1、How does our country develop positively international guarantees the principle Guarantees the principle is one kind of credit administration and the financing method stems from English “Factoring”, from used the scope to be possible to divide into domestic guarantees the principle and international
2、guarantees the principle. International guarantees the principle is refers to the exporter to put on somebodys account, when way sell goods and so on invoice, business buys up the exporter the account receivable, and provides the fund to allow temporary credit, the importer credit appraisal, the sal
3、es account management, the credit risks guarantee, the credit to receive after dunning and so on a series of service comprehensive financial service way. Now has become the hot spot which gradually the economic world, the financial circles pay attention. First, international guarantees the principle
4、 application superiority and the traditional method of settling accounts compares, international guarantees the principle service to the exporter, the importer and bank factor has its application superiority: (one) speaking of the exporter. 1, guarantees the principle service to provide the convenie
5、nce which or the processing post-sale supervisory work for the exporter the fund allows temporary credit, reduces its unproductive disbursement, after documentary evidence outright sale for bank, so long as factor its commercial quality and the conditions of delivery goods conform to the contract pr
6、ovision, may obtain 100% exchange-earning safeguard. In being without recourse guarantees under the principle service, the complete credit risk and the exchange rate risk forward to the bank to undertake. May cause the exporter through this way in the limit of credit which factor approves, eliminate
7、s the risk which, because the buyer protests the loans or the bankruptcy go out of business create the credit which is unable to take back； 2, the exporter may through provide have the competitive power, more advantageous 0/A, D/A or D the /P payment terms, increases trades the successful opportunit
8、y, develops the overseas market, the export expansion trade share . (two) speaking of the importer. 1, international guaranteed the principle to save the importer to apply to the bank to draw up the letter of credit and the payment earnest money procedure and the expense, simplified the import and e
9、xport procedure, raised the efficiency. The importer may depend on its prestige and the good financial performance obtains the buyers credit, does not need to mortgage； 2, international guarantees the principle service to cause to sell on credit into possibly, the importer uses D/A or the O/A prefer
10、ential benefit payment method, enables the limited fund to obtain the full use, the acceleration turnover of capital, increases the trade access for it； 3rd, the buyer has received the cargo before the payment, has the time and the opportunity inspect goods whether to meet the requirement, therefore
11、 has provided the transaction safety control for the buyer. (three) speaking of bank factor. international guarantees the principle to be more obvious to the bank factor superiority: 1, the bank may use in the existing resources development to ask the service, increases the income, the attraction hi
12、gh quality customer. According to the international convention, the development international guarantees the principle service the profit to be equal to traditional settlement business income nearly 10 times, the profit is quite objective. 2nd, improves the bank credit assets structure. Guarantees t
13、he fund which the principle service provides to allow temporary credit, is situated between clean loan and the secured loan financing behavior, therefore may optimize the bank the credit assets structure. 3, enhances the bank the international image. The bank is engaged in international guarantees t
14、he principle service, joins the International factor Federation, with various countries bank, will guarantee the principle company to carry on the business contact, may gain in the international service experience, enhance international image Second, international guarantees the principle service th
15、e positive role 1, to be advantageous to the exporter gain related information, the enhancement competitive power. Guarantees a principle organization generation of exporter to carry on the investigation to importers credit, for exporter whether to provide the commercial credit, the expansion realiz
16、ation of goods decision-making to the importer, provides the information and the data. Moreover, because guarantees the principle organization knowledge foreign market situation, they also frequently put forward the proposal to the small exporter, assists it to sneak in the international market, str
17、engthens its international competition ability. 2, is advantageous takes back the fund as soon as possible in the exporter, enhances the fund the operational effectiveness. The exporter finished cargo shipping, then immediately obtained the financing fund, reduced the fund flow cycle. Not only raise
18、d the fund operational effectiveness, but may also reduce the enterprise operation cost, increases the profit income. 3, is advantageous in the exporter shift fund risk. After guaranteeing principle organization being without recourse to sell outright the exporter the outward cargo creditors rights,
19、 so long as its commercial quality and the conditions of delivery goods conform to the commercial contract stipulation, the exporter may passes the burden the credit risks and the exchange rate risk for guarantees the principle organization, eliminated the latent bad account risk, the loan returns-r
20、atio distinct enhancement. 4, economical unproductive expense disbursement. After the exporter the exported goods power transmission for guarantees the principle organization, may the concentrate efforts to carry on the next step production and the marketing, reduces enterprises administrative perso
21、nals, overhead charge and so on unproductive the expense disbursements. 5, is advantageous in maintaining and enhances the exporter the credit. The exporter through guarantees the principle organization to allow temporary credit the fund, not only will not increase in the enterprise assets debt tabl
22、e the debt, instead will make in the property debt table the property to increase, the improvement debt/assets ratio, will be advantageous to enterprises negotiable securities going on the market with further finances. Third, our country guarantees the principle service existence question internatio
23、nal to guarantee in the principle trade development in our country mainly to have following several question 1, the legal flaw. So far our country to guarantees the principle service not special legal rule and the judicial interpretation court aspect also little extremely has the legal precedent. Fo
24、r example guarantees the principle the foundation is the creditors rights effective transfer but creditors rights transfer can only defer to Law of contract in our country 12 very broad stipulations: The contract potency may transfer the transfer to inform the debtor, but is effective. But in the ex
25、port commercial invoice discount service (has recourse to guarantee principle), the exporter is not willing on the receipt to further assignment clause generally, then how “the notice” does manifest this question not corresponding judicial interpretation. 2, the credit mechanism is not perfect. At p
26、resent the social credit system not yet forms, obtains with difficulty with the enterprise credit related public information, the bank is unable to carry on the credit appraisal besides own customer enterprise. In overseas, imports factor to be possible many kinds of channels which asked through the
27、 official or the people to gain importers credit rating and the credit situation, in addition enterprises financial reporting can for its checking limit of credit. But Our country Enterprises financial reportings authenticity is worth questioning, in addition the partial enterprises do not keep ones
28、 word, intend to fall behind the loan, runs away the waste bank debt phenomenon to be common, the bank worried that some customers through international guarantee the principle service, the bad account receivable will pass the burden for the bank. 3, guarantees the principle service the independent
29、question. Our country Enterprises financial reportings authenticity is worth questioning, in addition the partial enterprises do not keep ones word, intend to fall behind the loan, runs away the waste bank debt phenomenon to be common, the bank worried that some customers through international guarantee the principle service, the bad account receivable will pass the burden for the bank. 3,
