Research On The Financing Model Of Accounts Receivable In Small And Medium - Sized Commercial Banks

Real right for chattels security is the most active area of real property law, which has a very close relationship with institutional innovation, the level of economic development, and economic structural adjustment. Expanding the range of effective collateral is conducive to help solve the plight of SME financing. Experience in other countries shows that chattels secured financing especially accounts receivable financing can improve the stability of the financial markets and reduce the risk. With the intensification of competition among banks, small and medium-sized commercial banks will gradually turn their attention to SMEs, whose demands for accounts receivable financing is rising. How to accelerate the development of accounts receivable financing business has become an important issue that a small and medium-sized commercial bank should study. Aiming to clarify the legal basis of the accounts receivable financing business and theoretical elements, this paper analyzed the risks and difficulties of accounts receivable financing business and put forward suggestions for the development of small and medium-sized commercial bank accounts receivable financing business. At a concrete case study for the detail use is given.The paper is divided into three chapters. Provides an overview of accounts receivable financing, chapter one introduces the legal definition, scope of application and business functions of the receivables. Second chapter, accounts receivable financing business in the use and development status of small and medium-sized commercial banks, focus on reviewing the course of development of accounts receivable financing business of the domestic commercial banks and introduces their existing product models, cases, risk analysis and interpretates the predicament of accounts receivable financing business development. The third chapter, the strategy of developing accounts receivable financing business in small and medium-sized commercial banks suggests legislation improvments, risk management optimization and development strategy.Discuss and research the accounts receivable financing business in commercial banks, this paper carries out two business models of accounts receivable financing business innovation in a commercial bank and fully demonstrated the active business thinking, innovation-driven, transition determination and action of small and medium-sized commercial banks.