前海商业保理公司如何注册

在欧美国家商业保理已经是一个非常成熟的行业，但在我们商业保理虽然发展了一段的时期，目前商业保理还处于发展期。另一方面来说，目前也是商业保理好的切入点。整理出本文，先讲解前海商业保理公司注册的条件，然后个人愚见分析了商业保理公司发展的两个要点。 one、前海商业保理公司如何注册？

Conditions for foreign commercial factoring registration：

1. The registered capital should be no less than RMB 50 million。
2. Investors should have the appropriate asset scale and financial strength to carry out factoring business，No recent violation or penalty record。
3. Should be established in the form of a limited liability company。
4. The name should indicate "commercial factoring"。
5. Corresponding management systems should be established to carry out factoring business，Improve relevant business processes and operating specifications，Submit financial statements every six months、Compliance instructions、Report business development to the Municipal Economic and Trade Information Committee，and verify the authenticity of reports and information、accuracy、responsible for integrity。
6. When applying for establishment，There should be more than 2 senior managers with more than 3 years of management experience in the financial field and no bad credit records。

Registration conditions for domestic commercial factoring：

1. Investors should have the appropriate asset scale and financial strength to carry out factoring business，No recent violation or penalty record。
2. The registered capital is no less than RMB 5 million (subscribed) and the source is true and legal.。
3. No mixed business operation allowed。
4. There should be a sound internal control system。
5. When applying for establishment，There should be more than 2 senior managers with more than 3 years of management experience in the financial field and no bad credit records。 商业保理是一个很大的市场，Nowadays, many domestic enterprises have tight capital chains.，An important reason is that many companies have too much working capital occupied by accounts receivable.，Leading to poor circulation of one's own funds。

Commercial factoring is for corporate accounts receivable，Provide financing services to enterprises，Therefore, commercial factoring actually solves the financing problem of the real economy.。前海位于珠三角经济区，大量的实体经济集聚于此，而商业保理目前还处于发展期，There will be great demand in this area in the future，The market space is also very large。 港信通认为商业保理的两个非常主要的问题在于融资和风险把控。

目前商业保理公司大的瓶颈是解决融资问题，毕竟股东的资金总有用完的时候，更何况做商业保理的都想着发放资金杠杆，拿自己的钱借给别人这事干不长久，也会降低整个公司的资金效率。这个瓶颈也是国内多数商业保理公司业务没怎么开展起来的直接原因。关于融资，很多保理公司已经探索的路子有发私募，或与P2P公司合作。

银行融资其实是比较难拿到的，其他的路子成规模的还不多，有人在探索资产证券化这条路，目前还没有形成规模。 另一个发展重点在于风险把控。 Risk control of factoring companies，This is also another factor restricting the development of factoring companies.。Factoring is actually a credit culture，and the mortgage culture of financial leasing companies，Banks’ mortgage culture is fundamentally different。

Subject to domestic credit environment，Our country has a huge shortage of talent in terms of credit risk control.，而且经济形势目前又是比较复杂的，Credit risk control poses great challenges to factoring companies。在较差的经济形势下控制信用风险是个技术活，这个需要保理公司长年的积淀才能做好。

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