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In the last entry I described three trends that I think will shape the future of credit risk management in the company. These were: increasing significance of the prevention, individual approach towards each client, and "multi-roles" which modern Credit Manager will be (or already is) required to assume.

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The Polish Institute of Credit Management (PICM) is an educational and networking platform for Credit Managers in Poland PICM’s goal is to provide valuable knowledge and to create opportunities for exchange of experience for wise management of trade credit risk.

The existence of the central bank and the system of fractional reserve banking permits banks to generate credit out of “thin air.” Let’s say farmer Joe sells his saved 1kg of grains for $100 and then.