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银行保理业务作为一项综合性业务,是建立在买卖双方商品赊销或承兑交单等适应买方市场要求的国际贸易方式基础上,主要通过银行提供应收账款管理、销售信用控制、坏账担保以及贸易融资等各项服务,已广受出口企业亲睐。近来,受生产成本上升、人民币升值、美国次贷危机等影响,中国企业出口融资难度和收汇风险进步加大,此为中国银行开展保理业务提供巨大机遇和挑战。本文主要就当前中国银行借鉴国际经验开展保理业务的紧迫性、模式、风险防范等进行分析,并据此提出对策建议。
As a comprehensive business, bank factoring business is established on the basis of the international trade methods such as the buyer’s and seller’s goods credit or acceptance payment meeting the requirements of the buyer’s market, mainly providing bank receivables management, sales credit control and bad debts guarantee As well as trade finance and other services, has been widely favored by exporters. Recently, due to the impact of rising production costs, the appreciation of the renminbi and the subprime mortgage crisis in the United States, the difficulty in export financing and risk-taking of foreign exchange earners in the PRC has been greatly enhanced. This has provided tremendous opportunities and challenges for the Bank of China to conduct factoring business. This paper mainly analyzes the urgency, mode and precaution of factoring business carried out by Bank of China on the basis of international experience and puts forward countermeasures and suggestions accordingly.