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	<title>Best Business and Loans Resources</title>
	<link>http://www.profit-managing.com</link>
	<description>Manage your credit easily and efficiently</description>
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		<title>Achieve continuous loan improvement</title>
		<description><![CDATA[Win-Win Orientation = synergy. Organizations that increase their PQ already know how to create win-win conflict resolution and problem solving. This ability drives fear out of the relationship, lets creativity emerge, and generates the pure gold of partnership: synergy. But synergy is the outcome of a combination of components—the basic skills of Partnering Intelligence. You [...]]]></description>
		<link>/achieve-continuous-loan-improvement/</link>
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		<title>Credit is made of individual parts</title>
		<description><![CDATA[Partnerships provide value that competitors cannot duplicate. Anyone can reproduce a widget. So don’t bet the family fortune on your product or service. Sooner or later, someone will dissect it, figure it out, and make it better. And where will that leave you? What they can never reproduce is the dynamics created through partnerships. Each [...]]]></description>
		<link>/credit-is-made-of-individual-parts/</link>
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		<title>Open credit systems increase information</title>
		<description><![CDATA[Open systems increase information and intelligence. The more we share information, the more we learn. Different people can draw different conclusions from the same information, which can be invaluable. You may see data with one interpretation—I with another. We share perceptions and open each other’s eyes to fresh possibilities and new understandings of both the [...]]]></description>
		<link>/open-credit-systems-increase-information/</link>
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		<title>High credit trust enables creative risk</title>
		<description><![CDATA[When partners have reached full partnership, remarkable things start to happen. Full partnerships between organizations are the equivalent of Olympic gold.Many try, few succeed. But those who do succeed know the work involved and the skill it takes to be the best. While the road is tricky and fraught with peril, the rewards can be [...]]]></description>
		<link>/high-credit-trust-enables-creative-risk/</link>
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		<title>A repricing of credit risk</title>
		<description><![CDATA[Telecommunications companies serve as a good example at this point. They used to be fixed-line operators. The introduction of new wireless technology changed their business models since they had to adapt their strategies to the new technological landscape. Capital expenditures were massively increased for the building of new wireless networks and the competition intensified for [...]]]></description>
		<link>/a-repricing-of-credit-risk/</link>
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		<title>The integration of your credit resources</title>
		<description><![CDATA[The value chain for the automobile industry is representative for a cyclical sector. The various component makers interact with suppliers from the steel, textiles and basic materials industries. The car manufacturers assemble all parts together and finished automobiles are shipped through various distribution networks to the final consumer. Own financial services companies support the sales [...]]]></description>
		<link>/the-integration-of-your-credit-resources/</link>
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		<title>The costs for acquiring a new credit</title>
		<description><![CDATA[The value chains for telecommunications wireless and electric utilities are examples for noncyclical sectors. Wireless operatorsinteract with equipment suppliers and their biggest cost positions are for subscriber acquisition, advertising and interconnection fees. Their customer base is divided into business clients and individual consumers. The success of a wireless operator will depend on the control of [...]]]></description>
		<link>/the-costs-for-acquiring-a-new-credit/</link>
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		<title>Credit and economic changes of industries</title>
		<description><![CDATA[Structural economic changes of industries are important in the sector selection process for corporate bond investors because they determine how an industry functions and will allow to make projections about the development of the credit quality of specific industries. It has to be determined whether certain changes in industry dynamics occur which have a material [...]]]></description>
		<link>/credit-and-economic-changes-of-industries/</link>
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		<title>Industries with structural credit losses</title>
		<description><![CDATA[Industries with structural losses have to be avoided because their profits will fall in recession and recovery as well. Defensive industries with structural gains will experience a rise in profits during the whole economic cycle. Industry trends have to be monitored and projections about future trends have to be made because they will influence the [...]]]></description>
		<link>/industries-with-structural-credit-losses/</link>
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		<title>Relative profits derived from you loan</title>
		<description><![CDATA[Oil companies’ relative profits also peak during a recession because an economic downturn is usually accompanied by high oil prices. Utilities have a noncyclical business profile and they are subject to regulated pricing. They will realize their profit peaks relative to the market during a later stage of an economic downturn. Consumer staples is a [...]]]></description>
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