Risk Control Of Commercial Factoring In China

Along with the economical development,the buyers' market formed gradually,sells on credit the most main trade way,enterprise's account receivable scale has been more and more big,has taken enterprise's fund,has hindered enterprise's development,this time guaranteed the principle profession transport business to live.But current our country guarantees the principle many to the account receivable for commercial bank's service,also the bank guarantees the principle to be accommodating deficiently,the request is harsh,small and medium-sized enterprise financing eats the denying entrance continuously.In recent years,caters to the financial innovation the upsurge,our country trade guarantees the principle it may be said the mushroom growth blowout development,enterprise quantity creates new high repeatedly.But,guarantees the principle profession while the trade to obtain fast development opportunity,the trade guarantees the principle the risk question day by day to be also prominent,the trade guarantees the principle the risk control research to take a brand-new topic has received the universal value.Because our country trade guarantees the principle profession development existence start to be late,the region development not balanced and the system standard construction not perfect and so on the characteristics,the trade guarantees the principle risk guard system the construction to have to follow multi-level and the three-dimensional principle.This article the risk analysis,the trade which faces from the profession guarantee the principle risk the guard and control obtaining,the thin number existing trade guarantees the principle risk guard system the flaw,in the generalized analysis foundation proposed the improvement measure and the opinion,guarantee the principle risk control research for our country trade to provide the model.The paper second chapter introduced the trade guarantees the principle aspect the correlation theories foundation,mainly includes the trade to guarantee the principle the concept,and had demonstrated through the domestic and foreign literature summary domestic and foreign to guarantees the principle and the risk control aspect research condition.Second chapter mainly introduced the trade guarantees the principle research the correlation theories foundation,guarantees the principle including the trade the concept,the trade guarantees the principle the classification,the trade guarantees the principle the operation flow as well as the trade guarantees the principle the function significance.Third chapter mainly introduced our country trade guarantees the related question which the principle profession the development present situation and faces,the development present situation mainly displays in the profession development receives the government department the value and the support;The trade guarantees the principle market to be huge;The trade guarantees the principle company quantity fast growth;The trade guarantees the principle profession profit level;The trade guarantees the principle profession release lever level;The trade guarantees the principle profession interest rate level;The trade guarantees the principle profession market and the customer localization.Our country trade guarantees the related question which the principle profession faces mainly to include the trade to guarantee the principle service risk to be prominent,the profession autonomy and the system standard are not perfect,the trade guarantees the principle the legal standard flaw,lacking which the risk controls from the inside,the supervising and managing system vacancy,needs to construct the linkage necessary mechanism,the trade guarantees the principle service risk to be prominent,our country trade guarantees the principle professional to lack.Fourth chapter mainly from the profession goal risk,the credit risk,the legal risk,the operation risk four aspects guaranteed the main risk to our country trade which the principle profession faced to carry on the analysis.Front the fifth chapter basis proposed the risk has conducted the risk control research,specially the risk which easy to meet to the operating process in has conducted the detailed research and the operation method.Sixth chapter real guarantees the principle case through the reality in,has analyzed the risk control operation.Last the chapter mainly has carried on the summary to entire paper and guarantees the principle development existence to the trade the question and the risk put forward own proposal.