Port communicationIn fact, many Internet giants，Commercial factoring business has already been deployed，For example, Suning Commercial Insurance was jointly funded and established by Hong Kong Suning Financial Co., Ltd., a wholly-owned subsidiary of the company, and Suning Appliance Group Co., Ltd., a related party.，Registered capital is RMB 55 million，Among them, Hong Kong Suning Financial invested RMB 41.25 million，Accounting for 75% of the total registered capital，Suning Appliance Group’s investment accounts for 25% of the total registered capital。
Suning said in the announcement，Suning Commercial Factoring will provide customers with integrated trade financing、Customer credit investigation、Supply chain financial services integrating accounts receivable management and credit risk guarantee，Will effectively expand the company’s financial service product categories，Promote the development of Suning’s business ecosystem，Become a new business growth point for the company。What are the profit models of commercial factoring?
Traditional factoring has four major functions：
- Accounts receivable management；
- Provide factoring financing to sellers；
- Provide credit risk guarantee to buyer；
- Collecting accounts from buyers At present, the business of factoring companies in my country is concentrated in two major areas:：one，是银行信贷类业务和投资类业务。In other words, if the customer wants to expand and make more money，Financial institutions lend to it as creditors，Or investors invest in it and become shareholders。Another thing is financing。
Both methods make money by earning spreads。Since its inception, commercial factoring has been closely linked to serving small and micro enterprises.。In the development process of small and medium-sized enterprises，融资难与融资贵这两大难题越来越突出，已成为经济平稳健康发展的痛点之一。
in recent years，The state has intensively introduced a series of support policies to support the financing of small and medium-sized enterprises.，However, due to the limitations of traditional financial industry risk management and control rules,，The credit financing obtained by small and medium-sized enterprises is still a drop in the bucket.。For many small, medium and micro enterprises，Problems of difficulty in obtaining loans and strict bank loan approvals still exist widely。
A survey by the All-China Federation of Industry and Commerce shows，90%Small businesses below a certain size do not have any lending relationships with financial institutions，95%of micro-enterprises do not have any lending relationships with financial institutions，The value it creates for society clearly does not match the financial resources it obtains.。therefore，current，In the process of implementing the national inclusive financial policy，There is an urgent need to adopt innovative means to solve the financing problems of small and medium-sized enterprises。Can commercial factoring companies still register now?
Registration process
How? 1) Determine the overseas initiator，or acquisition or new establishment。2）境外发起方身份公证3）确定营业执照注册地址4）注册所属地申请外商投资备案5）注册所属地申请办理工商执照6）开通银行公账户及税务激活备案更多资讯关注搜狐号：Love to laugh a lot、Toutiao account：Laughing a lot，Welcome to leave a message or private message to interact。
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