Port communication保理业务是以债权人转让其应收账款为前提，Collection of accounts receivable provided by commercial banks or commercial factoring companies、manage、Comprehensive financial services integrating bad debt guarantee and financing。所以港信通-今天给大家介绍保理市场主要发展模式的分析，大家一起来学习下吧！保理业务分类方式众多，Mainly include：1、Whether there is recourse，Can be divided into factoring with recourse and factoring without recourse。
Recourse factoring is when accounts receivable cannot be collected from the debtor when they expire.，Factoring companies can counter-assign accounts receivable to creditors、
Require
Creditors repurchase accounts receivable or return financing；Non-recourse factoring means that accounts receivable cannot be paid off without commercial disputes and other circumstances.，The factoring company bears the risk of bad debts on accounts receivable。2、Press whether to notify the buyer，Can be divided into explicit factoring and implicit factoring。
Express factoring means notifying the buyer in writing of the fact that the creditor's rights in accounts receivable are transferred.，Hidden factoring refers to not notifying the buyer of the fact that the creditor's rights in accounts receivable are transferred.。3、Depends on whether financing is prepaid，Can be divided into discount factoring and maturity factoring。If the factor provides advance payment financing at a discount，is financing factoring，Also known as discount factoring。If the factor does not offer advance account financing，Instead, payment is made when the credit is due.，maturity factoring。
传统意义上，商业保理公司业务模式主要有以下两种：Mode one：以买卖双方的真实贸易背景为依托，通过三方之间的合作协议确定应收账款的转让，The business operation process is as follows：①The seller sells goods to the buyer on credit；②The seller provides the settlement documents under the credit sales model to the factoring company，As the basis for the transfer of accounts receivable and the issuance of accounts receivable acquisition funds，The factoring company submits a copy of the settlement document received to the partner bank，Carry out refactoring business；③银行在审核单据确认无误后，Transfer the relevant financing funds to the factoring company's account；④The factoring company will transfer the bank financing amount received to the seller's account opened in the cooperative bank as the purchase amount of accounts receivable；⑤Accounts receivable due date，The buyer repays the accounts receivable claim to the factoring company。
Mode 2：商业保理公司与卖方签订两方的暗保理协议，转让卖方对买方的应收账款，到期卖方再将应收账款回购，偿还保理公司的应收账款，The business operation process is as follows：①The seller sells goods to the buyer on credit；②The seller provides the settlement documents under the credit sales model to the factoring company，As the basis for the transfer of accounts receivable and the issuance of accounts receivable acquisition funds，The factoring company submits a copy of the settlement document received to the partner bank，Carry out refactoring business；③The bank is reviewing the documents，After confirming that it is correct，Transfer the relevant financing funds to the factoring company's account；④The factoring company will transfer the bank financing amount received to the seller's account opened in the cooperative bank as the purchase amount of accounts receivable；⑤Accounts receivable due date，卖方向保理公司回购应收账，Repay claims on accounts receivable。
目前市场主流的保理模式分为以上这两类，besides，有一部分保理公司在传统的明保理模式基础上还强调保理的坏账担保功能，在应收账款的处理中更加着重担保职能，因此这些保理公司与再担保公司之间形成了合作，将应收账款的风险转移到外部。
In this mode，保理公司借助再担保公司实现了对应收账款以及保理业务的增信，使得业务的风险管理更加完善，也为这种业务模式的参与方提供了新的合作思路。If you still want to know more about this aspect，Welcome to consult Hong Kong Xintong at any time!
About Hong Kong Xintong
Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
