Mercantile Credits

Mercantile Credits

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Excerpt from Mercantile Credits: A Practical Study of the Credit Man's Work

The purpose of this book is to serve as a means for a more careful study of some of the problems involved in the granting of mercantile credits, and of the principles to be applied in the solution of those problems. In addition to giving this direct assistance, it is hoped that the book will stimulate and encourage a more careful study of the credit question in general.

Now, as in the past, men come into the credit field without previous preparation and learn mostly by experience. Their entrance into this line of work is generally the result of fortuitous circumstances rather than of any purposeful plan. The author himself became a credit man in this haphazard way, passing on credits having been simply added in the course of time to his other duties. Notwithstanding that perhaps the majority of credit men have secured their training in some such way as this, this method of training credit men in the hard school of experience is not only laborious to the men themselves, but unquestionably also expensive to the employing firm, as during the years in which experience is being gained the standard of efficiency in the credit work is bound to be lower than if the men did not rely entirely on experience but supplemented it by study.

What has been written in the following pages may help to make the acquisition of some of this knowledge a less arduous task.

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