Receivables in 2012 is a most underrated asset, which can only be to the company. Meanwhile, the asset has a huge advantage - its price can not fall overnight several times during a crisis can happen to the price of oil, gold, real estate, stocks ... If your debtor owed you yesterday hundred rubles (or a million euros), then tomorrow it will also have to give you the same one hundred rubles (or the same one million). Of course, with one taken separately debtor something bad can happen, but the value of a diversified portfolio of receivables should be fairly stable. The main thing - to learn it more or less accurately assess and monitor for an extended period of time. In 2012, the only more or less common source monetize receivables is factoring. Five years later, in 2017, it will be possible to lay the broad portfolio of receivables to different loans and credit, to sell "accounts receivable" on the Stock Exchange (the type of Receivables Exchange will be in different parts of the world), to securitize its (and the originator will be able to speak any company - owner of the accounts receivable, and not only banks and factors). That is all the suppliers of goods and services, which due to their success in sales growth achieved a portfolio of receivables, will not have to face many problems associated with it such as lack of liquidity or credit risk - at any time they can get money for your accounts receivable. To do this, you just need to assess its quality, confirm its validity and to monitor her constantly. But such a task in five years can be solved, and everywhere.