Thouhgt Of The Enterprise Credit Risk In International Factoring Business

International Factoring is an integrated international settlement, produced and developed from the practice in international trade, gathering a set of functions as trade finance, business credit investigation, and management of sales household accounts, accounts receivable collection, bad debt guarantees and others. As the formation of a buyer's market in international trade, the terms of trade such as the open account (O / A), delivery against acceptance (D / A) increase, so international factoring is applied in an increasingly wide range. In 2008, international factoring business volume in the world extended to 1,868,407 million dollars. In the same year, China's international factoring business volume is 77,550 million dollars. This state of affairs and the status of China's international trading power is far from phase-contrast, and it's also contrary to the trend of the development of international trade. For the reasons, with increased risk of China's current corporate credit, the commercial bank has not established an effective and diversified credit risk prevention tools, social credit environment all have to be further improved.This thesis makes a general introduction of international factoring business, including the concept, characters, running mode, the course of its'start and development; and the existence of a general credit risk in international factoring business and its management have been studied. The developing courses and constraints of credit risk factors of China's international factoring business is revealed, proposes that credit risk is one of the major factors that hinders the development of China's international. The enterprise credit risk is the major reason that makes it more difficult for banks to finance international factoring business, high cost of factoring business, etc. which have hampered China's international factoring business. This thesis put forward practical measures and proposals for credit risk prevention: First, improve the commercial bank's own risk assessment and risk prevention capacity; second, improving the social credit environment and so on.