{"id":3663,"date":"2017-07-18T12:03:44","date_gmt":"2017-07-18T10:03:44","guid":{"rendered":"https:\/\/www.oikosarea.it\/focus-on\/crms-fp-072015-credit-risk-management-system\/"},"modified":"2022-02-22T10:59:37","modified_gmt":"2022-02-22T09:59:37","slug":"crms-fp-072015-credit-risk-management-system","status":"publish","type":"focus_on","link":"https:\/\/www.oikosarea.it\/en\/focus-on\/crms-fp-072015-credit-risk-management-system\/","title":{"rendered":"CRMS FP 07:2015 &#8211; Credit Risk Management System"},"content":{"rendered":"<p><strong>CRMS FP 07:2015<\/strong> &#8211; Credit Risk Management Systems Requirements is the 1st standard dealing with <strong>Commercial Credit Risk Management.<\/strong><\/p>\n<p style=\"text-align: left;\">It is consistent with the principles of the HLS &#8211; High Level Structure &#8211; developed by ISO for Management Systems standards. It can be <strong>integrated with other Management Systems<\/strong>.<\/p>\n<p style=\"text-align: left;\">References: ISO 9001 \/ ISO 31000 \/ ISO\/IEC 17007 \/ ISO 22301<\/p>\n<p style=\"text-align: left;\">The crisis in the world economy has had a disruptive effect on the credit portfolio of Italian companies, which is increasingly characterised by non-performing loans. The need to finance customers leads to an increase in financial requirements and a growing degree of risk.<\/p>\n<p>On the one hand, the dynamics of receivables at risk suggest prudence and a careful assessment of loans because non-performing loans could increase; on the other hand, the increase in competitive dynamics leads companies to exploit all competitive levers, including customer credit, to consolidate and\/or develop their market presence; this requires the need to structure themselves to adequately manage credit and the risk associated with it.<\/p>\n<p>In addition to its economic value, the granting of credit should also be assessed from a financial point of view, as it reduces the company&#8217;s ability to produce cash flows in its current operations.<\/p>\n<p style=\"text-align: left;\">The dual economic and financial value of trade receivables requires, therefore, to balance the two analysis perspectives, in a trade receivables management process composed of a series of interrelated and harmoniously integrated activities, ranging from the planning phase of credit granting policies to the recovery of non-performing receivables.<\/p>\n<p style=\"text-align: left;\">Credit risk, i.e. the risk of commercial insolvency of customers, is an important variable to manage, even more so in the current crisis context.<\/p>\n<p style=\"text-align: left;\">On <strong>11 April 2016<\/strong>, the <strong>Scheme<\/strong> was approved by <strong>Accredia<\/strong> (MISE). With Accredia&#8217;s recognition, the <strong>CRMS FP 07:2015 Scheme<\/strong> is now in the public domain at national level.<\/p>\n<p style=\"text-align: left;\">Request more information by writing to <a href=\"mailto:info@oikosarea.it\">info@oikosarea.it<\/a><\/p>\n","protected":false},"featured_media":0,"parent":0,"template":"","meta":[],"categories":[151],"class_list":["post-3663","focus_on","type-focus_on","status-publish","hentry","category-focus-on"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CRMS FP 07:2015 - Credit Risk Management System &#8226; Oikos Area<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oikosarea.it\/en\/focus-on\/crms-fp-072015-credit-risk-management-system\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CRMS FP 07:2015 - Credit Risk Management System &#8226; Oikos Area\" \/>\n<meta property=\"og:description\" content=\"CRMS FP 07:2015 &#8211; Credit Risk Management Systems Requirements is the 1st standard dealing with Commercial Credit Risk Management. 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