| In the current economic environment,due to the COVID-19 and international political factors,the global inflation rate is high,the economic recovery is slow,and the market credit environment becomes more tense.In this situation,traditional financing methods are difficult to meet the financing needs of small and medium-sized enterprises.Supply chain finance has become a good choice because of its countercyclical characteristics and better adaptability to the characteristics of small and medium-sized enterprises.Supply chain financial tools such as commercial factoring can improve enterprise financing efficiency and reduce risks,while also promoting supply chain cooperation and risk management,thereby improving the efficiency and stability of the entire supply chain.As the "innovative supply chain financial service model" was written into the 2021 government work report,in December 2021,19 national ministries and commissions jointly proposed innovative service models to improve credit approval and risk management models.Accounts receivable financing has a broad demand and market prospect in China,but financing mode and risk control are currently important factors restricting its rapid development.In order to solve this problem,the government and financial institutions strive to promote innovation in the financing mechanism of industrial enterprises,and actively explore effective measures to address issues such as the authenticity of accounts receivable.While helping small and medium-sized enterprises meet financing needs,ensuring the healthy development of the commercial factoring market can only be achieved through efforts to improve service quality and innovate financing models,In order to better solve the problems faced by the accounts receivable financing market and achieve the sustainable development of the commercial factoring market.This article takes "Current Situation Analysis-Existing Problems-Optimization Measures" as the structural framework of the thesis.First,it introduces the current situation of accounts receivable factoring financing mode and risk control of Z factoring company,and then based on the current situation analysis,it specifically summarizes the existing three aspects of problems and causes analysis.Finally,it proposes corresponding optimization measures to solve several pain points commonly existing in the factoring industry.This thesis takes Z factoring company as an example,analyzes and studies its main business product processes and risk control methods,and puts forward optimization suggestions,providing practical optimization ideas for the development direction of commercial factoring in China,achieving certain reference value. |
