Research On The Credit Decision Mechanism And Method Of The Food Enterprises’ Products

Because of the increasingly throat-cutting competition of the seller’s market and theshaping of the buyer’s market, the enterprise’s sale methods are changing, and credit businessbecomes the main way. Many enterprises choose a variety of transactions to maximize itssales in the effective period of food. Credit business has become the optimal choice of theenterprise. Although credit business can create interests, it will adversely affect the creditenterprise, such as accounts may became bad debts due to the irresistible factors, creditenterprise funds can not repay on time as result of fund tension and so on. Therefore, Weshould assess the profits and losses of it, and make the right credit decision.In order to make the right credit decisions and reduce the risk, enterprises must do wellin every stage of the process of credit work, and have to grasp and weigh three problemswhen facing of losing business opportunity: Firstly, they should improve the evaluationcorrectness of the customers by choosing different research methods in the decision time;Secondly, decision makers should understand the meaning of total income rightly. It is theultimate goal of enterprises to increasing the total income, so enterprises grasp therelationship between cash sale and credit sale to increase the income of the two aspects.Thirdly, the opportunities may be lost at any time, so the enterprises must seize the decisiontime precisely. Only in this way, enterprises can get all the credit benefit. It is meaningful forcorporations to research the credit decision mechanism of products of food enterprises.This paper makes best use of the effective data analysis, which is based on the foodenterprises’ products researches. It clarifies the research methods affect customer’s creditdegree assessment. And it illustrates the total income estimation principle and method of cashsale and credit sale. It further clarifies the credit decision mechanism and method of foodenterprises by comparing the total income of different time quantum. If that, the credit salecan truly become the most effective way of sales.