中资银行开展福费廷业务的风险及防范

Risk and Defense for Chinese Commercial Bank's Forfaiting Business

福费廷是一种融资工具。包买商以无追索权方式买断从进口商那里收到的通常由出口商所在地银行所承认的汇票或本票。福费廷业务在国际金融市场上历史悠久,但是对于中资商业银行来说还是一个新课题。为了增长利润,中资银行必须在开展福费廷业务的同时,认识到其中存在的风险并及时加以防范。

Forfaiting is a kind of financial instrument. The Forfaitor buys draft or promissory note, which is usually accepted by exporter＇s bank, from importer without recourse. Forfaiting business has a long history in international financial market, but is still a new course for Chinese commercial banks. To raise the profit, Chinese banks must adopt countermeasures to take the risks under control when developing the business of forfating.