浅谈出口信贷项下的福费廷业务

Study on Forfaiting Business under Export Loan

福费廷业务是国际金融业务品种不断创新的产物,是银行以无追索权方式买断出口商远期票据、为其提供贸易融资的行为。发展此项业务需具备三个条件:日益增加的进出口量,延期付款增加导致资金需求增加,外汇头寸增加导致更多投资需求增加。随着我国国际贸易的迅猛发展,国有银行已初步具备开办福费廷业务的现实基础,但同时也面临一定的问题。

Forfaiting business is the outcome of the new ideas from the international financial business, it is the action that the bank bought all the long-term bills from the export trade in a untraced way and provided trade financing. There are three factors that must be needed for developing this business： the increase of import and export, the increase of deferring payment caused the increase of capital need, the increase of foreign exchange supply caused the increase of more investment need. With the quick development of our international trade, the national banks has already have the practical foundation of starting the forfaiting business, but at the same time some problems must be solved.