2024年2月19日发(作者：)
CREDIT POLICY & PROCEDURE
信贷制度与程序
Subject: Credit Policy
主题: 信贷政策
Issuing Department：Finance
分发部门：财务部
Issue Date:
发行日期：
Prepared By 起草：
Financial Controller
财务总监
Policy Code No. of Pages
政策号： 页数：6
Concerned Department：Finance Dept./SALES Dept.
有关部门：财务部 / 销售部
Revision Date:
修订日期：30 April 2013
Acknowledge By 核准： Approved By 批准：
General Manager Managing Director
总经理 董事長
Objective 目的：
To define proper evaluation and approval process of new customer accounts or credit limit increases in order to reduce
potential account receivable collection problems.
为新客户账目或信用限额上调制定合适的评估和许可程序，减少潜在的收款问题。
Policy 政策：
1. Credit should only be extended to customers who have provided their company information such as Business Registration
Document∕Bank Account Information∕China Tax Registration Document etc to Hong Kong Hung Shang Electric
Limited for evaluation, and who also have been subject to a pre-arranged thorough review of their credit status.
信贷政策只會提供给经过香港鴻昇電子器材有限公司批准及評審的客户、 客戶需要提供公司相关资料例如公司註冊證明∕銀行資料∕纳稅註冊證明等等至本公司作相关信用调查及評審。
2. The credit application must be formalized, stating maximum credit amounts, payment terms and methods, people
authorized to make bookings on behalf of the debtors, etc… All credit applications should be renewed every year.
信贷申请必须以正式形式予以完成，规定最大信用金额、支付期限及方式、信贷客户授权在本公司做预订的代表人等等……每年需对所有信贷申请进行重新审阅。
3. The credit application must be prepared and submitted by Sales Engineer with the approval by the Sales Team Leader /
District Sales Manager before further submission to Financial Controller.
信贷申请必须由业务工程師塡寫、所有申請内容必须要先得到业务區域經理的批準才可遞交至财务总监作處理。
4. An up-to-date authorized debtors listing must be maintained, stating the credit limit and terms available to each debtor.
应保存一份最新更新的已获批准的信贷账户的名单，列明所有客户的信用限额以及适用的条款。
5. The Financial Controller is responsible for the review of the application and investigation of the applicant’s credit
history. All credit applications must be approved by the Financial Controller and the General Manager.
财务总监负责检查信贷申请以及调查申请人的信用记录。所有信贷申请必须由财务总监及总经理批准。
1/6
CREDIT POLICY & PROCEDURE
信贷制度与程序
Procedure 程序：
I - Credit Application Procedure信贷申请程序
1. A company wishing to open a credit facility with Hong Kong Hung Shang Electric Limited must complete a credit
application form sent by the Sales & Marketing Department.
希望在香港鴻昇電子器材有限公司开设信贷账户的公司必须完成由销售及市场部派发的信贷申请表，说明以下内容：
- The company details (Name, address, corporate name, etc…)
公司详细信息（姓名、地址、公司名等等）
- The list of persons authorized to make bookings on behalf of the company (Name, position, specimen of signature)
公司授权预订代表人名单（姓名、职位、签字样本）
- The credit references
资信参考
- The invoicing details (Billing address, contact person, etc…)
结算方式（发票送达的地址、联系人等等）
2. Once received the application from Sales & Marketing Department, the Financial Controller must review the application
for completeness and accuracy. Missing or erroneous information may result in delays or rejection of the application.
Then the Financial Controller will perform below check of the solvency of the company if necessary :
收到销售及市场部的申请后，财务总监必须审查申请表的完整性和准确性。遗漏或提供错误信息的申请将被延迟批准或不获批准。如有需要财务总监还将通过以下途径对公司偿付能力执行正式调查：
- The use of independent credit investigation agencies or investigative services on internet
通过独立的资信调查社或网上调查机构
- The investigation of the credit references given by the applicants
对申请人提供的资信参考进行调查
3. The Financial Controller will review the credit application and the results of the credit investigation to propose the
approval or rejection of credit for the customer.
财务总监将审查信贷申请以及资信调查结果，并根据本公司信贷政策确定对客户信贷申请是予以批准还是拒绝。
4. The credit application file will then be submitted to General Manager for their final approval before execution.
然后信贷申请档案将被递送至总经理作执行前的最终批准。
5. After completion of the process, the Financial Controller will send an official letter to the applicant to inform him of the
result of the process. When the credit application has been approved, the granted payment term only should be mentioned
to the debtor. The credit limit should not be disclosed and may be revised periodically.
