Port communication深圳商业保理公司注册 保理业务的简介深圳商业保理公司注册 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 （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、实务课程助您成为金融界的实力派！欢迎关注金融干货！ 对于进货商来说，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、保理业务的流程 商业保理业务主要涉及保理商、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。
five、Risks of factoring business 1、trading risk：Performance risks arising from the transaction process，The seller is unable to complete the contract，Buyer is unable to pay； 2、Industry risk：Credit risks arising from deterioration in buyer's solvency caused by industrial recession； 3、legal risks：trade contract、Defects in transfer of claims、Risks such as notice of transfer of claims； 4、moral hazard：customer fraud、Risks arising from employee moral flaws； 5、credit risk：Credit risk for sellers and buyers； 6、operational risk：Risks arising from the factor’s internal operations。
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