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Item and Scope Check
Distinguish this actual business、Planned tasks and work that need to be handled by other professional organizations。
Service Overview
深圳商业保理合规服务应先核对实际主体、Activities and this matter，Confirm registration separately again、Professional work and ongoing maintenance arrangements。按合同、funds、资产或应收账款及实际风险承担辨明活动，不凭公司名称决定业务性质或适用监管。
Nature of the matter and applicable boundaries
按合同、funds、资产或应收账款及实际风险承担辨明活动，不凭公司名称决定业务性质或适用监管。
cannot。所涉地方金融监管、经营限制及其他准入应按具体活动核对，工商登记不能概括为全面金融许可。
material、Responsibility and Result Verification
整理真实合同、权属、履行、债权及付款资料，识别关联交易与重复融资，不以形式发票代替真实性核对。
区分自有资金、loan、转让和其他安排，使合同与实际资金对应，不能将不明确资金来源包装成正常经营款。
围绕合同、assets、debt、资金及风险管理保存记录，并按实际适用制度核对报告与变更，不只保留公司成立文件。
Shenzhen Commercial Factoring Compliance Services：Processing conditions、List of Materials and Official References
深圳商业保理合规服务由深圳市地方金融管理局主管。Is it applicable、Handle according to which category of matters，Depends on the subject qualifications、Business activities and actual location/personnel arrangements；Newly established under the same name、change、continue、Cancellation handled separately，Cannot replace each other。
30 Second key point
- Competent authority：深圳市地方金融管理局
- First, look at the conditions：应收账款真实、可转让、无禁止转让约定。
- 合规体检：10–20 个工作日
- Validity period：按年度监管要求持续合规。
- Supervisory/Approval Authority
- 深圳市地方金融管理局
- Main basis
- 《关于加强商业保理企业监督管理的通知》（银保监办发〔2019〕205号）
- Handling method
- Online declaration + window/on-site verification (depending on the matter)
- Validity period
- 按年度监管要求持续合规。
Scope of application：First determine which category it belongs to
Situations that usually require handling：
- 已设立商业保理公司的合规体检与整改
- 拟清理存量不合规业务的企业
Easily mistaken as needed、But situations that should be verified separately：
- 未取得经营资格的主体
Core Conditions (Checked Item by Item)
- 应收账款真实、可转让、无禁止转让约定。
- 风险资产与净资产比例符合要求。
- Not allowed to engage in deposit taking、grant loans、受托发放贷款等业务。
- 建立保理业务台账与登记公示（中登网）机制。
List of materials and common return points
| Material | Key Points / Common Reasons for Returned Items |
|---|---|
| 保理业务台账 | 含基础合同、转让通知、回款记录 |
| 风险资产测算表 | |
| 制度与合同文本 | |
| 登记公示记录 |
Review and On-site Inspection Focus Points
- 无真实贸易背景的“通道保理”是清理重点。
- 应收账款未在中登网登记，权利对抗第三人时存在瑕疵。
time limit、Validity Period and Subsequent Obligations
| project | illustrate |
|---|---|
| 合规体检 | 10–20 个工作日 |
| Rectify | 1–3 个月 |
| Validity and Renewal | 按年度监管要求持续合规。 |
| Ongoing obligation | 数据报送与现场检查。 |
Cost structure (listed separately)，Avoid vague punches
按体检与整改范围计费。
Risk and Responsibility Boundaries
- 虚假应收账款可能触及刑事风险。
- 跨区域经营需符合监管协作要求。
Official Basis and Verification Entry
| Basis / Entrance | Issuing Authority | Verification method |
|---|---|---|
| 《关于加强商业保理企业监督管理的通知》 | 银保监办发〔2019〕205号 | Enforcement 2019-10-18；The current valid text shall prevail |
| 深圳市地方金融管理局 | — | Visit |
Date of consultation of the above materials：2026November 12。The provisions of the regulations shall be based on the officially published current text.；Service guidelines have regional differences and version updates，The actual acceptance requirements shall be subject to the standards of the accepting authority at the current period.。
illustrate：This page is a guide for handling conditions and organizing materials，Does not constitute legal advice、Regulatory approval or approval commitment。Submit application、On-site verification、The issuance of certificates and the decision to open accounts are both independently made by the competent authority or the bank.；Specific scope of services、The costs and deliverables shall be subject to written authorization.。
Scope of Services
Define the consultant's work according to the actual matters this time、The respective scope of work of professional institutions and external audits。
Data and Missing Items Compilation
Bring up existing records、Support evidence compared with formal requirements item by item，Record issues to be completed。
Results and subsequent handover
Verify agreed delivery、Submit or other results，List unfinished matters and ongoing maintenance。
Required Documents
The following are directions for the initial communication and information verification，The official list is according to the current acceptance requirements、Confirmation of the subject and actual matters。
- Entity Registration、Existing qualifications and authorization materials
- Practical activity、contract、Transactions or assets and the corresponding supporting documents
- Equity、personnel、A truthful description of the location and this change
- Original notice、All previous handling records and the matters pending confirmation this time
Application Process
Step 1
Confirm entity、Actual activities and this goal
Step 2
Organize existing records and supporting materials，Check applicable requirements
Step 3
Handle and coordinate professional work according to explicit authorization
Step 4
Check results、Original documents and subsequent responsibilities handover
Key Considerations
This page is for the scope of matters and preparation instructions，Does not replace individual laws、tax、Audit or other professional opinions。Processing conditions、Government fees、Processing time and results are determined according to the applicable regulations and review.，No unified guarantee。
List the consultant's work separately before commissioning、government fees、Capital or balance requirements、Professional signing and other third-party fees；Check the final records and items that still need to be handled during the handover。
FAQs
按合同、funds、资产或应收账款及实际风险承担辨明活动，不凭公司名称决定业务性质或适用监管。
cannot。所涉地方金融监管、经营限制及其他准入应按具体活动核对，工商登记不能概括为全面金融许可。
整理真实合同、权属、履行、债权及付款资料，识别关联交易与重复融资，不以形式发票代替真实性核对。
区分自有资金、loan、转让和其他安排，使合同与实际资金对应，不能将不明确资金来源包装成正常经营款。
围绕合同、assets、debt、资金及风险管理保存记录，并按实际适用制度核对报告与变更，不只保留公司成立文件。