制定信貸政策

決定是否延伸信用賬期的考慮因素

創業時要做的基本决定之一是，你是否要向供應商和消費者提供信貸，這會影響現金流和利潤。

制定信貸政策的因素包含有：

對銷售收入的影響

信用很方便，可能會贏得客戶，但是銷售收入將延遲折扣期或信用期，或者如果客戶延遲付款，可能會延遲更長時間。好處是你可以提高價格。

對銷貨成本的影響

當您發放信貸時，您的業務必須有足够的現金流來補償延遲付款，並且您也會失去您可能從該筆資金中獲得的任何利息收入。

不要低估壞賬的可能性

賒銷有可能產生壞賬，也就是說，作為一個企業主，你的債務永遠不會收回。你必須决定這是否值得潜在的更多客戶和更高的銷售額。

現金折扣誘惑

公司現金折扣通常用2/10淨30的公式表示，如果帳單在10天內支付，則意味著2%的折扣。如果客戶不接受折扣，那麼帳單將在30天內到期。

處理債務

如果你决定提供信貸，你可能需要承擔債務來為你的應收賬款融資，並保持良好的營運資金基礎。對短期借款托收也成為決定提供信貸的成本。

Developing Credit Policy

Considerations in deciding whether to extend the credit period

One of the basic decisions to make when starting a business is whether you want to provide credit to suppliers and consumers, which will affect cash flow and profits.

Credit Policy-making factors include:

Impact on sales revenue

Credit is convenient and may win customers, but sales revenue will delay the discount period or credit period, or if customers delay payment, it may delay longer. The advantage is that you can raise the price.

Impact on the cost of goods sold

When you extend credit, your business must have sufficient cash flow to compensate for delayed payments, and you will lose any interest income you may receive from that fund.

Don't underestimate the possibility of bad debts

Credit sales can lead to bad debts, that is to say, as an entrepreneur, your debt will never be recovered. You have to decide whether it's worth more potential customers and higher sales.

Cash discount temptation

Corporate cash discounts are usually expressed in the formula of 2/10 net 30. If the bill is paid within 10 days, it means a 2% discount. If the customer does not accept the discount, the bill will expire within 30 days.

Handling debts

If you decide to provide credit, you may need to take on debt to finance your accounts receivable and maintain a good working capital base. Collection of short-term loans has also become the cost of determining the availability of credit.