The Commercial Banks' Measures To Preventing The Legal Risk In Forfaiting

With the development of the whole world economic, Forfaiting, as one kind of the financial services for the international trade, is taken more and more attention by the bank because of it's positively function to the international trade. In the last few years, although the forfeiting develops quickly in the commercial banks of China, the commercial banks faces all kinds of the legal risks, because of the lack of the experience on the forfeiting and the comprehensive understanding on the elementary knowledge of Forfaiting, especially because of the imperfect rule on the law of Forfaiting.These legal risks exists in Forfaiting are divided into two big kinds by the commercial bank different role played in Forfaiting: one kind of legal risk is the risks of the guaranteeing banks faces with, another kind of legal risk is the risks of the forfaitors faces with. The two big kinds of legal risks make a great challenge to the commercial banks in China. So the correct recognition to these two kind of legal risks, not only is the premise and the foundation to prevent the legal risks in forfeiting of the commercial bank, but also is the important guarantee to the other kinds of risks. This article introduces the general knowledge of Forfaiting involves at first, and then analyses many legal risk spots in Forfaiting and seeks the reasons of the legal risks, Finally aiming at the legal risk spot, this article gives some suggestion to prevent and control the legal risks. The author hopes the suggestions can give the commercial banks in China a help to raise the ability of managing the legal risks in Forfaiting.