办理商业保理公司有什么条件 办理商业保理公司有什么条件 商业保理业务基本之功能即是以现金购买卖方之应收账款,明确的说法即是提供融资服务。
二次世界大战后,多个地区的经济活动逐渐兴盛,中小企业之融资需求也相当迫切,美国于1952年颁布的统一商业法典(UniformCommercialCode)规范商业活动之法律条文,也明文确认动产以及不动产担保的有效性及可执行性。
1980年代左右,花旗银行(CitiBank)推出了以资产为担保之融资业务(AssetsBasedFinance,ABF),帮助中小企业以存货、accounts receivable、机器设备等为担保取得融资,商业保险业务于是活跃于当期的中小企业融资舞台;欧洲也因战后多种经济活动快速扩张,多种融资需求也方兴未艾,国际贸易也逐渐兴盛,于是欧洲的财务公司在1968年成立了国际保理商协会(FactorsChainInternational,FCI),并描划一个基本架构规范进出口保理商之间的权利义务关系。
由于世界各国对商业保理业务的理解程度不同,FCI于是配合国际私法协会(Unidroit)于1988年加拿大渥太华(Ottowa,Canada)明确描绘了商业保理业务的定义: a.以现金购买应收账款; b.应收账款管理(Accounting,维持账款之有效性); c.应收账款催收; d.承担买方之信用风险。
Registration conditions:
- The company's registered capital is no less than RMB 50 million,All are paid-in monetary capital,And the source is authentic and legal。
- The main investors should be corporate legal entities and other social and economic organizations,And the total assets in the year before application are not less than 50 million yuan。
- Foreign investors in commercial factoring companies or their affiliated entities should have performance and experience in factoring business。
- A commercial factoring company should have more than two senior executives with management experience in the financial field and no bad credit records and qualified professionals suitable for its business。
- Other conditions stipulated by laws and regulations。
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