商业保理含义及代办流程

商业保理基本定义：Commercial factoring means that the supplier transfers the accounts receivable based on the goods sales/service contract entered into with the buyer to the factor.，Accounts receivable financing provided by factors、Accounts receivable management and collection、Trade finance tools for integrated financial services such as credit risk management。The essence of commercial factoring is that suppliers based on commercial transactions，Convert the credit of the core enterprise (i.e. the buyer) to its own credit，Achieve accounts receivable financing。

目前市场上常见的也就是内资商业保理和外资商业保理，其主要区别就一下几点：

1. Domestic business scope： guaranteed agent、从事担保业务（非融资性担保）、Engage in consulting business related to commercial factoring。
2. 外资经营范围：trade finance、Sales account management、Customer credit investigation and evaluation、Accounts receivable management and collection、Credit risk guarantee services。

the difference：内资经营范围比较窄（但囊括了商业保理可经营的所有范围），外资经营范围比较广，都不得从事吸收存款、Financial activities such as granting loans，It is prohibited to specialize in or be entrusted with the collection business，禁止从事讨债业务。

1. 资金来源方式不同：纯外资商业保理以境外现汇来出资经营，内资商业保理以境内人民币来出资经营。
2. 股东机构不同：纯外资商业保理以境外公司为股东，内资商业保理以境内公司或者自然人为股东。one、有关依据
3. "Company Law"；
4. "Shenzhen Commercial Factoring Industry Pilot Management Measures"；
5. 《商务部关于商业保理试点有关工作的通知》（商资函419号）；
6. 《商务部关于商业保理试点实施方案的复函》（商资函919号）。

two、Application materials

1. 区商务委员会初审同意意见；
2. 出资各方签署的可行性研究报告；
3. Articles of Association；
4. 拟设立商业保理公司资金到位验资报告；
5. Proof of use of venue or lease agreement、Property ownership certificate and copy；
6. 法人出资人证明材料：营业执照副本及复印件、法定代表人身份证及复印件、主出资人上一年度审计报告；
7. 自然人出资人证明材料：ID card and copy、个人简要情况；
8. 拟任法定代表人任命书（各出资人签字）、简要情况（包括学历证明）、ID card and copy；
9. 拟任高级管理人员总经理、financial director、市场运营总监个人情况登记表(See attachment 1)、相关资格证书及复印件；Note：
10. 高级管理人员须具有2年以上金融领域管理工作经验；
11. The financial director must be a certified public accountant。
12. Notice of pre-approval of enterprise name issued by the industrial and commercial administration department；
13. 出资人承诺书（见附件2）；
14. Approval department

Require

的其它材料。

Four、办事程序

1. 拟设立商业保理公司的企业向前海自贸区商务委提出申请；
2. 区商务委初审同意后报送市商务委；
3. 市商务委审核后作出书面批复；
4. 企业自批复之日起30日内到工商行政管理部门申请设立公司登记。

three、其它事项

1. 可行性研究报告包括以下内容：
2. 出资人基本情况包括：name、Place of registration、Registered capital、legal representative、Business scope, etc.。
3. 拟设立商业保理公司情况包括：Company Name、Place of registration、Registered capital、Investment status、legal representative、Business scope、Years of operation (not more than 30 years)、Management organization setup and staffing。
4. 拟开展商业保理业务情况包括：market analysis、business process、operating instructions、Risk control system, etc.。
5. 原存续商业保理公司的变更审批参照此设立审批。

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