Port communication中小企业要想生存，需要快速高效的融资渠道。But at home，Bank customers still prefer large enterprises，Coupled with the imperfect social credit system，Financing difficulties have increasingly become a stumbling block to the development of small and medium-sized enterprises。As far as SMEs are concerned，60%的资产是应收款，而保理业务正是针对应收款推出的融资服务。
The specific operating mode is，销售商将其与买方订立的销售合同所产生的应收款转让给保理商，Trade finance provided by factors、Sales account management、应收款的催收、信用风险控制与坏账担保等综合性金融服务。保理商的利润通常由融资利息与保理服务佣金两部分构成。Since commercial factoring was promoted in my country in 2012,，Relevant organizations have sprung up like mushrooms after a rain。
As of the end of December 2013，The number of commercial factoring companies nationwide has reached 287，An increase of 4.5 times compared with the end of 2012；The total registered capital of all enterprises exceeds 29.3 billion yuan。in，71 companies registered in Qianhai，Occupying a quarter of the country’s total。The reporter learned，Many factoring companies choose Qianhai，What I like is Qianhai’s preferential treatment in cross-border RMB business.。
According to policy，前海跨境人民币的综合成本在4.5%左右，而内地银行的成本在6.5%左右，注册在前海的商业保理公司通过跨境人民币融入香港人民币资金，It can save the enterprise at least two points of cost.，Save about 1.14 billion yuan，thereby directly increasing corporate profits。also，深圳也有着有大量为高信用大型企业如华为、中兴配套的中小企业。
一位企业负责人告诉记者，像华为就有几百家配套企业，涉及组件生产、Package、物流和服务外包等领域，形成了产业集群，这些中小企业有巨大的融资需求，也便于形成金融产业链。因此他非常看好商业保理业务在深圳的发展。
以下为前海保理公司注册（内资与外资均可办理）信息：one、Conditions for handling foreign-funded commercial factoring companies： 1.The sponsor has a Hong Kong company established for more than five years，Issue the company’s audit report for the past year，Notarization by Hong Kong company lawyer，Proof of good bank credit standing。
2. Investors in commercial factoring companies should have the asset scale and financial strength corresponding to the factoring business，Have a sound corporate governance structure and complete risk internal control system，No recent violation record ， And the total assets in the year before application are not less than 50 million yuan。 3. When applying for establishment, there should be 3 or more senior managers with more than 3 years of management experience in the financial field and no bad records.。
4. A commercial factoring enterprise shall be established in the form of a limited liability company with a registered capital of not less than RMB 50 million.，The registered capital of a joint-stock company shall not be less than RMB 100 million.。All investments are in the form of currency，外资包括合法获得的境外人民币。 5. Commercial factoring companies should set up independent companies，The operating period generally does not exceed 30 years。 6. Commercial factoring enterprises should add the words "commercial factoring" in their names。
two、Conditions for handling domestic commercial factoring companies： 1、Registered capital shall not be less than RMB 50 million。 2、Profit in the past two years，Provide audit report，Assets reach more than 50 million。 3、When applying for establishment，There should be 3 or more senior managers with more than 3 years of management experience in the financial field and no bad records.。 4、The remaining relevant provisions are consistent with the conditions for foreign investment establishment.。
three、外商投资商业保理公司经营范围：（1）以受让应收款的方式提供贸易融资；（2）应收款的收付结算、Management and collection；（3）销售分户（分类）账管理；（4）与本公司业务相关的非商业性坏账担保；（5）客户资信调查与评估；（6）相关咨询服务；（7）法律法规准予从事的其他业务。
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