Qianhai Commercial Factoring Company Application Requirements and Future Development

China has a large number of small and medium-sized enterprises，The business structure of banks determines that they cannot meet the financing needs of small and medium-sized enterprises.，Create conditions for the development of commercial factoring companies。to be honest，If banks can meet the financing needs of small and medium-sized enterprises，There is no such thing as a factoring company.。2025The annual factoring business volume in mainland China is RMB 2 trillion.，Accounting for 11.24% of the global factoring market。

Since 2011, China has become the world’s largest factoring market.，and continues to this day。 Factoring market in mainland China，Bank factoring business still accounts for the majority，Up to about 75%，About 3 times of commercial factoring business。But the commercial factoring industry has doubled for four consecutive years，2025Annual business volume has reached 500 billion yuan。It is expected that by 2010，Commercial factoring business will account for one-third of the entire factoring business in China。

By the end of 2025，A total of 5,584 commercial factoring companies have been registered nationwide.，An increase of 102% from 2,767 at the end of 2025，It is 61 times the number of registered companies when the Ministry of Commerce launched the commercial factoring pilot program at the end of 2012.。Among them, a total of 2,817 new commercial factoring companies will be registered in 2025.，An increase of 92% compared with the same period in 2025。

Although there are more than 5,000 commercial factoring companies，However, nearly 80% of commercial factoring companies have not yet opened for business.，A considerable number of factoring companies are still in a state of "lost contact"。Factoring business in China faces many problems。The future of commercial factoring companies The logic of survival of commercial factoring companies，It must not directly compete with bank factoring business.，It must be because banks are unable to penetrate into the supply chain of various industries to provide financial services to a large number of small and medium-sized enterprises.，Compete through differentiation。

The development of value factoring business of factoring companies is conducive to promoting the financing of small and medium-sized enterprises，make up for lack of funds。Conducive to accelerating the return of commodity liquidity，Establish good supply and marketing relationships between upstream and downstream。

Factoring company operating logic 1) The buyer and seller reach a "Purchase Agreement" 2) The seller goes to the factoring company to apply for factoring business 3) The seller delivers goods to the buyer，Form accounts receivable (the basis of factoring business operations is accounts receivable，Therefore, accounts receivable must be formed) 4) The seller transfers the accounts receivable to the factoring company 5) The seller notifies the buyer that the accounts receivable has been transferred (the notification takes effect，Not consent takes effect，And it is the seller who notifies the buyer) 6) After the factoring company passes the assessment of the authenticity of the transaction，Send about 60%-80% of the contract payment to the seller，Retain a certain percentage of the balance 7) After the repayment time in the "Purchase Agreement" expires，The buyer repays the money to the factoring company 8) If the buyer does not repay when due，The factoring company is also responsible for collection 9) After the repayment is due，The factoring company pays the balance to the seller. Sources of funds for the factoring company. Funding for the factoring company mainly comes from the following sources:：1) Registered capital of factoring company，When a factoring company first starts its business, it usually uses registered capital 2) Bank，Interest generally ranges from 4% to 8% 3) Non-bank financial institutions，including trusts、securities、Fund subsidiaries, etc. 4) Local financial exchanges 5) Asset securitization 6) Personal funds，Mainly refers to the profit model of P2P factoring companies. The profit model of factoring companies.，In fact, it is to obtain income by providing comprehensive factoring financial services to customers.。

The main source of income is interest rate spreads，The annual interest rate for factoring financing services is generally 10%-15%，The capital cost is generally 4%-10%，Interest rate spreads constitute the main source of profit。 Next is the factoring service commission，Includes buyer credit assessment、Recycle、Manage accounts receivable, etc.。Rates depend on the nature of the transaction、Amount、Financing risk control and specific content of services provided, etc.，Generally 0.1%-3% of net accounts receivable。

Although banks also have bank factoring business，But on the one hand，Factoring and credit are completely different，Factoring business is more professional

Require

and risk control logic。Banks cannot sink into different industries，Familiar with the supply chain of each industry，Provide financing services to a large number of enterprises。

at the same time，As overall trade finance risks rise,，Bank credit lines for factoring business have significantly reduced，The factoring financing needs of a large number of small and medium-sized enterprises cannot be met.，Created conditions for the rapid development of commercial factoring。Shenzhen Qianhai commercial factoring company should meet the following conditions：

1. The company's registered capital is not less than 10 million yuan，subscribed capital，And the source is authentic and legal。
2. 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 10 million yuan。
3. Foreign investors in commercial factoring companies or their affiliated entities should have performance and experience in factoring business。
4. 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。
5. Other conditions stipulated by laws and regulations。

The positioning of factoring is through the management of accounts receivable of small and micro enterprises.，Verify trade authenticity，Allow small and medium-sized accounts receivable that are originally unable to be identified by financial institutions to be identified through your risk control visualization，The specific method used can be blockchain technology，It can also be various applications of financial technology，Pull yourself away from a traditional species of people who carry it on their shoulders，Become a big data technology species，To build your own moat，form barriers。

Gangxintong - is a domestic provider of Internet financial services in the Shanghai Free Trade Zone and Shenzhen Qianhai Special Zone、Financial leasing and commercial factoring registration and operation overall solution service provider。For details, please consult Hong Kong Xintong-Manager Zhang!

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。