手续完成后，财务总监将向申请人递送正式信函，通知其结果。信贷申请通过批准后，只可将授予的支付期限向该客户透露。信用限额不得披露，因为信用限额仅供本公司用于评估债务人的信贷余额，并有可能定期进行调整。
6. Approved credit application should then be filed per alphabetical order in the credit department.
通过批准的信贷申请将按照字母顺序在信贷部进行归档。
2/6
CREDIT POLICY & PROCEDURE
信贷制度与程序
II-- Credit Application Maintenance信贷申请的管理
1. A credit file for each debtor account, containing the authorized credit application with all supporting solvency check
documents attached, is maintained at the credit department. In addition, a summary list of all companies with authorized
credit application should be maintained for easy reference, listed by sub-category and stating
每个挂账人的信贷资料中包括已授权的信贷申请以及所有证明偿付能力的调查文件将被保存在信贷部。此外，本公司应准备一份已获批准的信贷申请的公司清单，以便参考。该公司清单按照各子目录进行排列，说明
- A/R code - 应收账代码
- Company name - 公司名称
- Date of approval of the credit application - 信贷申请批准日期
- Credit limit and term granted - 信用限额以及授权挂账期限
- Invoicing term - 结算条款
2. The credit application must be renewed once a year, ensuring there is no change in the company status and that the
persons authorized to make bookings on behalf of the company are still valid.
信贷申请必须每年更新一次，以确保公司状况是否有变更以及保证公司授权预订人的有效性。
3. The credit limit must be reviewed regularly by us to ensure the current validity of the limit granted. Any company in
over-credit limit / late payment situations for 2 or more consecutive periods should be analyzed during credit meeting.
本公司管理层必须定期审查信用限额，确保当前授权限额的效力。连续两期或以上超过信用限额∕遅交付款的公司应在信贷会议上予以分析。
4. Companies seeking credit facilities shall be classified in below categories :
Category Payment Pattern
A COD
B 30 to 60 Days
C 61 to 90 Days
D > 90 Days
Two reasons may explain why a company is over credit limit:
如下两个原因可能会导致客户超过信用限额限制：
- The volume of business (Peak Season / Upside) generated by the company over the period is more than the credit limit. In
that case, the credit limit should be increased accordingly
该公司业务量在此期间超过了信用限额。这种情况，信用限额应相应放宽。
- The company is experiencing difficulty with payment. In that case, option of removing credit authorization temporarily or
permanently must be discussed.
该公司面临支付困境。在这种情况下，应讨论是否暂时或永久性撤销信用授权。
5. Any changes in the credit limit must be formalized with a new credit authorization form being approved by Financial
Controller and General Manager and subsequently attached with the debtor credit application.
信用限额的变更必须通过书面的形式完成，应由财务总监及总经理批准一份新的信贷授权，并附上客户的信贷申请。
6. The Financial Controller is responsible for performing regular checks to ensure the filing is properly and accurately
maintained.
财务总监有责任执行日常核查工作，确保归档工作正确、准确进行。
3/6
CREDIT POLICY & PROCEDURE
信贷制度与程序
III- For Customer Use
信贷申请表格
CREDIT APPLICATION FORM
NOTE: It is important that this form is completed in full. Insufficient information may result in unnecessary delay in processing your application. All terms
and conditions over leaf are deemed to be part(s) of this application and have been read, understood and accepted by you in total at time of your application
for credit facilities.
注：本表应填写完整。信息不足将可能引起申请处理延迟等情况。页码所有条款都是本申请的完整组成部分。在您申请本公司信用服务过程中，特设定您已经认真阅读并理解接受这些条款约束。
Name of Company or Firm: Nature of Business:
公司／商号名称 业务性质：
Address in English: Tel电话：
中文地址：
Fax.传真：
Type of Company : PRIVATE / PUBLIC LTD / SOLE PROPRIETOR / PARTNERSHIP
(Delete where not applicable)
公司类别：私有 / 股份有限公司 / 独资 / 合资（划去不符选项）
Authorized Capital : Paid-Up Capital :
注册资金： 实缴资本：
Credit Limit (K) Currency Payment Term Days
申請信用額 (千) 幣別 信用條件 日
15 / 30 / 45
60 / 75 / 90
Location of Registration 公司註冊地方
No. of Employees :
员工人数：
Major Products
主要採購產品
PARTICULARS OF PERSONS AUTHORIZED TO MAKE BOOKINGS, PULL IN AND PULL OUT INSTRUCTIONS.
代表貴司进行业务安排、下达下單及改期指令的授权人员详细资料：
Priority Name in Designation Contact Number
次序 BLOCK CAPITAL全名 职位 聯絡號碼
1
2
3
4
Signature
签名
NOTE: Please notify us if there are changes or amendments to the above authorized signatories. If written notification is not received, the above signatories
will still be valid and the company is still liable or all changes incurred thereafter.
注：如上述授权签名人发生变更或改动情况，请告知本公司。如未收到相关书面通知，上述签名人仍被视为有效执行人，并且公司承担此变更引发的所有责任。
The undersigned (an authorized signature) hereby requests that a corporate account be opened at our company. In connection with the above particulars, the
undersigned authorizes the receipt and exchange of credit information. The company will be liable for all charges incurred at Hong Kong Hung Shang Electric
Limited, by the company’s guests unless otherwise instructed in writing. The company will be bound by the terms and conditions contained over leaf upon
approval of the application for credit facilities at Hong Kong Hung Shang Electric Limited.
