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Credit sale is a way for enterprises tohire purchase、Deferred paymentIt is a credit transaction mode to sell goods or services to units or individuals in a market economyCommercial creditThe basic form of sales is the direct credit between producers, operators and consumers.
It is reported that, in fact, credit sales of domestic enterprises are very common, such as installment payment and credit sales, but lack of government guidance and support.In developed markets abroad,Credit guaranteeThe system is very sound, and the use of credit services is very common, almost nonecashTransactions.
The official said: "The big credit environment is not good, especially for enterprisesCredit transactionThe environment is too poor, enterprises have many bad debts, and trading partners distrust each other. "Secondly, China lacks institutional arrangements for credit sales and credit risk sharing mechanisms, and there is no set of mature commercial or social institutional arrangements to effectively reduce, prevent and share the risk of credit sales. Enterprises fear too much risk and dare not carry out credit sales.
Undoubtedly, credit sales is the general direction of the development of Chinese enterprises, which is "very basic and promising".China's creditSales riskThe sharing mechanism has taken shape.Since 2003, Ping An Insurance, Export&Credit Insurance, PICC P&C and Asia America P&C have successively exploredDomestic tradeCredit insurance business, but withexport credit insurance Compared with that, it is not mature, and few enterprises purchase insurance types.Credit guaranteeThe agency has also made an attempt in credit sales. AIG Group of the United States, Shenzhen Home Credit Guarantee Company and others have launched installment payment guarantee services in Nanjing, Shenzhen, Dalian and other places.
Previously, the Ministry of Commerce's credit construction was mostly at the stage of publicity and education, such as "there are no fake goods in all stores in one hundred cities", "integrity promotes business month", etceconomic activityClosely combined, directly linked to the interests of enterprises, will encourage enterprises to establish credit risk management awareness, promote enterprises to improve their own credit management levelRelated partiesEstablish a good credit information exchange mechanism.
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"From commodity to currency is a breathtaking leap to realize value." Sales is the key link for enterprises to realize value. Whether enterprises can survive or not, the quality of sales is often the most important determinant.Under the pressure of market competition, the sales department of an enterprise often occupies a pivotal position and has a strong position and voice within the enterprise.
However, since the sales department and risk management department often deal with problems from their own positions, contradictions are inevitable.What is the focus of the contradiction?
There is such a case: an enterprise in the chemical industry, the competition in the industry is fierce, and various manufacturers have lowered the threshold in order to compete for customers.Because of the pressure of competition, the sales department constantly exerted pressure to lower the threshold of credit sales and enlarge the limit and account period, while the risk management department insisted on not lowering the access standard, and the two sides could not argue.
First, what is "sales confirmation".According to the normal sales logic, the sales cycle will be completed when the goods are delivered, the payment is received, and the financial department performs "sales confirmation".If an enterprise uses credit sales, it usually gives customers a certain accounting period and credit limit, and then confirmation of "sales realization" usually waits until a complete credit sales cycle is completed, such as giving customers a 30 day accounting period and a credit limit of 200000 yuan, and then customer repayment before the deadline of the accounting period can be counted as "sales confirmation".
From this, it can be concluded that the focus of the contradiction between the two sides is the question of what kind of sales method to adopt.If the threshold of credit access is arbitrarily lowered, the company's products will be distributed in large quantities in the short term, and the pressure on the sales department will be reduced.However, please note that the distribution of goods does not realize real sales. Because it is a credit sale, the payment has not arrived at this time, but from the perspective of the sales department, the goods have been delivered. If the assessment indicators are determined to be loose, the sales task can be completed. However, with the arrival of the credit period, low-quality customers will emerge, "When the tide recedes, we will know who is not wearing clothes."This is the time when the company faces the biggest problem.
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Develop credit sales between enterprises and consumers.At the bankconsumption creditOn the basis of, encourage large retail enterprises to directly carry out credit sales to consumers, encourage retail enterprises and commercial banksCredit guaranteeThe company cooperates to carry out various credit sales business and expandSpot consumption。
Developing credit sales will help expand domestic demand and stimulate consumption growth;Helps to accelerate capital turnover and improve the economyoperating efficiency ；It helps to enrich financing channels and promotebank creditandCommercial creditCoordinate development and ease the financing difficulties of small and medium-sized enterprises;Help optimize the market credit environment and improveSocial credit system。
