第九章 国际双保理业务ppt课件

精选,1,第九章,国际双保理业务的办理,精选,2,第一节国际保理组织的加入,一、会员制二、会员申请1、所有的会员申请资料必须通过书面形式由秘书长递交国际保理商联合会主席。2、所有申请加入会员的机构必须遵守国际保理商联合会公约及其各项法规：遵守国际保理商联合会公约及其各项法规、国际保理通用规则（GRIF）、国际保理仲裁规则（RuleofArbitration）、国际保理电子数据交互规则(ERules)等规定。三、会员资格,精选,3,双保理业务(进口/出口保理业务),买方,1洽谈业务（新往来或老客户）,9卖方出货/寄送正本文件,合作保理商B,4申请买方额度,6通知额度及报价,11文件并移转债权,16付款,2申请买方额度,3调查卖方,7通知额度及报价,8签约,文件并移转债权,10,拨发融资,拨付余款,13,17,5征信调查,转让通知,回款管理&催收,支付货款,12,14,15,保理商A,精选,4,第二节国际保理商互保协议,协议双方可以互为进口保理商，进口保理商可对货物/服务贸易中的买方所在国提供服务。协议双方同意遵守国际保理商联合会定期发布的各种条例，比如国际保理通用规则、国际保理电子数据交互规则、国际保理仲裁规则等。作为进口保理商，协议的任意一方所提供的服务是向对方所指定的卖方提供的。协议双方需就各个卖方的手续费率和其他补偿双方达成一致；协议的任意一方不得从事协议另一方所提供的服务。但是任意一方可以从事该进口国其他保理商的服务。协议起始日为协议第一条填写的日期，如要终止协议，双方应提前某些天书面通知对方，并且协议的终止对已发生的业务并不产生影响。,精选,5,第三节国际保理仲裁规则,国际保理仲裁规则为会员在保理业务运作中出现矛盾、争端时提供解决依据。仲裁规则中规定，国际保理商联合会的成员们对其互相委办的保理业务中不能协商解决的争端，应提交国际保理商联合会仲裁。并且仲裁裁决将是终局性的和具有约束力的。将争议提交国际保理商联合会仲裁，各当事人应被视为已经承诺将无迟误地执行仲裁结果并且在能够做出地范围内放弃了进行任何形式诉讼的权利。,精选,6,第四节国际保理通用规则,国际保理商联合会所制定的各项制度文件中，最为基本和最重要的规则应该算是国际保理通用规则（GRIF）。“第4条通用语言”(Article4Commonlanguage)“第5条期限”(Article5Timelimits)“第6条书面形式”(Article6Writing)“第7条与本规则有所抵触的协议”(Article7Deviatingagreements)“第13条转让的有效性”(Article13Validityofassignment)“第14条与应收账款相关的文件”(Article14Documentationrelatingtoreceivables)“第17条核准与申请核准”(Article17Approvalsandrequestsforapprovals)“第25条应收账款的禁止转让”(Article25Prohibitionsagainstassignments)“第27条争议”(Article27Dispute),精选,7,1.IfIusefactoring,willmycustomersthinkthatmyfinancialpositionisunsatisfactory?Notatall.Factoringisnowsowellestablishedthatyourcustomerswillprobablyalreadybedealingwithafactor,eitherbyusingonethemselvesorthroughothersuppliers.Thisisreflectedinthefigures-in2014thetotalvolumeofbusinesshandledbyfactoringcompaniesaroundtheworldwascloseto2373billioneuros.2.HowcanIbesurethatfactoringcompanieswillcollectpaymentspromptly?Afterall,thelongertheyareoutstanding,themoreinteresttheyearn.Factoringisaserviceindustryandinordertosurviveitmustofferexcellentservice.IfFCImembersdidnotofferhighlevelsofservice,wewouldquicklyloseourclientsbusiness.Andthatwouldmorethanoffsetanygainsininterestincomegeneratedthroughslowpaymentcollection.Ontopofthis,itwouldntmakefinancialsense:itswellknownthatthelongeradebtisoutstanding,thegreaterthechancethatitwillturnbad.Wedontwanttoincreaseourriskinthisway.,精选,8,3.CanIusefactoringifIcarryonusingdocumentsonacceptanceterms?Yesyoucan.Manyexportersaredoingthis.Itisespeciallyusefulinmarketswhereopenaccounttermsarenotverycommon.Administrationissimpleandfinancingandriskcoveragearenotaffected.4.LettersofcreditgivemeallIneed.WhydoIneedfactoring?Factoringisthefuture.Youwillfindthatmoreandmorecustomerswanttobuyfromsuppliersthatinsistonlettersofcredit.Internationalfactoringoffersimportersmanybenefits.Customersdontlikecommittingfundstosupportsalesmadewithlettersofcredit.Andtheytoohavetodealwithalotmoreadministrationwhenlettersofcreditareinvolvedinatransaction.Ifyouwanttoexpandforeignsales,youwillhavetoofferbuyer-friendlytermssuchasopenaccountordocumentsonacceptanceterms.Factoringhelpsyouofferthesetermswithoutreducingyoursecurityoraffectingyourfinancing.,精选,9,5.WillpaymentstakelongertoreachmewithFCIstwofactor(importandexport)system?Thisdependsuponhowthecustomerpays.Ifthepaymentisbycheque,thenitwillbequickerbecauseourfactoringagentwillgetlocalclearanceandthentransferthefundstousbySWIFT.Ifthecustomernormallypaysbybanktransfer,itwouldbequickertopayyoudirect.Thekeyissueisthatmostcustomersneedregularpromptingforpayment.Ourexperienceisthatalocalcompanyactingasourimportfactorcanobtainpaymentsmorequicklythanthesupplier.Cultural,languageandlegislativedifferencescanmakecollectingpaymentsverydificultinforeigncountries.6.DoesFCIofferfactoringthroughouttheworld?Factoringhasexpandedrapidlyinthelast30yearsandFCInowoperatesinover90countries.Therearehoweverstillanumberofcountrieswherebusinessconditionsaretooriskyforafactortooperate.Insuchcasesyoumaybewelladvisedtoinsistyourcustomertoopenlettersofcredit.,精选,10,7.WhatincentivedoesFCIhavetoresolvedisputesinvolvinganinvoicequickly?Ifadebtisdisputedthebuyerandsellermustfindaresolution.Factorscanhelp,buttheresponsibilityforfindingasatisfactorysolutionrestswiththetwomainparties.Asfactorswearekeentogetdisputesresolvedquicklybecausethelongerittakes,biggerthechancethatthebuyersfinancialpositionmaydeteriorate,raisingtheriskforthefactoringagent.TheImportFactorisonriskoncegoodshavebeenshippedandtheinvoiceissued:thismeansifthebuyeristopaybutdoesnt,theImportFactormustdoso.8.Howquicklywillyougivemeanswerstocreditlinerequests?FCIhasanagreedstandardmaximumof10daysforaresponse.Butthiscanvaryfromtwoorthreedaystothe10daylimit.Itvariesfromcountrytocountrymainlybecauseofavailabilityofinformationaboutbuyers.,精选,11,9.Thecashavailableunderafactoringcontractwouldbeveryuseful,butisitmoreexpensivethanotherformsoffinancing?Factoringisacombinationoffinancingandservices.Becauseofthisitisimpossibletocomparefactoringwithbankfinanceorcreditinsurancecompanies.Thepackageincludesnotonlyfinance-whichispricedverycompetitivelywithbankfinance-butalso100%creditprotectiononyourapprovedcustomersandafullinvoicecollectionservice.Ourfeeisveryreasonable-especiallyconsideringthecostyouwouldincurchasingpaymentsabroad,thecosttoyourbusinessofabaddebtandthelossofpotentialprofitifyouareunabletofinancegrowth.10.Doyoucovertheriskofcustomerinsolvencybeforethegoodshavebeenshipped?Weareunabletocoverthisrisk.Ourriskcoveragetakeseffectfromthedaythegoodsareshipped,whichisthepointatwhichaninvoicecanbeissued.Pre-shipmentriskcoverageisavailablefro