Welcome to the Credit Management Research Centre. The CMRC was established at Leeds University Business School in 1998, with funding from the Institute of Credit Management, commercial sponsors from the credit industry and government departments. CMRC has enjoyed ten years of continual support from the credit profession and government. The unique focus of CMRC is to engage in a research program that combines academic rigour with practitioner and policy relevance. CMRC's mandate, to create and disseminate knowledge, goes hand in hand with building strong relationships with the credit industry and policy makers. Given our location in the fastest growing credit and financial services centre in the UK, it stands to reason that we consider industry partnerships as a critical factor in our commitment to dynamic and relevant research, innovative teaching, and exceptional post graduate courses.