Strategia kredytu kupieckiego przedsiębiorstwa

• Autorzy: Ulrych S.

Warianty tytułu

EN

The strategy of merchant's credit

• Języki publikacji: PL

Abstrakty

EN

In the market economy products made by the companies are bought aud sold in the merchant's credit form. It is very important to norrow (to tighten ) the credit connections between companies which are co - operating with each other. Medium aud small companies giving aud taking credit aud having a very weak financial condition - can be rescued from bankruptcy by that credit. The adjounment of the term of reckoning from the date of receiving the invoice after the performance of buying or selling - in that case the provider gives the credit to the receiver. If the receiver pays immediately after the receiving of documents, then he has a possibility to get a discount. When he pays in the postponed term, he has to make a full pay and looses right to get a discount - these are the costs of merchant's credit. With merchant's credit are connected dues and obligations. Dues are made at a provider of material, produkt or service and are called dues from receivers. Obligations are made at a receiver of material, produkt or service and are called obligations towards providers. There should be a connection kept between dues and obligations in order to keep a financial fluency (availability). The company having a very weak financial availability, low position on the market and having no credit assurance for designation of bank credibity, is not able to get any bank credit. Also the weak credibility makes the companies to use the credit in the typical form. In Polish economy in above 3A companies, merchant's credit is often used and the adjounment of the term of reckoning is a merchant's credit agreement. Besides the typical form of credit there is also unusual form. The company gives the credit in 3 strategies: dynamic, moderate and conservatist, but takes the credit in 2 strategies: negotiation max discounts and max adjounments terms of reckoning.

Słowa kluczowe

PL

kredyt; kredyt kupiecki

EN

credit; merchant's credit

• Wydawca: Wydawnictwo Naukowe Uniwersytetu Szczecińskiego
• Czasopismo: Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
• Rocznik: 2004
• Tom: Nr 43, t. 2
• Strony: 861--873
• Opis fizyczny: bibliogr. 5 poz., tab.

Twórcy

autor

Ulrych S.

• Uniwersytet Szczeciński, Wydział Nauk Ekonomicznych i Zarządzania

Bibliografia

• 1. CZEKAJ J,, DRESLER Z.: ZARZĄDZANIE FINANSAMI PRZEDSIĘBIORSTW, WYDAWNICTWO NAUKOWE PWN, WARSZAWA 2002.
• 2. FEDOROWICZ Z.: FINANSE PRZEDSIĘBIORSTWA, SZKOŁA GŁÓWNA HANDLOWA, POLTEXT, WARSZAWA 1993.
• 3. KRZEMIŃSKA I).: FINANSE PRZEDSIĘBIORSTWA, WYDAWNICTWO WYŻSZEJ SZKOŁY BANKOWEJ, POZNAŃ 2000.
• 4. RUTKOWSKI A.: ZARZĄDZANIE FINANSAMI, POLSKIE WYDAWNICTWO EKONOMICZNE, WARSZAWA 2003.
• 5. SIERPIŃSKA M., WĘDZKI D.: ZARZĄDZANIE PŁYNNOŚCIĄ FINANSOWĄ W PRZEDSIĘBIORSTWIE, WYDAWNICTWO NAUKOWE PWN, WARSZAWA 1997.