保理业务：满足中小企业融资需求的新思路

中小企业在我国经济增长中发挥着重要的作用,但在其发展过程中不可避免会遭遇融资难题,应收账款沉淀更加剧了企业流动资金困难。作为一项在信用销售方式下生成的新型综合性融资结算方式,保理业务为满足中小企业融资需求提供了新思路。然而,由于各种原因,保理业务在我国的发展还处于起步阶段,保理业务在管理和操作上还存在一些问题,影响了中小企业对这一业务的使用,为此本文还就推动保理业务在我国的健康发展提出了几点建议。

Factoring Business:New Thinking about Meeting the Demand of Capital Accumulation in Mid-small Enterprises

The SMEs play an important role in China's economic development. However, the problems of financing and account receivable have become more and more serious. As a new comprehensive financing and settlement method, factoring is a new suitable method to meet the financing need of the SMEs. For many reasons, factoring industry in our country is much under-developed. When the SMEs want to use the factoring service, they may face several tackles because of the improper management and operating of factoring. This paper also presents some suggestions to make every effort in creating better environment for promoting factoring in China.