Why must the irreparable, only to find agents in a serious debt problem? Why does the dealer seemingly brilliant sales performance while moving, not a sober assessment of what the future may arise debt crisis? Why not all agents to carry out the long-term standard, professional debt management practices training? Why did not the market share of specialized research institutions, correlation risk and debt sales target?

Year-end ceramic machinery manufacturers have serious problems to claims agents to clean house, and some terminate the agency relationship, some of the agents filed a lawsuit, some directly on the seizure of frozen assets such as office agents, and Shareholders agents, the actual control conducted litigation preservation, the two sides at loggerheads, smoke.

Agents in the face of debt dilemma, why always blame the manufacturers? Why will most blamed the manufacturer's connivance and agitation? Back and think about it, whether as a manufacturer should be in the debt crisis, we summarize some of what? In Andersen TM in several debt management programs and services, feel manufacturer currently on credit risk control, evident in the following four questions:

First, due to the lack of regular or debt management agency irregular situation assessment, credit risk is not possible to predict in advance, leading ultimately to loss of control.

Based on our discovery in Shanxi, Beijing, Jiangxi, Shandong and other places of special services, the manufacturer claims management agents grasp very untimely, inaccurate, incomplete and extremely easy to produce a large debt crisis.

Manufacturer debt risk control department information agents mastery and control monitoring capability is insufficient, the blind pursuit of market and sales, there is no parallel in the claims process and the monitoring system and the system to adapt to the market. We recommend that a third party should be assigned by the manufacturer claims professional organizations coordinated internal risk control departments should be regular or irregular in depth each agency to conduct a comprehensive professional assessment of the state debt management, debt management agencies to set up and funded status of people, debt management system process design, statistics and use of credit monitoring and collection, two agents (subordinate agents or distributors, retail outlets) management, used car (creditor vehicle) redemption and sales, legal disposal and debt management agency comprehensive level, all kinds of potential risks and so on, to conduct a complete professional, careful and objective assessment, and the assessment of third-party agencies to give the adjustment on the basis of the amendments.

Manufacturers should debt management agency will assess debt management as an important risk control measures, implementation of normalization.

Second, manufacturers agents serious debt problems reflect slow, there is no system of "post-credit project management" planning and operation, while the lack of a "debt" in the form of consolidation agent concept.

Without any system of legal risk, market risk assessment, brutally simple legal proceedings, to freeze the seizure of property related to agents guarantor, no doubt Banded.

In addition to the serious debt problems outside agents reflect slow in dealing with bilateral relations, the lack of systematic "after claims of project management," the disposal, can easily lead to both sides bloodiest, further losses to the already serious the situation worse.

As the previous article talked, we advocate the "post-credit project management" principles are: clearly defined as legal affairs, rather than the marketing behavior; prior assessment, fiction programs; integrated propulsion, professional collaboration; and agents bundling process, from start to finish.

Meanwhile, under the conditions permit conditions, the "debt" integration agents, agents regulate internal governance, and gradually form a pattern of integrated production and marketing.

Third, manufacturers should vigorously assist the agents to optimize and carding debt management system

Manufacturers should stand on a higher point of view farther, to improve debt management to give the agents the greatest help and guidance. Such assistance not only focus on several training classes, exchange forums, and should be combined with various agents on the characteristics of the manufacturers policy tailored to different optimization carding program.

We have always believed that the Tigers have both debt management strategic thinking, but also has a fine substantive operational requirements. Fine requirements here, including "What hills, what songs" localization rules require, is the need to set their own corporate culture to adapt to each agency debt management system.

Corporate culture is a soft power, is invisible forces affect business operations, such as a debt management system, a huge ceramic machinery, can never be a universal solution. Our proposal is based on the characteristics of each company's corporate culture tailored to optimize the carding process in the system on the basis of the original, while implementing and "Daxin trial" principle our "loose sales, tight monitoring" for the agency to achieve a stable long-term mechanism scheme.

Fourth, the manufacturer of the practical training of a serious shortage of debt management

Liquidity management is very frequent claims, the overall quality of staff uneven, relying solely on agent's own training environment, it is difficult to ensure the maintenance of a debt management team has a certain level. Especially for middle-level system, the backbone of staff, professional training, agents are more difficult to self-fulfillment. Moreover Most debt management agency itself is fairly low stage, it is to highlight the urgency for staff training.

Relatively speaking, the manufacturer may entrust a professional third parties, to take focus, combined with the dispersed phase approach to training, unified for the agents be high, professional training courses, low levels of debt management, and the formation of long-term skills training and professional development plan to solve the debt management agency staff development issue fundamentally.

In short, ceramic machinery manufacturers anyway debt management agency can not do the walk away treasurer, should timely grasp of the debt management situation by evaluating third-party organizations, and to predict well in advance; when measures must be taken, should be decisive use of "post-debt Project management "rule, effective treatment; and in order to improve debt management agency fundamentally, should be vigorously assist in providing localization debt management optimization comb, while giving a long-term multi-level professional and technical training. Only in this way can the credit risk of the brand within the control system to achieve "accurate, efficient, and powerful."