从南京爱立信事件看银行应收账款业务的发展

The Study on Development of Accounts Receivable Business for Banks Based on Nanjing Ericsson Event

南京爱立信公司自2001年下半年起将在中资银行的贷款陆续归还、部分转向上海外资银行贷款的事件值得我们认真调研、积极讨论。本文对该事件进行了原因分析,指出应收账款业务具有“三高”“两增”的特性:人力成本高、管理风险高和经营利润高,金融服务增加和活期存款增加,从而为银行应收账款业务发展提出几点认识和建议。

This paper analyzes the characteristics of account receivable through the event of Nanjing Ericsson Corporation who transferred their credit relationship from Chinese banks to foreign banks. Some thoughts and suggestions for developing accounts receivable business of banks are put forward accordingly