反向保理在小微企业供应链融资中的应用

融资难是困扰小微企业发展的主要问题之一。保理已经成为欧美小微企业一种有效的融资渠道和财务结算方式,但我国传统的国内保理业务主要应用在大企业之间,小微企业叙做保理业务仍存在很多障碍。目前国内一些银行正在进行一种新型保理业务的探索,即反向保理。充分利用国内商业银行的优势开展反向保理业务,一方面可以缓解小微企业融资困难,降低整个供应链的融资成本;另一方面还可以让银行跳出"大客户偏好"的激烈竞争,更多地参与到贸易活动中,开创供应链金融的蓝海。

On the Application Problem of Reverse Factoring in Small and Micro Businesses Supply Chain Finance

Hard financing is one development of small and micro effective financing and settlement of the big problems in the businesses. Factoring is an method for small and microbusinesses in Europe and America, but traditionally, domestics factoring is always used between large corporations, and it＇s hard for small and micro businesses to conduct factoring business. Now some domestic banks are attempting to conduct a new kind of factoring named ＂reverse factoring＂. If business banks can make full use of their advantages to apply this business, il ean not only solve the problem of hard financing for small and micro businesses by cutting down the fiua,wing cost of the whole supply chain, but also help themselves east away from the fierce competition for big clients and encourage them to cleating Blue Ocean of supply chain finance wilh in- creased participalion in business aetivities.