商业保理企业保理需要满足的主要条件

Extensive experience and lessons learned，Enterprises first need to understand the main role of factoring services。broadly speaking，保理是指保理商以承购应收账款的方式向卖方提供的一种融资服务。 Factoring has three major benefits：Enterprises obtain financing through the transfer of claims (accounts receivable)；The enterprise transfers the customer's credit risk to the factoring agent.；The factor is responsible for collection of accounts，Saves corporate accounts receivable management costs。

in fact，Factoring business mainly provides a financing service for accounts receivable.。 Although the factoring business objectively has the function of providing customers with buyer's credit guarantee and account collection services,，However, these two functions have relatively strict prerequisites.。This is why the factor must conduct a credit investigation and credit assessment on the buyer in advance.，To determine whether to bear the risk of accounts receivable under it。 therefore，Enterprises seeking factoring services need to meet certain conditions。

1. An enterprise's credit sales business should be customers with certain credit qualifications。If the credit ability of the customer provided by the enterprise is insufficient, the factoring business will fail.。That's it

Require

Enterprises must strengthen customers’ credit management capabilities，Continuously screen high-quality customers，Avoid high-risk customers。

1. Credit sales need to be strictly regulated，Reduce transaction disputes。

Although factoring provides accounts receivable financing on a non-recourse basis，However, if the buyer refuses to pay for the goods due to transaction disputes,，The factor will waive the credit guarantee liability and recover the financing amount from the seller。therefore，Companies seeking factoring services first need to ensure the quality of their products and strictly fulfill their supply contracts.。at the same time，Enterprises should sign strict credit sales contracts under factoring with customers，Minimize the possibility of transaction disputes。

1. Need to weigh credit sales opportunity and risk cost，Overall planning of accounts receivable outsourcing services。Does the company need factoring services?，First depends on marketing strategy and financial financing strategy。under competitive market conditions，Use credit to expand sales，Will inevitably face the collection and cash flow risks of accounts receivable。at this time，

Require

Under the guidance of a unified credit management system and credit policy, enterprises，Properly arrange financing and risk control matters for accounts receivable。

in，Factoring should be used as an effective means for enterprises to obtain accounts receivable financing。For accounts receivable that have been in arrears，Businesses need to seek professional debt collection services。 also，Businesses need to successfully obtain factoring services，A complete credit management system needs to be established，in，Using credit management methods to standardize accounts receivable management is a prerequisite。

1. Enterprises need to establish a professional customer credit investigation and evaluation system。

The risk of accounts receivable mainly comes from credit customers (debtors)。Choosing the right credit sales partner is one of the key measures to control the risk of accounts receivable。Our management consulting practice demonstrates，The systematic credit investigation and credit rating carried out by enterprises on customers is an effective means to control the risk of accounts receivable.。

Generally speaking，Enterprises can only classify accounts receivable from customers with higher credit ratings as factoring business，Only then will it be possible to successfully obtain higher credit limit approval from the factoring agency.，This is also a prerequisite for factoring financing。Businesses that do not have the ability to conduct credit assessment and screening of customers，Due to improper selection of credit customers，It is often difficult to obtain credit line support from factors。

1. Professional accounts receivable plan management should be implemented。

Weighing the risk cost and financing options of accounts receivable in terms of total volume is an important factor for companies to consider outsourcing (factoring) services for accounts receivable.。in，The total amount of accounts receivable and the average account receivable period (DSO) are not only related to marketing performance，It is also the main source of cash flow risk.。

Sales department needed、Finance department together with credit department，Marketing opportunity cost、income level、Make trade-offs and decisions on the total amount of accounts receivable from various perspectives such as financing costs and risk costs.。On this basis，Develop a plan to obtain accounts receivable financing through factoring。

1. Establish a sales ledger recording and management system。

Factoring is usually a financing service provided for accounts receivable under each credit sales order.，therefore

Require

Enterprises can clearly record and distinguish accounts receivable for each sales business。This is quite different from the current accounts receivable recording and management methods of many enterprises in our country.。In management consulting practice we find，The accounts receivable records and management of some companies are mainly based on customers，Even a customer only keeps one general ledger。

This accounting and management method makes it difficult to start factoring business。therefore，Enterprises need to be based on orders，Implement sales ledger management method，Clearly and strictly record and manage the payment progress of each account receivable。

1. Establish a strict account recovery management system。as said before，Factors generally do not provide specialized collection services。on the contrary，Factoring business requires the establishment of standardized account settlement relationships between enterprises and customers.。

therefore，Enterprises cannot rely on fully entrusting the responsibility for debt collection to factors.，Instead, you must first establish your own account recovery management system。These include：Be clear to customers、Public credit and collection policies、Strict aging monitoring system、Customer deferred payment approval system and credit risk assessment and disposal system。

1. Pay attention to the hidden credit resources of enterprises： Business association reputation、Enterprise portal、Corporate news release WeChat public platform

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。