Port communicationToday, Hong Kong Xintong will introduce to you the reasons why small and medium-sized enterprise owners pursue commercial factoring.，Let’s learn together! In the context of the downward pressure on the domestic economy，The scale of corporate accounts receivable increases，Extended payback period，The risk of accounts receivable arrears and bad debts has increased significantly，Causing banks to become cautious about factoring business。
recently，People's Bank of China Guangzhou Branch、Guangdong Provincial Economic and Information Technology Commission、Guangdong Provincial Department of Finance、Guangdong Provincial Department of Commerce、State-owned Assets Supervision and Administration Commission of the People's Government of Guangdong Province、China Banking Regulatory Commission Guangdong Supervision Bureau、The Guangdong Branch of the State Administration of Foreign Exchange forwarded the People's Bank of China and other seven ministries and commissions on the issuance of the "Special Action Plan for Accounts Receivable Financing of Small and Micro Enterprises"(2025-2025Year)》Notice。
notify
Require
Give full play to the accounts receivable financing service platform of the Credit Information Center of the People's Bank of China(Hereinafter referred to as the "Platform")The main role of other financial infrastructure in the financing of accounts receivable of small and micro enterprises，Encourage financial institutions to design corresponding products and services around the financing of accounts receivable of small and micro enterprises。
one、The concept of factoring Factoring is also called guaranteed agency、Collection guaranteed，It is a collection method in trade、When settling a loan on credit，A practice adopted by the exporter to ask a third party (factor) to bear the risk in order to avoid the risk of collection.。Factoring business is a collection of trade finance、Business credit investigation、Comprehensive financial services integrating accounts receivable management and credit risk assuming。As long as there is trade and credit sales,，Factoring is necessary。
Factoring business is divided into international factoring and domestic factoring，Among them, domestic factoring is developed based on international factoring.，Domestic factoring is divided into two types: bank factoring and commercial factoring.。two、The difference between commercial factoring and bank factoring 1、Key points of risk control: commercial factoring pays close attention to buyer’s credit，The solvency of the final payer，Rather than caring too much about who the holder of the accounts receivable is。
Bank factoring depends on the seller’s credit，It conducts risk control reviews based on traditional credit reporting systems and mortgage guarantees，Must pay more attention to the credit status of the holders of accounts receivable，So I prefer big companies。2、Qualification assessment commercial factoring companies focus on providing surveys、Collection、manage、Settlement、Financing、Guarantee and other comprehensive services，Pay more attention to the quality of accounts receivable、Buyer reputation、Goods quality，rather than corporate qualifications，To achieve complete transfer of unsecured and bad debt risks。
Bank factoring focuses more on financing，When handling business, strictly examine the credit status of the company，and requires sufficient mortgage support，It also takes up the company's credit line in the bank，therefore，Bank factoring is more suitable for large enterprises with sufficient mortgage and risk tolerance。
Xu Fengxian, a researcher at the Institute of Economics, Chinese Academy of Social Sciences, said，As an industry based on credit risk management，Commercial factoring actually “grafts” the credit of large enterprises to small, medium and micro enterprises.，Since the vast majority of small, medium and micro enterprises provide products or services to large enterprises in the supply chain,，As long as sales are stable、operating normally、Financially sound，meet the credit conditions，Commercial factoring companies will judge their performance risks based on the authenticity of their trade.。
Relative to bank factoring services，Commercial factoring is more like "timely rain" in the development process of small businesses.，for its flexibility、maneuverable、fast、The convenient method is highly sought after by small and medium-sized business owners。If you still want to know more about this aspect，Welcome to consult Hong Kong Xintong at any time!
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