Port communication1one、保理业务的简介保理是指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，The factor provides financing to the seller、Buyer credit assessment、Sales account management、Credit risk guarantee、催收账款等一系列服务的综合金融服务方式。
Factoring business is based on the creditor transferring its receivables，Integrated account management、Accounts receivable management and collection、Comprehensive financial services integrating bad debt guarantee and financing。The essence of commercial factoring is that suppliers based on commercial transactions，将采购商的信用转为自身信用实现应收账款的融资。two、保理业务的分类深圳商业保理公司注册（1）按有无追索权，It can be divided into factoring with recourse and factoring without recourse.。
Factoring with recourse (also known as repurchase factoring)，是指在应收账款到期无法从债务人处收回时，银行或保理机构可以向债权人反转让应收账款、
Require
Creditors repurchase accounts receivable or return financing。Non-recourse factoring (also known as buyout factoring)，是指应收账款在无商业纠纷等情况下无法得到清偿的，由银行或保理机构承担应收账款的坏账风险。
（2）按应收账款转让行为是否通知买方，Can be divided into explicit factoring and implicit factoring。Explicit factoring means that the supplier signs a factoring business contract with the factor and transfers the creditor's rights to the factor.，Factoring business notified to the buyer at the time of transfer and confirmed by the buyer。Dark factoring is a type of export factoring business，It means that although the supplier signs a factoring business contract with the factoring company, it transfers its creditor's rights to the factoring company.，However, the factoring business does not immediately notify the debtor at the time of transfer.。
three、factoring business
Advantages
For suppliers，First, it can provide more competitive payment terms to corporate customers.，Maintaining good customer relationships，It can also ensure the timely withdrawal of funds.，Speed up the circulation of funds，Increased corporate profits。Secondly，After the factoring business is launched, the factor can collect accounts and control credit risks.，Transferring risks to a certain extent to factoring。
also，Compared with the complexity of letter of credit transactions，The procedures for factoring business are relatively simple。Interesting articles in the financial circle、Module knowledge、Practical courses help you become a powerful person in the financial world! Welcome to pay attention to financial information! For purchasers，Because the factor provides suppliers with advance financing，Therefore, suppliers can give buyers more favorable payment terms，Conducive to business expansion of purchasers，increase in profits。
Four、The process of factoring business. Commercial factoring business mainly involves factoring companies.、seller、Three main entities of the buyer。first，There must be a contract between the buyer and the seller。After placing the order，The seller produces according to the order，Provide goods for credit sales after production is completed。然后它产生应收账款转让给保理商以后呢，保理商可以向这个企业提供应收账款融资。
Then after expiration，The factor collects money from the buyer，After buyer pays，Pay to the account designated by the factor，After the factor deducts the principal and interest，Return the remaining balance to the seller。The internal operating process of a commercial factoring company is generally as follows:：Accept consultation—Business contact—Verify information—Assess buyers and account status—Internal review and approval—Sign factoring contracts—Lend loans—Supervise enterprises and account status—Account collection—Receipts。
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