Research On China's Commercial Factoring Supervision System

A large increase in recent years,the enterprise accounts receivable,make commercial credit between enterprises general settlement way,such a huge potential market has attracted each capital into the factoring industry,in which commercial factoring industry faces great opportunities for development,it will have belong to own a new era of rapid development.However,as the scale of business factoring continues to expand,the problem is constantly highlighted.At present,China's commercial factoring is in a state of disorderly development,in each pilot area,there are various management methods,unclear supervision subjects and relevant laws and regulations are not perfect,once these problems are not timely and effective solution,not only will affect the legitimate rights and interests of factoring,but will also spread to the whole factoring industry,It could even spill over into other industries,triggering a wide range of financial risks.In the face of such a grim situation,it is urgent for the relevant regulatory authorities to regulate commercial factoring in a timely and effective manner.This article mainly through four chapters content launches the elaboration,the first part mainly carries on the carding to the factoring some basic questions,specifically introduced factoring's definition,the classification as well as the bank factoring and the commercial factoring difference,for the later content elaboration completes the foreshadowing.The second part is mainly to explore the necessity and theoretical basis of business factoring,in order to provide theoretical support for the regulation of commercial factoring,so as to make the exercise of supervisory authority more reasonable.The third part is about the present situation of commercial factoring regulations and lack of in-depth analysis,this part mainly from Shanghai,tianjin,chongqing and other regulatory status quo of three pilot areas,they are drawn in the entry qualifications,scope of business and regulatory measures,thus summarizes our country commercial factoring regulations exist legislative level is low,do not have a unified regulatory body,absence of regulatory system,risk control consciousness is not strong.The fourth part is last chapter of the paper,it is the final stop of the whole article,the concrete content is mainly based on the commercial factoring in the third chapter regulation of preliminary put forward some Suggestions for perfecting,commercial factoring future theoretical research to provide some new perspectives,devoted to for the healthy and orderly development of commercial factoring business ideas,encourage commercial factoring industry developing better and faster.