Port communicationConditions for registration of a commercial factoring company 1) The buyer and seller reach a credit sales contract，Buyer sells goods to seller on credit。2) The seller submits a financing application to the factoring company。3) After the factoring company evaluates the buyer’s credit and gives the financing amount，Seller ships to buyer。4) The buyer transfers the income rights of the receivables。5) Factoring companies provide financing to sellers。
The financing amount is part of the receivables，The proportion is 60%-80% of the receivables (the proportion may be different) 6) The buyer pays the factor regularly (explicit factoring)。7) if overdue，Factoring company for collection。8) The factoring company returns the remaining payment to the seller.。
To better serve the real economy、Providing factoring services to small and medium-sized enterprises，The Ministry of Commerce has successively established offices in Tianjin since the second half of 2012、Shanghai、Guangdong、Chongqing、Jiangsu、Beijing and other provinces and cities launch commercial factoring pilot projects。Since the pilot，Number of registered commercial factoring companies in my country、Factoring business volume has doubled for three consecutive years。
As of the first half of 2025，Nearly 4,000 commercial factoring companies have been registered in my country，A 60% increase from the end of 2025；Completed commercial factoring business volume of more than 300 billion yuan，Equivalent to last year’s business volume。It is expected that 5,000 factoring companies will be registered by the end of this year，Factoring business volume will reach 600 billion yuan，Both will increase by 100% compared to 2025，The number of small and medium-sized enterprises served will reach 200,000。
The highlight of my country’s commercial factoring industry is its relationship with e-commerce、Integrated innovation of Internet finance and asset securitization，This area is also the area where factoring business is growing rapidly.。 current，Affected by comprehensive international and domestic factors，my country's economy has experienced the coexistence of "two lows and two high dilemmas"，That is, economic growth is low、low inflation rate，Non-financial companies have high leverage ratios、Asset bubble is high。
In this context，How to strengthen the construction of social credit system，Vigorously develop innovative small and medium-sized enterprise financing and risk management businesses，Realize the "precise drip irrigation" of finance into the real economy，It is an important issue that needs to be solved urgently in the field of financial economics in my country.。
According to data released by the National Bureau of Statistics，2025first half of year，The receivables of industrial enterprises above designated size nationwide are 11.62 trillion yuan.，A year-on-year increase of 8.0%，1.8% higher than profit growth rate from January to June，4.9% higher than the growth rate of main business income from January to June，It shows that under the background that corporate operating profits have recovered，The capital turnover situation of enterprises has not yet improved.。
From the perspective of credit management theory，The collection time of corporate receivables decreases by one day，It is equivalent to increasing the cash flow of one day's sales.。therefore，Vigorously developing receivables financing and risk management business represented by commercial factoring is of great significance and practical urgency under the current situation.。
Factoring business refers to the fact that the factor sells goods to the supplier as a transferee.、Receivables arising from provision of services or leasing assets, etc.，Collective receivables financing for suppliers、Sales account management、Comprehensive financial services integrating account collection and buyer payment guarantee。
There is an essential difference between factoring and lending，The nature of its business is the sale and purchase of receivable assets，The characteristic is that it relies on the credit of core enterprises in the supply chain.，Provide trade financing and risk management services to upstream and downstream small and medium-sized enterprises。
Shenzhen commercial factoring company registration conditions， For example，A factoring company affiliated to a large e-commerce platform，Its factoring business has achieved full online management，2014Homework every year，The factoring business volume reached more than 12 billion yuan，2025Annual business volume reaches 35 billion yuan，Basically achieve full coverage of platform suppliers，The average loan disbursement speed is about 3 minutes after the supplier applies.，The annual interest rate is controlled at around 9%，Effectively meets the financing needs of platform suppliers。
Shenzhen commercial factoring company registration conditions，(1) Investors in commercial factoring companies should have the appropriate asset scale 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 familiar with the relevant industry，And the total assets in the year before application are not less than 50 million yuan；(2) Commercial factoring companies should be established in the form of limited liability companies。
Registered capital shall not be less than RMB 50 million，All are paid-in monetary capital，One-time payment in full，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；(4) Commercial factoring companies are not allowed to operate mixed businesses；(5) Commercial factoring companies should have a complete internal control system，including but not limited to risk assessment、business process operations、Monitoring and other systems；(6) Other conditions stipulated by laws and regulations。
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