Port communicationShenzhen commercial factoring companies are developing rapidly，To set up a commercial factoring company, look for Hong Kong Xintong - Factoring business is a premise that the creditor transfers its receivables.，Raise financing、Collection of receivables、Comprehensive financial services integrating management and bad debt guarantee。In my country’s foreign trade settlement，The proportion of letter of credit settlement has dropped to less than 20%，Credit sales ratio increased to over 70%。Industry insiders estimate，In China’s domestic market，The total amount of receivables is as high as 20 trillion yuan。
thus，It is undoubtedly very important for enterprises to achieve efficient utilization of funds through the factoring business of registered commercial factoring companies.。2025February，People's Bank of China、The China Banking Regulatory Commission and other eight ministries and commissions jointly issued the "Several Opinions on Financial Support for Stable Growth of Industry, Adjustment of Structure and Increased Efficiency" (hereinafter referred to as the "Opinions"), proposing to "vigorously develop receivables financing"。
thus，Receivables financing, with the support of policies, registered commercial factoring companies are facing major development opportunities，at the same time，The registration of commercial factoring companies that are highly related to receivables may also usher in a new wave of rapid growth.。Receivables financing may steadily advance "accelerate the development of corporate asset securitization businesses such as receivables securitization"，Revitalizing the existing assets of industrial enterprises”，"Vigorously develop receivables financing"。
This "Opinion" contains two clear statements on the issue of corporate receivables.，It can be seen that accounts receivable have become an important sensitive point in the current economic background.，Policy support can not only effectively reduce the business risks of enterprises,，It can also promote the healthy adjustment of the economic structure.。
China Investment Consulting pointed out in the "In-depth Research and Investment Prospects Forecast Report on China's Commercial Factoring Industry from 2025 to 2025"，Against the backdrop of continued economic downturn，Corporate receivables are a critical pivot point，If the receivables in any link of the industrial value chain cannot be effectively liquidated and ensure the normal circulation of funds within the value chain,，All may lead to the "triangular debt" dilemma，There have even been serial bankruptcies of companies in the industrial value chain.。
thus，Taking into account the sensitivity and importance of receivables，This Opinion clearly states that，Promote more supply chains to join the receivables pledge financing service platform，Support commercial banks to further expand the scale of receivables pledge financing。In this way，Based on supply chain，Commercial banks increase support for receivables pledge financing，Not only can it effectively reduce the business risks of enterprises,，It will also help reduce the non-performing ratio of the banking system.。
also，Realizable resources with economic value to the enterprise are also included in the scope of receivables financing support.。“Strengthening the construction of a unified registration system for movable property financing，Improve the pledge and transfer of receivables、Pledge of income rights under franchise rights、Pledge of future income rights of contract energy management、finance lease、Deposit pledge、Registration services such as inventory and warehouse receipt pledge”。
thus，Realizable assets of enterprises can effectively help enterprises solve capital liquidity problems，Operational pressure has also been significantly relieved。"Establishing a receivables transaction mechanism，Solve the problem of large enterprises arrears of funds to small, medium and micro enterprises。Promote large enterprises and purchasing entities to actively confirm receivables，Helping SME suppliers with financing”。
As the largest group affected by the arrears of receivables, small, medium and micro enterprises have also received clear support from the policy this time.，This will also contribute to the sustainable development of small, medium and micro enterprises。actually，While policy support，Related attempts at financing corporate receivables have also begun。2025February 3，China Electronics Receivables Phase I Asset Support Special Plan held a listing ceremony on the Shanghai Stock Exchange。
The first successful attempt by a central enterprise will undoubtedly pave the way for the enterprise to carry out securitization of receivables in the future.、Market resource allocation provides reference。Commercial factoring itself is a big market，Nowadays, many domestic enterprises have tight capital chains.，An important reason is that many companies have too much working capital occupied by receivables.，Leading to poor circulation of one's own funds。
The original intention of factoring business is to target the company’s external receivables.，Provide financing to businesses，It is equivalent to the enterprise collecting the receivables in advance and using them at a certain cost.。At present, the volume of domestic commercial factoring business is still very small.，So in terms of market space，The prospects for commercial factoring are very good。
But if we look at it from a realistic perspective，Domestic commercial factoring now faces two more difficult problems.，One is that it is difficult to verify the authenticity of receivables.，Technically speaking, this is a big challenge for factoring.，In addition, the domestic credit environment is not very good.，Many financial institutions that engage in receivables financing have been deceived by false receivables.。So now many factoring companies hope to work around a big company，Make the receivables of this large company's downstream small businesses against this large company。
One is the source of funds，All debt-financing institutions must have leverage to grow bigger，Improve ROE，Nowadays, commercial factoring companies generally lack external financing channels.，The reason is that the capital strength of domestic factoring companies is generally not very strong.，Financial institutions are naturally unlikely to provide factoring companies with too high leverage。
And if the factoring company only handles the receivables of large companies,，Then many financial institutions can directly do，Why should we provide financing to factoring companies and let the factoring companies do it?。so， Hong Kong Information Communication-Feel，Those factoring companies that can build their own moat (based on specialized factoring business that is familiar with specific market segments)，There are still broad prospects。What do you need? We can help you solve it one by one!
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