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PART IV: WORKING CAPITAL MANAGEMENT

Link-sets

Check 21 Credit & Collections Electronic Check Conversion

Electronic Commerce Microcredit Single Euro Payments Area (SEPA) Supply Chain (and Financial Supply Chain)

• About.com: Logistics/Supply Chain. About.com's Logistics and Supply Chain Management Knowledge Development Center.
  http://logistics.about.com/industry/logistics/library/bllogscmkdc.htm
• Accounts Payable News. On-line, non-profit news service dedicated to providing the latest news and information in the payables arena.
  http://www.accountspayablenews.org/
• Association for Financial Professionals (AFP). Formerly the Treasury Management Association (TMA). Also, see their Standards of Ethical Conduct and learn about the Certified Treasury Professional (CTP) Program. For a northern exposure, try Treasury Management Association of Canada.
  http://afponline.org/
• The Association of Corporate Treasurers (ACT). A UK gateway to information on corporate treasury matters. Be sure to check out their magazine, The Treasurer.
  http://www.treasurers.org/
• Banking Strategies Magazine. Selected articles from the current and archived issues. A number of articles deal with cash management and short-term financing issues.
  http://www.bai.org/bankingstrategies/
• Bureau of the Public (U.S.) Debt Online. Everything to do with the public U.S. debt -- including a wealth of information on government securities and regulations.
  http://www.publicdebt.treas.gov/
• Business Finance Magazine.
  http://www.businessfinancemag.com/
• CCH Business Owner's Toolkit. Information on financing, taxes, regulations, laws, and marketing. Learn about the Common Types of Bank Loans (working capital lines of credit, collateral, etc.) and the thinking behind Delaying Cash Outflows (when to take a trade discount, using the float, etc.).
  http://www.toolkit.cch.com/
• CFO.com. Online version of CFO Magazine magazine plus additional resources and links. Also, see their special feature: Cleaner (Balance) Sheets: The 2009 Working Capital Scorecard.
  http://www.cfo.com/
• Check 21 (Check Clearing for the 21st Century Act) Web Sites
  1. "Ask Alice About Check 21". CCH Business Owner's Toolkit's online advice columnist, Alice Magos, does a great job in explaining Check 21. Also visit "Ask Alice!" Archive for other excellent business columns. http://www.toolkit.cch.com/advice/04-081askalice.asp
  2. BankersOnline Check 21 Center. Information and links related to Check 21 (Check Truncation Act).
     http://www.bankersonline.com/check21/
  3. Check 21. Great Check 21 educational material, including audio/slide presentations, courtesy of the Federal Financial Institutions Examination Council.
     http://www.ffiec.gov/exam/check21/
  4. Check 21. Courtesy of Wells Fargo Company.
     http://www.wellsfargo.com/jump/check21
  5. CheckImage Central. Industry information and education about check image clearing including industry statistics, videos and papers on how to become image-enabled.
     http://www.checkimagecentral.org/
  6. FAQs: Check 21 and IRDs. Courtesy of Rosetta Technologies, a company who provides services and products for compliance with Check 21.
     http://www.rosettatechnologies.com/check21.asp
  7. FDIC Consumer News: Check 21. FDIC report on Check 21.
     http://www.fdic.gov/consumers/consumer/news/cnsum04/
  8. FRB: Consumer Guide to Check 21 and Substitute Checks. This guide explains your rights under Check 21 as they relate to substitute checks.
     http://www.federalreserve.gov/pubs/check21/consumer_guide.htm
  9. "Impact of Check 21 on Corporate Cash Management" White Paper courtesy of Phoenix-Hecht, Inc.
     http://www.phoenixhecht.com/treasuryresources/pdf/Ck21_CorporateImpact.pdf
• CIO.COM. Resources for information executives.
  http://www.cio.com/
• Clearing House Interbank Payments System (CHIPS). Information about the automated clearing system used primarily for international payments.
  http://www.chips.org/
• Credit & Collections Web Sites
  1. @rating. Free company and country risk ratings courtesy of Coface, the leading French company for credit information and receivables management. Information is available in a number of languages.
     http://www.cofacerating.com/rating/
