中小企业坏账率日益增加，商业保理能否解忧

商业保理公司在金融市场上扮演着非常重要的角色，综合数据上显示，咱们国家的中小企业在经营上坏账率特别高，远远高于西方的发达国家，所以需要用到商业保理的地方也是显而易见的，我们不能改变社会的环境，但是可以通过结合商业保理公司的

Advantages

减少坏账率，促进经济的良好发展。

可以注册商业保理公司的地区 ：Tianjin，Shanghai，Shenzhen，这些地方的金融类公司也开始受限了，商业保理的政策也在收紧，现在必须要在前海或者广州自贸区，才可以注册，而且必须要实际的地址，有些经营范围也对注册资金有

Require

，如果说您不能满足现在的

Require

It doesn't matter，我公司现在有一家转让的商业保理公司，The company has never operated，可以放心收购，所以别再等待，别再观望了，别等来了高价。

深圳市商业保理协会会长尹江山表示，商业保理行业之所以能够在自2012年试点以来保持高速发展，业务需求日益增加，原因在于产能过剩成形成了买方市场，赊销模式下催生了更多更长期的应收账款，其中大部分是商业保理主要服务的小微企业。

Commercial factoring as a trade finance tool，以债权人转让应收账款为前提，Set accounts receivable financing、Accounts receivable collection、应收账款管理及坏账担保于一体的综合性金融服务，盘活了企业不断上升的应收账款存量，有效解决了小微企业融资难、The problem of expensive financing。

前海商业保理公司注册优惠政策：

1. Enjoy 15% corporate income tax discount
2. Enjoy financial assistance and settlement incentives and other support
3. Cross-border interest rates are as low as 3%-4%
4. No place of registration required(Free admission to Qianhai Business Secretarial Center)The feasibility study report should include the following contents：
5. Basic information that the main investor is a corporate legal person or other social and economic organization：include name、Place of registration、Registered capital、Legal representative, etc.。

Foreign investors or their affiliated entities have performance and experience in factoring business。

1. Commercial factoring enterprise establishment plan：a.Basic situation of the enterprise：Include intended name、Place of registration、legal representative、Total investment and registered capital、Investment structure、Business scope；b. Investment scale analysis、Funding source description；c. Management organization setup and staffing。
2. Introduction to the proposed commercial factoring business：Includes market analysis、Operation process and characteristics、Risk control system, etc.。

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