签署人（授权签署）需要在本公司内开设信用账户。根据上述信息，签署人批准信用信息的获取和交流。对于貴司在香港鴻昇電子器材有限公司内引发的所有訂單由貴司承担。获得本公司信贷申请批准后，貴司即接受页码所有条款约束。
4/6
CREDIT POLICY & PROCEDURE
信贷制度与程序
CREDIT FACILITIES – TERMS AND CONDITIONS
信用服务 —— 各项条款
1. These terms and conditions are deemed to be part(s) of the application for credit facilities at
OURS COMPANY.
此处各项条款均视为本公司信用服务申请构成部分。
2. Granting of credit facilities shall be at the sole discretion of
OURS COMPANY.
由本本公司对信用服务批准工作做出独家裁定。
3. All charges incurred by the company shall be billed to its business address and settlement of outstanding shall be payable within the credit term upon
presentation of the bills.
貴司的所有花销账单递送至其公司住址，同时余额结算应在收到票据后于信用期限内完成。
4. The amount of each bill should be paid excluding of any bank charges and in the currency of the bill.
账单金额支付不包括银行费用，应按照账单货币予以支付。
5. The company must inform
OURS COMPANY
if there are any changes / amendments to the authorized signatories or any other related matters. Prior to
the receipt of written notification the company will still be liable for any charges incurred thereafter.
如授权签名人或其他相关事宜发生变更/改动情况，貴司应将其告知本公司。在收到书面通知前，貴司依然负责承担所有期间发生的账单付款。
6. This credit facility is not transferable to other companies, sister companies or associates companies of the approved company.
信用服务不可转让给其他公司、获得批准公司的姐妹公司或关联公司。
7. For all credit balances which are not cleared within the credit term after receiving the bill, 2 (two) percent interest per month will be applied and
reservation will be treated on cash basis.
对于收到账单后未在信用期限内清算的信用余额，按照2%月息支付利息，且预订服务需要用现金进行支付。
8. OURS COMPANY reserves the right to withdraw, suspend or increase the credit facilities at any time. Such notification shall be made in writing to the
company informing them of OURS COMPANY’s decision without having to assign any reason whatsoever.
本公司保留随时撤销、延期或增加信用服务的权力。对于本公司此类决定，本公司将以书面通知形式告知貴司，但无需给出任何理由。
9. The company undertakes to reimburse and to indemnify OURS COMPANY for all expenses and damages that have resulted directly or indirectly from
the negligence and/or malicious actions of the company and/or his guests.
因貴司和/或其客户无意和/或过失行为直接或间接引发的本公司方任何开销及损失由貴司承担偿还和赔偿。
10. This present form is valid until
DATE.
本表格在所署“日期”前有效。
11. In order for this credit facility to be valid, please return this completed application by facsimile or email, and we shall reply to your application as soon
as possible.
为保证信用服务效力，请在完成本申请表后通过传真或电邮方式返回一份本申请。同时，我们将尽快对您的申请要求给与答复。
SIGNATURE 签名公司印章：
Please enclose a copy of Business Registration Certification
* 请提供一份企业的营业执照复印件。
Name 姓名：
CONTACT PERSON RESPONSIBLE FOR THE PAYMENT
款项支付联系人
Name姓名：
Tel电话：
COMPANY STAMP 公司印章 :
Designation 职位：
E-mail Address电子邮件地址：
Designation 职位：
Fax.传真：
Signature 签名：
Mailing Address 邮政地址：
5/6
CREDIT POLICY & PROCEDURE
信贷制度与程序
For Internal Use Only
Date of Application 申請日期
Customer Code 客戶代碼
Name of Company公司／商号名称：
Name of Applicant申請人：(Sales Engineer)
Reason申請原因
Current Delivery Term 現行發貨方式
EXW / FCA / FOB ___ / DDP ___ / CIF ___
Applied Credit Limited申請信用額：
Applied by 申請人: (Sales Engineer)
Customer Type客户類別
Current Business History
與公司目前生意次數
Customer Segment客户行業
Major Competitors 主要競爭對手
Customer Rating (by Sales/Leader/DSM) 客戶自我評分
Excellent / Good / Fair / Poor / Worst
Applied Payment Term申請信用條件及日數
Verified by核验人: (Leader or DSM)
Financial Controller: Comment
财务总监： Approved / Disapproved
同意/不同意
General Manager: Comment
总经理： Approved / Disapproved
同意/不同意
Managing Director Comment
董事長 Approved / Disapproved
同意/不同意
Final Approved Credit Limited最後審批信用額： Final Approved Payment Term最後審批信用條件及日數
6/6
发布评论