五星酒店标准信贷流程

1/8 POLICY & PROCEDURE 制度与程序 Subject: Credit Policy 主题: 信贷政策 Policy Code 政策号：FD/FC/009 No.Of Pages 页数：8 Issuing Department ：Finance 分发部门：财务部 Concerned Department ：FD/SALES/F&B/FO 有关部门：财务部/ 销售部/ 餐饮部/ 前厅部 Issued on: 发行日期：2009年7 月30日 Revised: 修订日期： Prepared By 起草： Financial Controller 财务总监 Approved By 批准： EAM/in charge of F&B 行政助理经理/分管餐饮 Approved By 批准： Deputy General Manager 副总经理 Approved By 批准： General Manager 总经理 Objective 目的： To define proper evaluation and approval process of new customer accounts or credit limit increases in order to reduce potential 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 evidence that they are committed to satisfy all charges due as requested by the hotel, and who also have been subject to a pre-arranged thorough review of their credit status. 信贷政策只提供给经过酒店批准的客户，他们应该已经提供过相关资料证明他们保证实现酒店所有要求的应付款项，同时，此类客户应接 受事先对其信用情况的相关调查。 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、信贷客户授权在酒店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. 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。 4.The Credit Manager is responsible for the review of the application and investigation of the applicants credit history. All credit applications must be approved by the Financial Controller and the General Manager. 信贷经理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。 Procedure 程序： I - Credit Application procedure 信贷申请程序 1. A company wishing to open a credit facility with the hotel must complete a hotel credit application form (sent by the Sales & Marketing department) stating 希望在酒店开设信贷账户的公司必须完成酒店信贷申请表（由销售市场部派发），说明一下内容： - 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) 2/8 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 Credit Manager must review the application for completeness and accuracy. Missing or erroneous information may result in delays or rejection of the application. Then the Credit Manager will perform a formal check of the solvency of the company, through 收到申请后，信贷经理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。信贷经理还将通过以下 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 - The inquiries made to other hotels in the Accor /Wanda group 询问雅高/万达集团旗下其他酒店 - Detailed results of the inquiries should be attached to the credit application. For company with past relationship with the hotel, any past trouble must be noted such as returned cheques, non-compliance with payment terms, settlement disputes, etc 调查详细结果应附加入信贷申请中。对于与酒店有过往关系的公司，应添加过去交往中发生过的问题信息，例如支票退票、未遵循支付期 限、结算纠纷等等 3. The Credit Manager will review the credit application and the results of the credit investigation to propose the approval or rejection of credit for the customer, and the credit line and terms authorized if approved, in accordance with the hotels credit policies. 信贷经理将审查信贷申请以及资信调查结果，并根据酒店信贷政策确定对客户信贷申请是予以批准还是拒绝；如果通过申请，还需确定其 信用赊账最高金额以及偿还期限符合酒店的信贷政策。 4. The credit application file will then be submitted to the Financial Controller and the General Manager for their final approval before execution. 然后信贷申请档案将被递送至财务总监以及总经理作执行前的最终批准。 5. After completion of the process, the Credit Manager 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 as it is used by the hotel for assessing the total debtor balance and may be revised periodically. 手续完成后，信贷经理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，因为信用限额仅供酒店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。 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 3/8 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，酒店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