"Know yourself and know yourself, and you will win every battle", and the successful experience in military struggle is also applicable to modern commercial society. After the formation of the buyer's market, due to the limited customer resources, enterprise sales have been transformed into competitive sales, and credit sales have become popular. In this case, it is particularly important for enterprises to know the credit status of customers, partners and competitors to prevent risks, expand transactions, improve profits and reduce losses. Information collection has become an important foundation for the prosperity and stability of credit cooperatives and economy.
Evaluation and credit granting
2. It is an important means for enterprises to control credit risk by evaluating customers' credit and deciding what credit limit and settlement method to give customers. The traditional credit evaluation is based on experience, so it is difficult to ensure the accuracy and scientificity of the evaluation. Scientific credit evaluation should be based on experience and scientific analysis of credit elements. He first asked for a detailed analysis of credit elements, and then integrated the experience of his own enterprise with that of different industries and enterprises, and finally got a unified evaluation standard by comparing weights and quantitative indicators.
3. Protection of creditor's rights
The work of creditor's rights protection mainly includes: credit managers and legal professionals review contract terms and eliminate loopholes that may cause losses; Strictly examine documents and bills to prevent fraud in various settlement methods; Suggestions on creditor's rights protection are put forward, including factoring, credit insurance, forfaiting, bank guarantee, commercial guarantee and personal guarantee to transfer credit risk and reduce credit loss.
4. Account collection
As long as enterprises engage in commercial activities, there may be overdue accounts receivable. Enterprises must carefully analyze the causes of each overdue account receivable, find the best treatment countermeasures, and immediately implement recovery. The most taboo in dealing with overdue accounts receivable is delay. Many accounts that could have been recovered have turned into bad debts over time. Credit is the inevitable product of social and economic development and the most precious intangible asset in market competition. Therefore, the enterprise credit system based on reputation, product quality and service has increasingly become a necessary condition for the survival and development of modern enterprises. American scientist Franklin wrote a sentence in his advice to a young businessman: "Remember, credit is money". Stie Gerriets, the former chief economist of the World Bank, believes that in the operation of market economy, the allocation of resources does not depend entirely on the price factor, and sometimes it depends more on the reputation of enterprises.