Rola działu windykacji w procesie wspomagania zarządzania ryzykiem kredytu kupieckiego w przedsiębiorstwie

Abstract

The main purpose of this article is to show the role of the Collection Department in supportingthe credit risk management in an  enterprise. Risk management policies may vary depending on a  company, however there is a range of activities that can limit the risk. The author of the article has described the phases of the  management process and the activities that support it such as: the  need for verification of  the financial reliability of the current and future contractor, proper trade contract concluding, the application of collateral, rapid response in the event of non-payment. The importance of  using the age structure of the receivables has been indicated in the aspect of their monitoring  as well as  the system of delivery block for goods  in terms of  controlling credit risk.The results of the  research, conducted by the author in 2010, on the factors influencing the effectiveness of debt collection have been used in the article.  

Keywords

• credit risk management
• verification of the contactor
• monitoring of receivables