Port communicationCommercial factoring company registration conditions and business scope How to register a Shenzhen commercial factoring company、What are the requirements? Conditions for handling foreign-funded commercial factoring companies and a complete business scope of commercial factoring companies。Introduction to commercial factoring：What is factoring? It turns out that one hand pays the money and the other hand delivers the goods.，Once you have credit, you don’t have to pay money first.，You can pay late，So there is factoring，So factoring deals with credit，This is the logic of factoring。
A profitable business model must be such a simple logic，Solve actual credit problems between businesses without immediate payment，But the current domestic commercial factoring environment is very strange.，There are indeed many people who rush in without any logic.，Don't complain，Let’s talk about the origin of factoring first。
Internationally, traditional commercial factoring began with the issue of trust when sellers provide credit terms to foreign buyers in international trade.，In order to solve this problem，Factoring from cargo supervision，Reconciliation，To provide credit guarantee to the buyer，Then provide financing for the seller，It grew up naturally。Factoring is closely related to the industry，developed to the present，Many factoring companies also rely on deeply cultivating a niche industry.，Manage and resolve credit issues between upstream and downstream，Accounting and other issues。
The four major functions of traditional factoring are basically finalized： 1Accounts receivable management(It can also be understood more commonly as reconciliation)2Provide factoring financing for sellers 3. Provide credit risk guarantee for buyers 4. Collect accounts from buyers Then look for these four traditional functions，Return to China。Is factoring an imported product?
Not entirely，Many businesses that sprout spontaneously are actually factoring.，For example 1：Sellers are strong，Proactively provide buyers with(dealer)credit(Commonly found in group finance companies)，The seller controls the logistics himself，Reconciliation，buyer credit，Only financing is provided to the buyer 2: Buyers are strong，buyer(dealer)Use your own channels
Advantages
，Counter pressure on the seller’s account period，My personal understanding is that the buyer uses his or her buyer's credit，Leverage your control over the flow of goods，Controlled the seller's accounts receivable(Extend the billing period as much as possible)，This model creates sufficient cash flow for the buyer，Suning, which everyone is very familiar with，Gome。
This is also the factoring of natural growth in China.。3:Third-party supply chain service provider，This is an emerging industry，Big as Tmall，Jingdong，This kind of platform-level company has mastered logistics，information flow，Naturally embedded in the capital flow between buyers and sellers，Provide financial services，There are also Eternal Asia，All large and small supply chain service providers in Shenzhen fall into this category.(Foreign UPS has also entered the factoring industry from logistics.)。
They all naturally become factoring agents，Can suppress the seller’s billing period，Financing for the seller，Can encourage buyers to consume，By the way, give the buyer a note(equal to buyer's credit guarantee)。 Everyone is already enjoying the factoring services they now offer。4.wild factoring company。
Providing factoring financing to small and medium-sized enterprises，How to rely on small loans，Trade finance practices are available，But it’s hard and tiring，Because of the imperfect legal environment in the country，and a poor credit environment，casual business practices，The settlement method will torture them。But if you have experience in related industries,，Still worth doing。5.Pure account management platform。
Now there are people doing cloud accounting for small and micro businesses，Accumulate a certain amount of accounts receivable data，Accompany the growth of small and micro enterprises，Maybe cloud accounting platform in the future，There are also b2b platforms in different sub-sectors that will become big data factoring companies.，There may also be high-frequency reconciliation needs between enterprises that can be solved through the Internet. If small and medium-sized enterprises want to survive,，Need efficient financing channels。
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%The asset is accounts receivable，Factoring business is a financing service launched for accounts receivable.。
The specific operating mode is，The seller assigns the accounts receivable arising from the sales contract entered into with the buyer to the factor，Trade finance provided by factors、Sales account management、Collection of accounts receivable、Comprehensive financial services such as credit risk control and bad debts。A factor's profit usually consists of two parts: financing interest and factoring services.。 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，The comprehensive cost of cross-border RMB loans in Qianhai is around 4.5%，The cost of loan from mainland banks is around 6.5%，A commercial factoring company registered in Qianhai introduced Hong Kong RMB funds through cross-border RMB loans，It can save the enterprise at least two points of cost.，Save about 1.14 billion yuan，thereby directly increasing corporate profits。one：Conditions for foreign commercial factoring registration：1. Registered capital shall not be less than RMB 50 million。
2. Investors should have the appropriate asset scale and financial strength to carry out factoring business，No recent violation or penalty record。3. Should be established in the form of a limited liability company。4. The name should indicate "commercial factoring"。
5. Corresponding management systems should be established to carry out factoring business，Improve relevant business processes and operating specifications，Submit financial statements every six months、Compliance instructions、Report business development to the Municipal Economic and Trade Information Committee，and verify the authenticity of reports and information、accuracy、responsible for integrity。6. When applying for establishment，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。
two、Business scope of commercial factoring company：1.Export Poly、Domestic factoring；2.Consulting services related to commercial factoring；3.Credit risk management platform development；4.Other related businesses approved by the approval department；5.Not engaged in taking deposits、Specializes in or is entrusted with commercial factoring and non-channel collection business、business、fiduciary investment、Other activities prohibited by state regulations。
Shenzhen Gangxintong-Business Information Co., Ltd. is a senior professional consulting service expert in special zones (Shenzhen Qianhai and Shanghai Free Trade Zone) in the industry，He is also one of the pioneers and leaders in the domestic special economic zone professional consulting industry.。
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