利用银行国内保理业务解决拖欠工程款的探索

Taking advantage of bank′s domestic factoring service to solve defaults of payment for construction

建设单位拖欠建筑业企业工程款已成为建筑业最难根治的顽症。作为一种集融资、结算、帐务管理和风险担保于一体的综合性服务,利用银行开设的国内保理业务解决拖欠工程款问题的思路,它既可以为银行提供新的利润增长点,也能妥善解决建筑业企业从事工程实践的后顾之忧。当然,要保证这一方式的可行性、合法性和可操作性,必须加快改革步伐,构建相关的支撑环境,这包括:大力开展国内保理业务,广泛推广保理概念,尽快完善配套设施的建设以及加强国内保理业务的风险管理。

The most annoying persistent ailment in construction circle is the default of payment for construction. Factoring, as a comprehensive service of fund raising, account settlement and account management, should play a crucial role in receivable account management. A fairly novel means for solving defaults of payment for construction is to take advantage of bank's domestic factoring service. This means can not only improve bank's profit rate, but solve construction corporations' ailment. But its feasibility, legitimacy and practicability greatly depend upon relevant supporting circumstances and the speed of reform.