Port communication自2012年商务部允许商业保理试点之后，中国商业保理行业迅速发展。商业保理公司从2011年的18家增加到2025年3725家，业务量从2013年底100亿到超过2025年超2000亿，预计未来3-5年中国商业保理的业务量将达到5000亿元。
互联网金融平台与商业保理结合日趋紧密，这首先是由互金投资人的投资特点决定的。互金投资人希望的投资项目特点是：low risk、High income、限期短，单笔规模不大，这正好符合保理的特点。
保理公司开发相应的保理项目和金融资产，防范和控制风险，而互金平台针对这些保理项目，通过互联网的手段，来聚集这些资金，实现资金和资产二者的对接，实现收益向投资人的转移。
in this process，保理公司的核心任务是根据互金平台的投资者偏好稳健的投资理念，替这些投资者管理所投项目，帮助投资者落实相应的风控手段，具体包括对融资企业进行投后管理，定期走访，同时对相应的债权进行日常管理，对债务人的风险进行控制和把握，对未来投资的资金进行回收，以及向互金平台进行转移，通过互金平台向投资者进行分配和发放。
这种方式就是保理和互金平台的结合。前海内资商业保理公司申报条件：
- Investors in commercial factoring companies should have the appropriate asset size and financial strength to carry out factoring business，No recent violation or penalty record；The main investor should be a corporate legal person or other social and economic organization (can be a natural person) who is familiar with the relevant industry；
- Commercial factoring companies should be established in the form of limited liability companies。
The registered capital is no less than RMB 10 million (subscribed) and the source is true and legal.；3、When applying for establishment of a commercial factoring company，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。
Senior managers refer to managers who hold the position of deputy general manager or above or equivalent positions；
- Commercial factoring companies are not allowed to operate mixed businesses；
- Commercial factoring companies should have a complete internal control system，including but not limited to risk assessment、business process operations、Monitoring and other systems；
- Other conditions stipulated by laws and regulations。
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