches: Turn Back the Tide
An Information-Security Best Practices Primer To Minimize The Risks Posed To Business And Customer InformationDespite the hundreds of millions of dollars that organizations have invested in information security technology to secure their critical business-technology...
Frontpage
Guidance On Mitigating Risks From SpywareThe FDIC has issued guidance to financial institutions recommending an effective spyware prevention and detection program based on an institution's risk profile. The guidance discusses risks associated with spyware...
Heads Up: Changes Ahead for Preference Cases
Starting with cases filed on October 17, 2005, there is hope that unsecured creditors will be Less Likely to be sued to return supposed preferential payments, or at least may be able to keep more of the total payment received from a debtor within 90...
Hot Spots: China
When Beijing announced on JuLy 21 that it had severed the yuan's long-standing direct Link with the U.S. doLlar and would allow the currency to respond more readily to market forces, many observers rushed to the conclusion that the 2.1% revaluation of...
Leveraging Data and Resources for Improved Financial Performance
While the financial enterprise consists of many different components, a company's capacity to apply a holistic approach to the entire operation with integrated processes and resources can greatly impact cash flow, operating margins, revenue leakage...
Outsourcing in Financial Services
Executive SummaryFinancial services businesses throughout the world are increasingly using third parties to carry out activities that the businesses themselves would normally have undertaken. Industry research and surveys by regulators show financial...
Predicting the Future: Turning Your Portfolio into A Crystal Ball
Oh, the promise of technology: the glorious hope of greater efficiencies, lower costs and increased profits. Buy the latest, greatest new software and you'll make better decisions. Automate the entire credit department and you'll spend your days playing...
Prevent What You Can, Manage What You Can't: The Role of Technology in Deductions and Dispute Management
The Holy Grail of accounts receivable (A/R) is generating the perfect invoice. It's an impossible goal in the absolute sense, but a good standard to aspire to. After all, many deductions and disputes that occupy the bulk of collectors' time arise from...
Real Estate Material and Services Suppliers, Rejoice!
Recent Favorable Court Decisions Upholding Protection From Preference RiskConsider the following scenario: You are a supplier of goods and/or services for the construction or improvement of real property. The general contractor or subcontractor with...
Real Estate Material and Services Suppliers, Rejoice! Recent Favorable Court Decisions Upholding Protection from Preference Risk
Consider the following scenario: You are a supplier of goods and/or services for the construction or improvement of real property. The general contractor or subcontractor with whom you had been dealing files for bankruptcy. You had received payments...
Receivables and Collection Management Automation: Trends and Selection Considerations
During the boom times of the 1990s, if you could make the sale, you could probably count on collecting on the deal as well. With the recessionary climate that accompanied the new millennium, and the resulting return to reality, risk management in the...
Strength in Knowledge
We are in the second year of the celebration of the bicentennial of Lewis and dark's expedition. Why the second year? Because it took 863 days for them to lead their incredibly diverse team 8,000 miles across unknown territory, towards a previously unproven...
Technology-A Pervasive and Growing Presence in Business Credit
The technological capabilities offered by computers, software and the Internet have become indispensable in the performing of most business processes, including those in the credit department. Through the use of computers and software, Credit Managers...
The Future Is Not What It Used to Be
I don't claim to be a futurist, but I feel my predictions, presented below, have a better than 50-50 chance of occurring in the next three to five years:Firms will create separate entities for their audit/review practices to limit risk exposure and improve...
The Mobile E-Mail Phenomenon
The use of mobile devices by business users has spread so fast over the past few years that it is notable for those that haven't adopted the technology to understand the market drivers behind the mobile e-mail phenomenon.An intriguing research report...
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