摘要
针对中小型企业在发展过程中一直面临的融资难的问题,商业保理这一为企业提供融资服务的业务近些年来在我国发展较为迅速,我国商业保理发展起步较晚,在行业发展的法律法规制度建设上还存在着不足之处,由于商业保理主要是由商业保理公司等非银行金融机构开展,在我国金融体制改革不断深化的背景下,相关制度的制定和实施将对我国商业保理的发展产生重要影响,本文将从这一点出发,通过分析后发现,我国商业保理公司存在着发展不均衡,对于商业保理公司的监管不够全面,商业保理行业风险防范体系不够完善等问题,并提出了相应的对策建议。
In view of the financing difficulties that small and medium-sized enterprises have been facing in the development process, commercial factoring, which provides financing services for enterprises, has developed rapidly in China in recent years. China's commercial factoring development started late and developed in the industry and there are still some shortcomings in the construction of laws, regulations and systems. China’s commercial factoring is mainly carried out by non-bank financial institutions such as commercial factoring companies. Under the background of the deepening of China's financial system reform, the formulation and implementation of relevant systems will have an important impact on the development of China's commercial factoring. This paper will start from this point. After analysis, it is found that China's commercial factoring companies have unbalanced development, the supervision of commercial factoring companies is not comprehensive, and the risk prevention system of commercial factoring industry is not enough. The paper puts forward corresponding suggestions for these issues.
出处
《吉林金融研究》
2019年第7期62-64,70,共4页
Journal of Jilin Financial Research
关键词
商业保理
企业融资
金融监管
Commercial factoring
Corporate financing
Financial supervision
