Port communication港信通-今天给大家介绍下商业保理有哪些业务模型，大家一起来学习下吧！商业保理的概念商业保理是一整套基于保理商和供应商之间所签订的保理合同的金融方案，including financing、Credit risk management、Accounts receivable management and collection services。The factor assigns the supplier's accounts receivable according to the factoring contract and makes payments on behalf of the purchaser.。If the buyer cannot pay，The factor pays the supplier。
At present, commercial factoring in my country is mainly divided into the following four categories according to business models:：one、Explicit factoring and covert factoring are divided according to whether the debtor is notified of the factoring business (i.e. transfer of creditor's rights).，Factoring can be divided into explicit factoring and implicit factoring.。
In implicit factoring, the seller (i.e., the financier of the factoring contract)，债权转让方，是产生债权债务关系的基础合同，That is, the creditor after the original contract is performed) transfers accounts receivable (creditor's rights) or other amounts in order to avoid letting the other party (debtor) know that it has insufficient liquidity，Failure to notify the debtor of the factor's involvement，When the payment is due, the seller (creditor) will still call for payment.，After the debtor repays the debt receivable to the seller (creditor)，再由卖方（债权人）向保理商偿还融资款而明保理与则与其相反，The creditor shall notify the debtor of the transfer of the creditor's rights at the outset，The debtor repays the financing directly to the factor。
two、Factoring with recourse and factoring without recourse are divided into factoring with recourse and factoring without recourse depending on whether the factor retains the right of recourse.。Factoring with recourse is when the factor buys the seller's accounts receivable.，If the debtor fails to pay when due or fails to pay in full，The factor is unable to collect the financing amount on the maturity date，The seller will bear the factoring responsibility of unconditionally repurchasing part of the outstanding accounts receivable.。
In factoring with recourse，Although the accounts receivable have been transferred to the factor，But the credit risk is still borne by the seller，Regardless of the reason the debtor is unable to pay，The factor has the right to pursue part of the outstanding payment from the seller。Non-recourse factoring is the opposite of recourse factoring，The risk that the debtor cannot pay when due is borne by the factoring company.，No right to recover from seller。
three、Pool factoring and fixed factoring are based on whether the seller can use the funds to collect the accounts receivable.，i.e. repeated financing，Factoring business can also be divided into pool factoring and fixed factoring。Pool factoring refers to when accounts receivable are collected，Under the condition that "effective accounts receivable balance in the accounts receivable pool × financing ratio + factoring margin account balance ≥ financing balance"，A business model that allows the seller to use accounts receivable collection funds。Pool factoring is generally suitable for sellers with stable accounts receivable。
Fixed factoring refers to a one-time transfer of accounts receivable for financing and successful payment collection.，The business model that will end the factoring business。Four、Refactoring Refactoring is currently a common model for cooperation between commercial factoring companies and banks in my country.，That is, the commercial factoring company transfers its assigned accounts receivable to the bank.，to obtain bank financing，Or the business operation mode of obtaining intermediate handling fees。
Article 19 of the "Notice of the General Office of the Tianjin Municipal People's Government forwarding the Tianjin Commercial Factoring Industry Pilot Management Measures formulated by the Municipal Commerce Commission and nine other departments" contains regulations on this business type.，“Banks can provide regular quantitative financing to commercial factoring companies，Purchase the factoring business of a commercial factoring company，Provide accounts receivable management、Business process management and electronic information system services，Develop products such as reassignment of accounts receivable，Establish a suitable factoring business model。
”如果你还有关于这方面的知识想要了解，Welcome to consult Hong Kong Xintong at any time!
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。