  2. Accounts Receivable Management and Debt Collections Resources. Provided by LexisNexis for debt collectors. Information is also useful to business students and faculty.
     http://www.debtcollectioninsight.com/
  3. Credit and Collections Resource Center. Designed to help commercial credit, collections and finance professionals with relevant articles, bankruptcy and trade receivable statistics, country risk reports, financial formulas and more.
     http://www.credit-to-cash-advisor.com/
  4. Credit Collections & Risk Magazine. Magazine for collections and credit policy professionals.
     http://www.ccrmagazine.com/
  5. Credit Collections & Risk World Magazine. Magazine for collections and credit policy professionals.
     http://www.ccrworld.net/
  6. Credit Guru.com. Articles, links and a discussion forum on credit, collections, financial statement analysis, bankruptcy and other creditor and debtor related topics.
     http://www.creditguru.com/
  7. Creditworthy. Business credit management information.
     http://www.creditworthy.com
  8. CRF Online. Credit Research Foundation (CRF) Web site emphasizing education and research activities to aid business credit, accounts receivable and customer financial managers.
     http://www.crfonline.org/
  9. Dun & Bradstreet Information Services. Information about this commercial credit reporting agency plus helpful business tips (e.g., How to Make Better Credit Decisions).
     http://www.dnb.com
  10. Experian (TRW) -- Business Credit. The Experian (formerly TRW) credit reporting agency describes a sample business credit report called a "Business Profile."
      http://www.experian.com/business/bcr.html
  11. Extending Credit. Extending credit tutorial courtesy of The Entrepreneur's Help Page.
      http://www.tannedfeet.com/extending_credit.htm
  12. FTC Fast Facts: Scoring for Credit. Federal Trade Commission (FTC) tells you all about "credit scoring" -- a system used by some creditors to determine whether to give you a loan or credit card.
      http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre24.htm
  13. The Institute of Credit Management (ICM). Resources provided by the largest professional credit management organisation in Europe.
      http://www.icm.org.uk/
  14. Intrum Magazine. Courtesy of one of Europe's leading Credit Management Services companies.
      http://www.intrum.com/en/intrum-magazine.html
  15. myFICO: Credit Scoring Booklets. Two excellent online booklets to help you better understand your credit score, or FICO score.
      http://www.myfico.com/Downloads/Brochures.aspx
  16. National Association of Credit Management.
      http://www.nacm.org/
  17. Pay on Time. The Complete Guide to the Late Payment of Commercial Debts (interest) Act 1998 (UK).
      http://payontime.co.uk/
  18. The Receivables Exchange. Online marketplace where you can post your receivables on a private Web site and have financial institutions bid on them.
      http://www.receivablesxchange.com/index.php
  19. Secret History of the Credit Card. TV program Frontline (working with The New York Times) created this revealing investigation into credit cards. View entire program and read articles. Website also has a credit card quiz, a teacher's guide, and a place to leave feedback.
      http://www.pbs.org/wgbh/pages/frontline/shows/credit/
  20. "Trade Credit: Why Do Production Firms Act as Financial Intermediaries?" Article examines the motivations for providing trade credit, which remains the largest source of short-term business credit in the U.S. and other nations around the world. The article is courtesy of the Federal Reserve Bank of Philadelphia.
      http://www.philadelphiafed.org/research-and-data/publications/business-review/2003/q3/brq303mb.pdf
  21. VideoCreditScore.com. Video-based credit score and credit rating education including the keys to higher credit scores.
      http://www.videocreditscore.com/
  22. "What's the Point of Credit Scoring?" Good article explains the basics of credit scoring, discusses some of the models used, and looks at some of the implications of the wider use of credit scoring.
      http://www.philadelphiafed.org/research-and-data/publications/business-review/1997/september-october/brso97lm.pdf
• Electronic Check Conversion Web Sites
  1. E-Checks (Electronic Check Conversion). E-check facts for consumers courtesy of the US Federal Trade Commission.
