Process of applying for commercial factoring license|Advantages of commercial factoring companies

Process of applying for commercial factoring license|Commercial factoring company

Advantages

from the seventh(2025)Learned at the China Commercial Factoring Industry Summit and the 6th Yujiapu Factoring Forum，There is currently strong demand in China’s commercial factoring market、The industry has huge potential，The number of commercial factoring companies is growing rapidly，As of December 31, 2025，A total of 11,541 commercial factoring legal entities and branches have been registered nationwide.。

six years，The number of commercial factoring companies has exceeded the stock of registered companies at the end of 2012.(91Home)increased by 125.82 times。With the opening of registration policies across the country，The registration areas for commercial factoring companies have gradually formed a good situation of spreading everywhere.。As of December 31, 2025，31 provinces in China(municipality、autonomous region)Commercial factoring companies and branches have been established。

425th of the month，Tianjin Commercial Factoring Association announced on its official website the "Tianjin Commercial Factoring Pilot Management Measures (Trial)" (hereinafter referred to as the "Trial Measures")。This document was issued by Tianjin Local Financial Supervision and Administration Bureau，This is also the first local commercial factoring regulatory document after the commercial factoring industry was placed under the supervision of local financial bureaus at all levels.。

Commercial factoring refers to the creditor transferring accounts receivable to a commercial factoring company，Trade financing provided by commercial factoring companies、Comprehensive services such as accounts receivable management and collection。The "Trial Measures" clarify，When setting up a commercial factoring company，The total assets of the main investor in the year before application are no less than 50 million yuan。

The registered capital of a domestic company shall not be less than RMB 50 million.，And all of them are paid-in monetary capital，All payments must be made before the company is registered.；The registered capital of a foreign-invested company shall also not be less than RMB 50 million or its equivalent in foreign currency.，The actual payment must be made within 6 months after the industrial and commercial registration is completed.。in addition，Merger of commercial factoring companies、separate、Increase or decrease registered capital、Change of business scope、Changes to shareholders with a shareholding ratio exceeding 5% require approval。

So how to apply for a Shenzhen commercial factoring license? What conditions should be met to apply for a commercial factoring enterprise? What is the specific application process for a commercial factoring license? How to apply for a commercial factoring license in Shenzhen：Factoring license transfer Factoring company transfer factoring license for commercial factoring，Business scope：trade finance、Sales account management、Customer credit investigation and evaluation、Accounts receivable management and reminders、Credit risk guarantee services；Engage in consulting services related to main business。

；Factoring agency business (non-bank financing)；Owned commercial factoring company (purely domestically funded，Pure foreign investment，Sino-foreign joint venture)，Qianhai domestic commercial factoring company transfer，Shenzhen commercial factoring company transfer。Distribution of commercial factoring companies in China：Domestic current stage，According to Factoring Association data disclosure，The total number of commercial factoring companies has been established nationwide: more than 6,000。

in，The total number of commercial factoring companies settled in Shenzhen Qianhai Free Trade Zone has reached 5,000，Accounting for more than 80% of the national total。just like，Shenzhen Qianhai has become a highly concentrated area for domestic commercial factoring.。Shenzhen Qianhai Commercial Factoring，Current policy，Support domestic commercial factoring，Purely foreign commercial factoring，and Sino-foreign joint ventures to jointly establish commercial factoring companies。

in，Combined with current policies，Commercial factoring companies involving foreign investment，Foreign capital-contributing shareholders must exist for more than one year、Overseas enterprises with independent legal entity qualifications。at the same time，The audited financial reports of foreign-funded enterprises in the past year must meet several major indicators.：

1. Total assets in the past year shall not be less than five million US dollars。
2. Profitable in the past year。
3. Provide bank credit certificate。What is the difference between domestic commercial factoring and foreign/joint venture commercial factoring?
4. Differences in background of investing shareholders：Foreign/joint venture commercial factoring company，Contributing shareholders must have overseas corporate legal person status。
5. Differences in registered capital levels：Foreign/joint venture commercial factoring company，Registered capital must be above RMB 50 million。Purely domestic factoring company，No less than RMB 5 million is required。
6. Registered capital paid in，Capital verification cost difference：Foreign investment component，If you want to do capital verification，The cost is much higher than the cost of domestic RMB capital verification。

This is also what we recommend to investors，The main reasons for giving priority to domestic factoring。4.Differences in business scope：Domestic commercial factoring company，The business scope is：Engaged in factoring agency business。Compared with foreign factoring，relatively easy，However, the actual business content of domestic and foreign factoring is the same.。Domestic investors want to enter the commercial factoring industry，Mainly through two channels to enter：one、Newly registered commercial factoring company。Need to meet various relevant regulations，The threshold for new establishment is higher。

two、Entered in the form of SG transfer survival commercial factoring company。

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