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当前商业银行为企业应收账款开出的融资解决方案非常有限,实际上并未能有效解决出口企业。特别是广大中小出口企业应收账款融资需求。传统的国际保理业务和出口信用险项下融资业务,多数需要针对每一笔应收账款进行信贷审核,牵涉合作方较多、作业链条较长,出于成本和效率考量。无论银行还是企业多数倾向于操作单笔金额较大的应收账款融资业务。这就从事实上导致小额应收账款无法纳入银行融资的视野。可深圳发展银行对小额应收账款融资却情有独钟……
At present, commercial banks have very limited financing solutions for their accounts receivable, which effectively can not effectively solve the problems of exporting enterprises. In particular, the majority of small and medium enterprises export receivables financing needs. The traditional international factoring business and export credit risk financing business, the majority need to conduct a credit audit for each receivable, involving more partners, a long chain of operations, out of cost and efficiency considerations. Most banks and enterprises tend to operate single receivables financing business with larger amount. This in fact led to the micro-accounts receivable can not be included in bank financing horizons. Shenzhen Development Bank may have a soft spot for small receivables financing ...