浅析我国商业保理的运营模式及风险控制

Analysis of the Operation Mode and Risk Control of Commercial Factoring in China

赊销已成为我国当今社会中小企业经营的主流模式,这导致企业资金短缺,加上融资难、融资贵等问题严重制约了企业的发展。商业保理为解决中小企业融资问题提供了一条有效途径。商业保理在国际上已经较为成熟,在国内也经历从探索到稳定发展的阶段,经营机构由商业保理公司发展到供应链金融公司等多种机构,商业保理的模式及服务内容不断丰富和拓展。保理业务中的核心企业、上下游企业、第三方物流企业及保理公司等参与主体合作,为商业保理的发展提供了基础和场景。论文分析了我国商业保理的运作模式,探讨其内在风险,在此基础上提出相关风险控制建议。

Credit sale has become the mainstream mode of operation for small and medium-sized enterprises in today's society in China,which leads to the shortage of enterprise funds,coupled with financing difficulties,financing expensive and other problems seriously restrict the development of enterprises.Commercial factoring provides an effective way to solve the financing problems of small and medium-sized enterprises.Commercial factoring has been more mature in the world,and also experienced the stage from exploration to stable development in China.The business organization has developed from commercial factoring company to supply chain financial company and other institutions.The mode and service content of commercial factoring are constantly enriched and expanded.The core enterprises,upstream and downstream enterprises,third-party logistics enterprises and factoring companies in the factoring business participate in the main body cooperation,providing the basis and scenario for the development of commercial factoring.This paper analyzes the operation mode of China's commercial factoring,discusses its internal risks,and on this basis puts forward relevant risk control suggestions.