     http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre31.shtm
  2. FRB: Electronic Check Conversion. US Federal Reserve's brochure When Is Your Check Not a Check?.
     http://www.federalreserve.gov/pubs/checkconv/
• Electronic Commerce Web Sites
  1. E-Commerce Times. A cornucopia of e-commerce news and information.
     http://www.ecommercetimes.com/
  2. The Electronic Commerce Guide.
     http://ecommerce.internet.com/
  3. Electronic Commerce in Canada. Official Web site of the Canadian Task Force on Electronic Commerce. (Français).
     http://e-com.ic.gc.ca/epic/internet/inecic-ceac.nsf/en/home
  4. Finfacts Ireland. The Irish Finance and Business Portal.
     http://www.finfacts.ie/
• Electronic Payments in the U.S. Economy: An Overview. Article courtesy of the Federal Reserve Bank of Kansas City.
  http://www.kc.frb.org/publicat/econrev/PDF/4q99wein.pdf
• Factoring Articles. A collection of articles on factoring courtesy of The Invoice Bankers Corporation (a factoring company).
  http://www.invoicebankers.com/factoring_articles.html
• Federal Reserve Financial Services. Information about the Federal Reserve System's financial services and products offered to U.S. financial institutions (e.g., ACH and Funds Transfer).
  http://www.frbservices.org/
• The Federal Reserve System. All about the Federal Reserve System, its publications, its regulations, and links to related sites.
  http://www.federalreserve.gov/
• Fedpoint 28: Estimating Yields on Treasury Securities. How to compute yields on Treasury securities -- discount yield and investment yield methods.
  http://www.newyorkfed.org/aboutthefed/fedpoint/fed28.html
• Firmbuilder.com. Information on outsourcing and outsourcing service providers; designed to be educational and interactive.
  http://www.corbettassociates.com/firmbuilder/home.asp
• FRBNY Fedpoints. This Federal Reserve Bank of New York (FRBNY) site contains on-line "Fedpoint" publications covering such topics as Automated Clearing Houses (ACHs), Fedwire, and float.
  http://www.newyorkfed.org/aboutthefed/fedpoints.html
• FRED® -- Economic and Financial Database. Provides historical U.S. economic and financial data, including daily U.S. interest rates, monetary and business indicators, exchange rates, balance of payments and regional economic data for Arkansas, Illinois, Indiana, Kentucky, Mississippi, Missouri and Tennessee.
  http://research.stlouisfed.org/fred/
• FTA: The Finance and Treasury Association. Association for finance and treasury professionals in Australia, Asia and the Pacific -- providing technical information and ongoing professional development.
  http://www.finance-treasury.com/
• GE Capital's Guide to Asset Based Lending. View the entire contents of this 61-page booklet.
  http://www.gelending.com/Clg/Resources/PDF/guide/asset_guide.pdf
• IAPP -- International Accounts Payable Professionals. A not-for-profit professional association committed to the advancement of individuals in accounts payable.
  http://www.iappnet.org/
• IARP -- International Accounts Receivable Professionals. A not-for-profit professional association committed to the advancement of individuals in accounts receivable.
  http://www.theiarp.org/
• iMoneyNet. Features money market mutual fund information for individual and institutional investors. Visit their Money Fund Basics section.
  http://www.ibcdata.com/
• Information Security: Radio Frequency Identification Technology in the Federal Government. This US Government report provides good background reading for students, executives, and IT professionals who are interested in studying and/or adopting RFID technologies.
  http://www.gao.gov/new.items/d05551.pdf
• The Institutional Money Market Funds Association (IMMFA). Provides information about IMMFA and its members and about triple-A rated money market funds. See especially their About MMFs section.
  http://www.immfa.org/
• InventoryOps.com. Source for information on inventory management and warehouse operations.
  http://www.inventoryops.com/
• Investopedia.com: Money Market. Tutorial on the money market plus descriptions of the key money market instruments.
  http://www.investopedia.com/university/moneymarket/
• ITtoolbox E-Business. Portal for e-business material -- news, links, job bank, articles, and more.
