我国保理业务发展状况的研究及对策分析

Study on the Necessity to Develop Factoring and the Countermeasures in China

保付代理简称保理,是一项集融资、结算、财务管理、信用担保为一体的综合性业务。银行、贸易结算各界专业人士都非常关注保理业务,但中国的保理业务规模发展相对缓慢,与中国贸易大国的地位很不相符。现阶段中国宏观经济政策经过了多次调整,给中国的金融和贸易都带来了一定的影响,文章通过对中国宏观经济、国际贸易、金融机构现状研究发现,为了促进中国未来经济发展,有必要大力开展保理业务。文章就具体发展方式提出了相应的对策。

Factoring is a complete financial package that combines working capital financing, credit risk protection, accounts receivable bookkeeping and collection services. Experts in economics and trade have paid attention to factoring that has been operated in China. But factoring turnover is increasing very slowly compared with the turnover of the international trade of China, Recently, some the megaenvironment＇s elements, like the finance, have changed because the macroscopic economic policies were adjusted for several times. So at the present situation, this paper analyzes these issues below and finds out that China has the necessity to develop factoring strongly, which is good for Chinese economics. At last the paper concludes with the countermeasures.