Research On Financing Strategy Of Y Business Factoring Company

Factoring is a package offinancial services based on commercial credit,provided by factoring agencies,such as credit assessment,credit guarantee,accounting management,financing,etc.However,at present,most of the factoring services provided by domestic factoring companies are limited to the transfer of accounts receivable.In recent years,the total annual factoring business in China is growing at a rate of about 45%a year.Although the factoring market is developing rapidly,many problems have also been exposed.The problem of accounts receivable in our country generally exists in the development process of enterprises,especially small and medium-sized enterprises,so there is more and more demand for factoring market.With the rapid development of factoring companies,the domestic financial ring Environment also gradually accepted and encouraged the development of factoring institutions,so thanks to the relevant domestic preferential policies,China's factoring industry has great potential for development.On the other hand,the financing channel problem in the process of factoring has become a bottleneck of its development.To solve the problem of factoring financing channels has become the urgent task of factoring industry.Under this background,this paper chooses the research of financing mode of commercial factoring company as the topic,in order to provide more reference for the practice of financing of commercial factoring company.In this paper,the theory related to the financing of commercial factoring company is briefly explained,and then the author analyzes the current situation of Y commercial factoring company,points out the problems of the existing financing methods,and points out the problems of the existing financing methods from the perspective of the enterprise itself.Policy support and other multi-angle analysis of the causes of the problem.Based on the analysis of the current situation,problems and reasons of the financing of Y commercial factoring company,this paper puts forward three financing schemes,namely,asset securitization financing and re-factoring double factoring financing.And in the low-cost,risk-controllable principle,the integration is suitable for Y commercial factoring company financing strategy.The long-term financing strategy based on asset certification financing and the short-term financing strategy based on Internet financial platform.This paper proposes a variety of financing channels for commercial factoring companies.At the same time,commercial factoring companies play an important role in financing activities of small and medium-sized enterprises and promote the development of supply chain finance.At the same time,the commercial factoring company itself has the difficulty of insufficient funds.If we can open up the traditional enterprise financing mode and the new financing mode,it will have great practical significance to solve the financing problem of the commercial factoring company,and not only promote the development of the whole industry.To a certain extent,it will help to solve the financing problem of small and medium-sized enterprises.