Port communication自贸区商业保理公司注册 深圳自贸区公司注册，Free Trade Zone Commercial Factoring Company Registration，Detailed explanation of registration conditions for commercial factoring companies。 2025Shenzhen Xinqianhai Factoring Company Registration
Require
(Both domestic and foreign capital can apply)： one、Conditions for handling foreign-funded commercial factoring companies： 1.The sponsor has a Hong Kong company established for more than five years，Issue the company’s audit report for the past year，Notarization by Hong Kong company lawyer，Proof of good bank credit standing。
2. Investors in commercial factoring companies should have the asset scale and financial strength corresponding to the factoring business，Have a sound corporate governance structure and complete risk internal control system，No recent violation record， And the total assets in the year before application are not less than 50 million yuan。 3. When applying for establishment, there should be 3 or more senior managers with more than 3 years of management experience in the financial field and no bad records.。
4. A commercial factoring enterprise shall be established in the form of a limited liability company with a registered capital of not less than RMB 50 million.，The registered capital of a joint-stock company shall not be less than RMB 100 million.。All investments are in the form of currency，Foreign capital includes legally obtained overseas RMB。 5. Commercial factoring companies should set up independent companies，The operating period generally does not exceed 30 years。 6. Commercial factoring enterprises should add the words "commercial factoring" in their names。
two、Conditions for handling domestic commercial factoring companies： 1、Registered capital shall not be less than RMB 50 million。 2、Profit in the past two years，Provide audit report，Assets reach more than 50 million。 3、When applying for establishment，There should be 3 or more senior managers with more than 3 years of management experience in the financial field and no bad records.。 4、The remaining relevant provisions are consistent with the conditions for foreign investment establishment.。
three、Business scope of domestic factoring companies： "Guaranteed payment agency (non-bank financing)" and "factoring-related business consulting" are common business scopes of domestic factoring companies，However, there are many more business scopes that factoring companies often add to the list.，Other business scopes if there is no special
Require
All can be written，For example, the following business scope：Operating import and export business、Economic Information Consulting、Invest and establish industries、supply chain management、Trusted asset management、Engage in guarantee business, etc.。
Four、Business scope of foreign factoring companies： According to the Ministry of Commerce’s Regulation on Hong Kong、Macau service providers in Shenzhen、Notice on the Pilot Establishment of Commercial Factoring Enterprises in Guangzhou"，The common permitted business scopes of foreign-invested factoring companies are as follows:： 1) Providing trade financing by transferring accounts receivable； 2) Collection and settlement of accounts receivable、Management and collection； 3) Sales account (classified) account management； 4) Non-commercial bad debt guarantee related to the company’s business； 5) Customer credit investigation and evaluation； 6)Related consulting services； 7) Other businesses permitted by laws and regulations。
According to the different basic functions and risk management methods of commercial factoring，Factoring companies can use their own resources to、People experience、risk appetite、Professional tendencies and other reasons，exert oneself
Advantages
，Develop a good business model。 1.“M+1+N” factoring model, also known as the core enterprise accounting model，It is also a model commonly used by commercial banks and most factoring companies.。
When operating this type of business，Commercial factoring companies must cooperate with core enterprises (central enterprises、State-owned enterprises、Listed companies) establish strategic cooperation relationships，And based on the core enterprise's business cooperation to serve upstream suppliers、Downstream distributors、Manage accounts receivable of upstream and downstream enterprises、accounts payable。
Factoring via contract order、Shipping information、Management of acceptance status and timely financial reconciliation，Confirm the authenticity of the underlying transaction、The formation of accounts receivable，Verify the core enterprise’s willingness to pay、Ability to pay and payment deadlines、methods etc.。
2. Lease factoring model: Leasing companies provide operating leases or financial lease services to lessees.，and transfer the undue rent receivable to the commercial factoring company，Commercial factoring companies build on this，Providing factoring services to leasing companies。
3. Supply chain enterprise cooperation model At present, a relatively mature supply chain management company business model has been formed in China.，Supply chain management companies are based on various customers in the industry chain and trade relationships between customers.，Integrated industrial chain logistics、capital flow、information flow，Provide logistics services and information services，and developed supply chain financial services with various financial institutions.。
Factoring business based on supply chain enterprise cooperation，It conducts credit assessment and risk management based on the transaction big data mastered by supply chain enterprises.，Treat companies in the supply chain as an overall ecosystem，Provide appropriate factoring products and services to various customers in the chain。
It replaces the core enterprises in the traditional factoring business with supply chain management companies，Not only does it avoid the operational difficulty of core enterprises in confirming rights,，It also directly links the commercial credit of small, medium and micro enterprises in the supply chain.，To achieve supply chain financial services based on real commercial credit among small, medium and micro enterprises。
4. Internet platform cooperative factoring model: On the one hand, commercial factoring companies can cooperate through Internet business platforms，Obtain online transaction data and financing needs of small, medium and micro enterprises，Expand business sources；on the other hand，Natural persons can be treated through the Internet financial management platform、Investors sell corporate debt，Expand financing sources。
Reluctance for traditional financial institutions to intervene、For difficult-to-manage credit financing of small and micro enterprises，The intervention of Internet cooperation platforms has greatly reduced the market development costs of factoring companies.，And make risk management based on transaction big data possible。Today, when online trading is booming，Commercial factoring companies will have great potential in this long-tail market。
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