  http://ebusiness.ittoolbox.com/
• The Journal of Internet Banking and Commerce.
  http://www.arraydev.com/commerce/JIBC/
• "Lockbox Banking -- Pro & Con". Nice article courtesy of the National Check Fraud Center.
  http://www.ckfraud.org/lockbox.html
• Logistics Management. Web-based extension of "Logistics Management" magazine that includes additional resources and links to other news sources.
  http://www.logisticsmgmt.com/
• Microcredit Web Sites
  1. Gameen -- Banking for the Poor. Learn about microcredit from the bank that shares the Nobel Peace Prize for 2006 with Professor Muhammad Yunus.
     http://www.grameen-info.org/
  2. Kiva.org -- Loans that Change Lives. Kiva lets you loan money to unique small businesses in the developing world. By choosing a business on Kiva.org, you can "sponsor a business" and help the world's working poor make great strides towards economic independence.
     http://kiva.org/
  3. Microcredit Summit Campaign. Working to ensure that 100 million of the world's poorest families, especially the women of those families, are receiving credit for self-employment and other financial and business services by the end of 2015.
     http://www.microcreditsummit.org/
• Money Markets: Fundamentals. Excellent tutorial courtesy of The Learning Curve.
  http://www.financial-guide.ch/ica/markets/money_markets/fundamentals/index.html
• Mutual Fund Advisor. Articles on mutual funds, a glossary of mutual fund terms, listed mutual funds by family and information about them, news, historical facts and more.
  http://www.mutual-funds-advisor.com/
• NACHA: Electronic Payments, EBT, EFT, ACH . Learn about NACHA (National Automated Clearing House Association), ACH, "direct deposit/direct payment," Financial EDI, cross-border payments, and more.
  http://www.nacha.org/
• Outsourcing Center. A hub for outsourcing information and articles.
  http://www.outsourcing-center.com/
• The Outsourcing Institute. A neutral outsourcing resource dedicated to providing outsourcing information, research, networking opportunities and customized services and solutions to the outsourcing industry. Membership is required, but it is free.
  http://www.outsourcing.com/
• Partnership Sourcing. A joint British government/private sector site devoted to helping companies understand and implement the process of partnering and supply chain benchmarking.
  http://www.pslcbi.com/
• "Paying for It: Checks, Cash, and Electronic Payments". Nice article by the Atlanta Fed on how money flows through the complex payment system in the US.
  http://www.frbatlanta.org/pubs/payingforit/
• Payment Cards Center. Federal Reserve Bank of Philadelphia site established to serve as a source of knowledge and expertise on credit cards, debit cards, smart cards, stored-value cards, and similar payment vehicles.
  http://www.philadelphiafed.org/payment-cards-center/
• Phoenix-Hecht Internet Guide. Comprehensive guide to treasury-specific Web resources. And, check out their two-page list of Books for Treasury Managers.
  http://www.phoenixhecht.com/treasuryresources/Internet_Guide/Index_Sites.html
• Savings Accounts Explained. Explanations that deal with aspects such as interest rates, balances, Check 21, and more. Courtesy of InvestorSavings.com.
  http://www.investorsavings.com/savings-accounts.htm
• Single Euro Payments Area (SEPA)
  1. ECB: Single Euro Payments Area (SEPA). Overview of SEPA courtesy of the European Central Bank.
     http://www.ecb.int/paym/pol/sepa/html/
  2. European Payments Council (EPC). Website of organization dedicated to supporting and promoting SEPA.
     http://www.europeanpaymentscouncil.eu/
• studyfinance.com. Visit this site's Overview (Tutorial) related to Working Capital Management.
  http://www.studyfinance.com/
• Supply Chain (and Financial Supply Chain)
  1. CPO Agenda. Global business review designed for chief procurement officers and senior purchasing executives.
     http://www.cpoagenda.com/
  2. "The Argument for Financial-Chain Management". Excellent article from eCFO talks about applying the advances made in supply-chain management to the "financial chain."
     http://www.cfo.com/article.cfm/3001478
  3. ING Guide to Financial Supply Chain Optimization. Excellent four-section series originally appeared in TMI Magazine and is provided here courtesy of ING.
     
