How to set up a commercial factoring company|Current status of commercial factoring|

How to set up a commercial factoring company|Current status of commercial factoring|How to set up a commercial factoring company|Current status of commercial factoring|With the continuous strengthening of financial supervision，Cooperation between commercial factoring and banks，Some new obstacles have also emerged。

The person in charge of a factoring company said，due to regulation

Require

Conduct stricter penetration of underlying assets，Banks need to de-channelize，This type of business will become more difficult in the future；Banks have stricter risk controls on real estate and other industries than in the previous two years.，Provides fewer business windows。

also，2025January，.Private equity fund industry association issues policy，Factoring assets may not be sold in the form of private equity, funds, or debt.，or transfer of right to receive，It also restricts the connection between factoring companies and capital parties.。The person in charge said，Commercial factoring supervision will definitely become stricter，Entry barriers will also increase，The industry will face adjustments，But the cooperation between banks and factors will be strengthened。

at the same time，Service platform for factoring industry、A credit reporting system will also be gradually established。A blacklist system containing more than 1.5 million pieces of information has been established.。“A lot of business can’t be done，Mainly for two reasons，The first is whether you have a real business background，Can core enterprises cooperate?，These are the keys for banks to measure their factoring business。

"A postal savings bank official said，In the process of factoring financing，Many basic asset data are incomplete，And there is collusion and fraud。

Commercial factoring company registration conditions

1. Domestic capital (ordinary company registration) domestic capital business scope：Guaranteed payment agent (or engaged in factoring business)、Consulting services related to factoring、Engage in guarantee business
2. Foreign investment business scope：trade finance、Sales account management、Customer credit investigation and evaluation、Accounts receivable management and collection、Credit risk guarantee services。Conditions for foreign investment：
3. The registered capital of a commercial factoring enterprise should be no less than RMB 50 million.。
4. Commercial factoring enterprises that have obtained the approved establishment documents shall apply to the Municipal Administration for Market Regulation to complete the relevant registration procedures.；The Municipal Economic and Trade Information Committee will also send a copy of the approval status to the Municipal Finance Office and other relevant departments.。
5. Hong Kong and Macao providers applying to establish commercial factoring enterprises should have good reputation and performance and experience in factoring business，The senior managers of commercial factoring companies should include more than 2 senior managers with management experience in the financial field and no bad credit records。
6. Qualified Chinese and overseas shareholders are overseas companies (generally Hong Kong companies)：
7. legal subject，Provide notarized documents proving legal entities
8. Established for more than 18 months
9. Good credit standing，Issued by bank，7about working days。

Open an account for more than three months，And there is normal bank flow.，Only then can the credit certificate show that the credit is good and the business transactions are normal.

1. Audit report for the most recent year，Can reflect normal tax payment、Total assets exceed US$5 million、The asset-liability ratio shall not be higher than 75%。
2. The account balance reaches 8 digits RMB or Hong Kong dollars，7digits dollar。
3. The shareholding of newly established Sino-foreign joint venture commercial factoring companies shall not be less than 25%.。

Sino-foreign joint venture (Chinese shareholder)：

1. Must be a mainland enterprise
2. Established more than 2 years ago
3. The total assets are greater than the initial capital contribution (50 million accounting for 75% of the shares = 37.5 million，Total assets must be greater than 37.5 million)
4. Credit certificate，Issued by bank。
5. Audit report，Business is normal。

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