商业保理注册流程及条件

品牌华发一.定义：Factoring, also known as collection and guaranteed payment，卖方将其现在或将来的基于其与买方订立的货物销售/服务合同所产生的应收账款转让给保理商（提供保理服务的金融机构），Financial facilities provided by factoring companies、Buyer credit assessment、Sales account management、Credit risk guarantee、A comprehensive financial service approach that provides a series of services including debt collection。

It is used for collection in commercial trade、When settling payment on credit，In order to strengthen the management of accounts receivable, the seller、A practice of entrusting a third party (factor) to manage accounts receivable to enhance liquidity。

二.申报条件（以深圳前海内资、外商投资商业保理公司为例）前海内资商业保理公司申报条件：

1. Investors in commercial factoring companies should have the appropriate asset size and financial strength to carry out factoring business，No recent violation or penalty record；The main investor should be a corporate legal person or other social and economic organization (can be a natural person) who is familiar with the relevant industry；
2. Commercial factoring companies should be established in the form of limited liability companies。

The registered capital is no less than RMB 10 million (subscribed) and the source is true and legal.；3、When applying for establishment of a commercial factoring company，There should be more than 2 senior managers with more than 3 years of management experience in the financial field and no bad credit records。

Senior managers refer to managers who hold the position of deputy general manager or above or equivalent positions；

1. Commercial factoring companies are not allowed to operate mixed businesses；
2. Commercial factoring companies should have a complete internal control system，including but not limited to risk assessment、business process operations、Monitoring and other systems；
3. Other conditions stipulated by laws and regulations。

134-170-46218前海外商投资商业保理公司申报条件：

1. Investors in commercial factoring companies should have the appropriate asset size and financial strength to carry out factoring business，No recent violation or penalty record；The main investors should be corporate legal entities and other social and economic organizations；且在申请前一年总资产不低于3000万元人民币。
2. Commercial factoring companies should be established in the form of limited liability companies。

公司注册资本不低于3000万元人民币，All are paid-in monetary capital，And the source is authentic and legal。3、When applying for establishment of a commercial factoring company，There should be more than 2 senior managers with more than 3 years of management experience in the financial field and no bad credit records。

Senior managers refer to managers who hold the position of deputy general manager or above or equivalent positions；

1. Commercial factoring companies should have a complete internal control system，including but not limited to risk assessment、business process operations、Monitoring and other systems；
2. Hong Kong and Macao service providers should also comply with the definition of "service provider" and related provisions in the "Mainland and Hong Kong Closer Economic Partnership Arrangement" and the "Mainland and Macao Closer Economic Partnership Arrangement" and their relevant supplementary agreements respectively.

Require

。

（CEPA协议）6、Other conditions stipulated by laws and regulations。三.经营范围（仅供参考）内资：保付代理（非银行融资类）外商投资：从事贸易融资、Sales account management、Customer credit investigation and evaluation、Accounts receivable management and collection、Credit risk guarantee。134-170-46218

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