福费廷服务的法律思考

Legal Study on the Forfaiting

福费廷是一种新兴的以无追索权为特点的国际融资服务项目。西方国家的绝大多数大银行都开展了此项业务,而我国银行和贸易商对此了解不多。中国在入世时承诺的五年过渡期即将结束,外资银行纷纷抢滩中国市场,凭借其丰富的管理经验和优质多样的服务品种积极争夺中国国内的优质客户,南京爱立信"倒戈"花旗银行便是例证。中国的银行业面临前所未有的严峻局面。福费廷的研究和利用能使中资银行在竞争中获得一席之地,更好地迎接挑战。

Forfaiting is a new kind of international financial credit service which discount without recourse. The majority of banks in Western countries make the service. However it is unfamiliar to Chinese banks and exports. Since five-year transitional period will pass as China promised to WTO, Chinese banks are confronted with more challenge. Many foreign banks squeeze into Chinese financial market, whose rich management experience and high-quality service are wresting many high-credit customers from Chinese banks. The fact that Nanjing Eilson Company turned to accept the long-term service of U.S. Citibank instead of its original Chinese bank is a good example. The study and utilization on forfaiting can help Chinese banks get more market share in the race with the foreign banks.