Port communication中小企业融资现有的方式主要是银行信贷、担保公司担保，但是繁杂的手续和过程难解中小企业燃眉之急。商业保理是中小企业一种高效、direct、low risk、高收益的融资方案。企业将应付收账转让给商业银行及保理商，及时获得较为充足的现金流。商业保理通过收购企业已经销售的货款，高效解决中小企业资金问题。
保理的付款方为具有资金实力和市场消化能力的大型零售企业或终端，加上供应商的联保，资金安全可以得到有效保证。保理业务由于时间短、单笔金额少、供需联保，高效直接，风险控制较为容易，加上保理业务区别于信贷，盈利模式多种多样，收益比较高。
商业保理公司的申办条件1.投资主体条件1）持续经营一年以上的企业法人，且须持牌金融机构或者具有过硬的经营商业保理或相关金融行业经验企业；2）具备开展商业保理业务所需的足够资产规模和资金实力；3）有健全的公司治理结构和完善的风险内控制度，And there is no recent violation record；2.其他条件1）具有两名以上金融领域且不少于三年高管担任经验、无不良信用记录的高级管理人员；2）应以公司形式设立，拟设立的商业保理公司注册资本不能低于5000万，必须全部以货币形式出资，两年以内到齐；3）有完善的内部控制制度，including but not limited to risk assessment、business process operations、Monitoring and other systems；4）融资租赁公司如果兼营商业保理，则还需要额外满足融资租赁公司设立的规定。
Business scope：Commercial factoring companies can engage in trade financing upon approval、Sales account management、客户资信与评估、Accounts receivable management and collection、Credit risk guarantee and other services，Not allowed to engage in deposit taking、发放贷款等金融活动融资杠杆：1、为防范风险保障经营的安全商业保理企业展开业务是风险资产一般不得超过公司净资产的10倍。
2、风险资产（含担保余额）按企业的总资产减去现金、bank deposit、国债后的剩余资产总额确定深圳港信通-——诚信代理深圳内、Foreign company registration,Establishment of financing guarantee company，Pawn shop established，High-tech enterprise certification processing，Shenzhen agency company,Agent registration company,Industrial and commercial agent,Agent for foreign investment representative office registration，Agency company annual inspection changes，Agency accounting and tax filing,Act as an agent to apply for general taxpayers, etc.。
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About Hong Kong Xintong
Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
