مقاله انگلیسی رایگان در مورد اعتبار مشتریان کلیدی کسب و کار – الزویر 2016

1. Introduction

2. Theoretical background and methods

3. Suggestions and discussion

4. Conclusion

Acknowledgements

References

The economic recession brings problems often affecting the existence of enterprises and organizations. The growing problem of increase in the number of claims after maturity affects many enterprises. One of the tools for the management of customer receivables is regular assessment of the credibility of current and potential customers. The subject of the article is the proposal of the methods for assessing the credibility of key customers in the manufacturing enterprise

Introduction

Every enterprise, regardless of the business plan, exposes to different types of risks when doing business, and one of them is the credit risk of customers. “The fundamental for success in this field is an early identification of risk fields and acceptance of appropriate decisions to increase possibility of the success of enterprise.” (Vodak, Soviar, Lendel, 2013). This issue is discussed not only in the environment of the financial institutions, but also in the context of non-financial organizations. If the customers do not fulfil their payment terms agreed in the company contract, these problems pass on the enterprise itself. Undervaluing of the solvency of the customer for verification to obtain their current and future claims many times leads enterprise to unpleasant financial situation. There are currently methods and ways of evaluating the creditworthiness of its business partners, especially in the banking sector, but less in area of enterprises providing other than financial services. „Continuously increasing competition and technical progress has caused that individual trade businesses begin to direct their efforts towards consumers“(Krizanova, Majerova, Kliestik, Majercak, 2013). Also “most leaders of the fastest growing companies consider innovation to be the source of their strongest competitive advantage; more organizations consider it a strategic priority. Due to technological advances, organizations have porous boundaries and collaborate externally to innovate” (Gupta, Agarkhedkar, Sahney, 2015).