Credit management is divided into prestage, inbetweemstage and poststage, including the information about a customer as well as its credit status, pledge, and collection.

• 信用管理一般分为事前、事中和事后管理三个部分，包括事前的客户资料收取和客户信用评价、事中的债权保障和事后的账款回收。