  4. Section One: Introducing the Financial Supply Chain.
     
  5. Section Two: Order-to-Cash Processes.
     
  6. Section Three: Purchase-to-Pay Processes.
     
  7. Section Four: Supply Chain Finance.
  8. ITtoolbox Supply Chain Management. Portal for supply chain management material -- news, links, job bank, articles, and more.
     http://supplychain.ittoolbox.com/
  9. Supply & Demand Chain Executive. Sourcing, procurement, operations, and demand management features, online magazine, and more.
     http://www.sdcexec.com/
  10. Supply Chain & Logistics Canada. Non-profit organization of business professionals interested in improving their logistics and supply chain management skills through a comprehensive program of education, research and networking opportunities.
      http://www.sclcanada.org/
  11. Supply Chain Digest. Supply chain management and logistics news, insight, education, opinion and education.
      http://www.scdigest.com/
  12. Supply Chain Finance Insider. Practical insights on supply chain finance for treasury and procurement.
      http://scfinsider.com/
  13. Supply Chain Management Review. Online version of magazine plus supply chain news features.
      http://www.scmr.com/
  14. SupplyChainStandard.com. Supply Chain Management & Strategy in Europe. Also visit their magazine.
      http://www.supplychainstandard.com/Home/
  15. SupplyManagement.com. Purchasing and supply news, law, analysis and resources.
      http://www.supplymanagement.com/
• SWIFT. News and information channel for the SWIFT community. SWIFT is the financial industry-owned co-operative supplying secure, standarized messaging services and interface software to thousands of financial institutions in more than 200 countries. You can also download current and past issues of their Dialogue magazine.
  http://www.swift.com/
• Treasury & Risk Magazine.
  http://www.treasuryandrisk.com/
• Treasury Institute for Higher Education. Designed to be the first "port of call" for senior treasury officers of educational institutions seeking to learn, share, and benchmark the best practices in treasury management.
  http://www.treasuryinstitute.org/
• Treasury Management Association (TMA). Now known as the Association for Financial Professionals (AFP).
  http://afponline.org/
• Treasury Management International. Links to TMI Magazine, a Research Library, and more.
  http://www.treasury-management.com/
• TreasuryDirect. Purchase U.S. Treasury securities directly via the Internet. Also provides basics on Treasury securities and a nice frequently asked questions (FAQs) area.
  http://www.treasurydirect.gov/
• Uniform Commercial Code (UCC).
  http://www.law.cornell.edu/ucc/ucc.table.html
• Web Economy B***S*** Generator. Pssst! Want to sound like a Dot.com guru and learn to say stuff like "monetize scalable supply chains"? This is the place for you!
  http://www.dack.com/web/bullshit.html
• "What's the Point of Credit Scoring?" Good article explains the basics of credit scoring, discusses some of the models used, and looks at some of the implications of the wider use of credit scoring.
  http://www.phil.frb.org/files/br/brja97jw.pdf
• "Why Has the Nonfinancial Commercial Paper Market Shrunk Recently?" This article does a nice job of examining a dramatic decline in commercial paper issuance. And, be sure to read the short Appendix 1: An Overview of the U.S. Commercial Paper Market.
  http://www.kc.frb.org/PUBLICAT/ECONREV/Pdf/1q03shen.pdf

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