首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
考研
Often referred to as "the heart of a factoring organization, "the credit department is responsible for granting credit to client
Often referred to as "the heart of a factoring organization, "the credit department is responsible for granting credit to client
admin
2016-03-22
67
问题
Often referred to as "the heart of a factoring organization, "the credit department is responsible for granting credit to clients’ customers and for collecting the accounts receivable purchased through the factor.【F1】
When factored clients submit customer orders for credit approval, the credit department analyzes the financial condition and credit worthiness of the customer, then makes a decision to approve or decline the order.
The department must then monitor the condition of approved customers and collect all due receivables. Careful credit checking and effective collection procedures in this department can greatly reduce the risks inherent in factoring.
As the head of the credit department, the credit manager is responsible for seeing that the department operates effectively.【F2】
He must develop the factor’s credit policies in consultation with senior factoring associates, and he is in overall command of everything from credit and collections to bankruptcy and liquidations.
If only the factor is a commercial bank division, the credit manager is a bank vice president, and credit policy must also be approved through top management of the bank.
【F3】
Assisting the credit manager may be several supervisors who have credit responsibilities of their own and who also oversee the analysis and approval of customer orders through the credit specialists.
Credit supervisors typically spend about eighty percent of their time handling large customer orders. If only a customer order exceeds a supervisor’s credit authority, he is responsible for making recommendations to the credit manager. A supervisor also reviews a subordinate’s credit decision if only the subordinate is unsure of the extent of the credit risk or if only a client questions a particular credit decision. In extremely large credit exposures, supervisor’s bear the responsibility for analyzing the credit position of the customers and deciding on credit limits. To do this, they must regularly obtain current data from various credit information sources. They must also have extensive contact with each customer to determine operational performance and progress. Frequently, supervisors are called upon to give advice on what should be done to improve a company’s financial condition.【F4】
Meeting all these responsibilities requires that each supervisor continuously observe and study the industries with which he is concerned, so that he is capable of anticipating market changes which may affect his accounts.
【F5】
A supervisor’s major challenge is to maintain a fine balance between the demands of clients that all their customer orders be approved and the questionable financial position of some of the customers.
In reviewing any credit decision, a supervisor must be capable of weighing a variety of elements, including the possibility of losing the client, the customer’ s credit position, and the extent of any possible loss.
【F1】
选项
答案
当进行代理融资的客户提出对其消费定单提供信贷批准时,信贷部门要对消费者的财务状况和信贷价值进行分析,然后决定接受或者拒绝这一要求。
解析
转载请注明原文地址:https://kaotiyun.com/show/2OsZ777K
0
考研英语一
相关试题推荐
Customhasnotcommonlybeenregardedasasubjectofanygreatmoment.Theinnerworkingsofourbrainswefeeltobeuniquely
Newscientificstudiesrevealthehiddencostsofmultitaskingastechnologyincreasinglytemptspeopletodomorethanonethin
Newscientificstudiesrevealthehiddencostsofmultitaskingastechnologyincreasinglytemptspeopletodomorethanonethin
TheMostNobleOrderoftheGarterisanEnglishorderofchivalrywithahistorystretchingbacktomedievaltimes;todayitis
OnProtectingOurForests关于保护森林Writeanessayof160-200wordsbasedonthedrawing.Inyouressay,youshould1)describethe
OnCustomerService关于客服Writeanessayof160-200wordsbasedonthedrawing.Inyouressay,youshould1)describethedrawing
Whatmakesagreathighschool?Americansthinkalotofthingsdo,fromoutstandingacademicsorasupportiveenvironmentfors
Dieting,accordingtoanoldjoke,maynotactuallymakeyoulivelonger,butitsurefeelsthatway.Nevertheless,evidencehas
Intheiridlemoments,historiansoccasionallyspeculateonhowtheworldwouldbedifferentifAdolfHitlerhadpassedtheentr
Therigidhigher-educationbusinessisabouttoexperienceawelcomeearthquake.Traditionaluniversitiesnowfaceanew【C1】____
随机试题
简述第二次科技革命的主要内容及其影响。(南京大学2005年世界史真题;四川大学2005年世界近现代史真题)
轮廓;纲要n.o______
Excel2010中,工作表是一个________。
下列不符合大叶性肺炎的描述是
乳果糖治疗肝性脑病的机制是( )。支链氨基酸治疗肝性脑病的机制是( )。
A、荆芥B、防风C、羌活D、白芷E、细辛具有“祛风发表,透疹止痒,炒炭止血”功效的药物是()
某甲针织厂进行了一系列的不正当竞争行为,而这些不正当竞争行为给被侵害的某乙针织厂造成了损失,但是由于市场的变幻莫测,所遭受的损失难以计算,被侵害人某乙针织厂可以请求的赔偿额为()。
根据证券投资基金法律制度的规定,下列选项中,属于开放式证券投资基金的基金份额持有人享有的权利有()。
把道德说成圣人立法,在很大程度上背离了道德。正如恩格斯所说的“没有爱情的婚姻是不道德的”中的不道德,恰恰是封建伦理中极力宣扬的“道德”。而这种所谓道德的阶级性,这种成为意识形态的道德,只不过是伪道德,并不能证明道德在不同的阶级那里有不同的性质。从以上
Althoughhehasnoeducation,heisoneofthe______businessmeninthecompany.
最新回复
(
0
)