商业银行发展国内保理业务法律问题探究--由爱立信"倒戈"引发的法律思考

南京爱立信“倒戈”在我国银行业引发了一场“震级”不小的“地震”,使商业银行发展国内保理业务,开办“应收账款买断”即无追索权保理业务成为必要。但开办无追索权保理业务对银行来说又具有较高的风险。因此,为了迎接外资银行的挑战,本通过对我国商业银行在开展无追索权保理业务中面临的主要风险的分析,提出了应如何建立和完善银行风险防范机制的建议,并针对现状提出了两点立法思考。

On Legal Problems of Commercial Banks Developing Domestic Factoring Business-legal Thought on "Counter Charges" of Ericsson

The "counter charges" of Nanjing Ericsson has brought about a big "earthquake" in banking sector in China, which makes the commercial banks necessarily develop domestic factoring business, offer "purchase accounts receivable" service, that is, purchase accounts receivable without recourse service. However, purchase accounts receivable without recourse service will pose quite great risks for banks. Con- fronted with the challenges of foreign - funded banks, the paper analyzes the risks of Chinese commercial banks developing factoring without recourse. It puts forward suggestions on establishment of risk preventing system. With the consideration of the reality, it puts forward two suggestions on legislation.