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EVALUATION OF CUSTOMER'S CREDITWORTHINESS AS THE INSTRUMENT OF CORPORATE TRADE CREDIT POLICY (Ocena wiarygodnosci kontrahenta jako element polityki kredytowej przedsiebiorstwa)

100%
Wodynska A.
Contemporary Economics
|
2009
|
issue 1(9)
89-103
EN
For many small and medium companies trade credit availability is a factor which determines their existence. Financial meaning of trade credit increases with freedom of its granting or taking. Trade credit is the most convenient way of financing activity, that's why stipulating terms and conditions of its granting to borrowers is a significant element of credit policy. The policy adopted by a company should indicate directions and sales barriers so that the firm can maintain and improve its market position. In order to evaluate customer's creditworthiness, to specify repayment period, credit amount, rate of interest and repayment schedule (installments) it is indispensable to establish an appropriate system. The key to success in granting a trade credit is selection of appropriate business partners. The system of customers verification should give an answer to the question whether the company with which we do business or we intend to do so in the future is creditworthy and the decision about allowing a trade credit should be a result of well thought out credit policy. The author of present article indicates basic methods and tools of contractor creditworthiness evaluation, and she also proposed a payer's creditworthiness evaluation sheet, which can be applied to build such a system.
2

CONVERGENCE OF NON-FINANCIAL COMPANIES’ CAPITAL STRUCTURE IN CENTRAL AND EASTERN EUROPE

63%
Krištofík P., Šlampiaková L., Fendeková J.
Ekonomický časopis (Journal of Economics)
|
2021
|
vol. 69
|
issue 3
237 – 256
EN
This paper explores the convergence of financial systems in selected CEE countries, by examining the typical capital structure, and its convergence, of their non-financial companies. It examines the sigma convergence of ratios of the most important financial liabilities to total financial liabilities. It focusses on those liabilities that constitute a significant part of total liabilities. These are equity and investment fund shares, bank loans, debt securities and trade credit. Using the Eurostat database, there is strong evidence for sigma convergence of equity and bank loans. This confirms the banking sector’s key role in continental Europe. In contrast, debt securities and trade credit show only moderate convergence. The 2008 crisis led to increased variance for debt securities and trade credit.
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