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Is the information sent by the corporate credit manager true?
Enterprise credit refers to the third-party credit reporting agency's evaluation of the credit rating of an enterprise by collecting information of another enterprise and according to the credit rating rules of the credit reporting agency.
It includes selling products on credit to customers with enterprise nature in the credit management of manufacturing enterprises. In the process of selling products on credit, the sellers are usually material suppliers, product manufacturers and wholesalers, and the buyers are the beneficiaries of the products sold on credit. They are customers or agents of various enterprises. The buyer obtains the credit granted by the seller in the name of his own enterprise. Enterprise credit also involves the credit of commercial banks, finance companies and other financial institutions to enterprises, as well as the credit generated by trade methods other than spot remittance payment and prepaid payment.
A bank is also a kind of enterprise, which specializes in credit. Bank credit is the credit given by commercial banks or other financial institutions to enterprises or consumers. In the process of selling products on credit, banks and other financial institutions provide financing support for buyers and help sellers expand sales. Commercial banks and other financial institutions issue credit to enterprises in the form of money, and the determination of loan and repayment methods is based on the credit level of enterprises. Commercial banks will require mortgage or pledge as a guarantee for enterprises that do not meet their credit standards, or guarantee companies will provide guarantees for these enterprises. The latter situation is essentially that the guarantee company provides credit to the enterprises applying for loans, which is a special form of credit. A company's credit can reflect their value. To achieve the purpose of long-term cooperation, credit is advertised as the highest interests of an enterprise and a merchant. If an enterprise loses credit, it will face the test of bankruptcy.
Enterprise credit management is the scientific management of enterprise credit activities and credit decisions. Enterprise credit management in a broad sense refers to the management activities carried out by enterprises in order to obtain or grant credit provided by others. It is an all-round management of the whole process of enterprise credit transaction activities and enterprise credit management behavior, and its main purpose is to develop credit transactions and obtain credit resources services for enterprises.
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