国际保理服务是通过保理商收购债权而向出口商提供信用保险或坏帐担保、应收帐款的代收或管理、贸易融资的综合性金融服务业务。其核心内容是通过收购债权提供出口融资。随着世界买方市场的逐渐形成,传统的信用证结算方式正受到严峻的挑战。越来越多的进口商更偏好采用赊销或承兑交单等销售方式来进行国际贸易的运作。在这两种以商业信用为基础的结算方式下,出口商需要银行或其他金融机构为其提供贸易融资和坏帐担保等服务,以解决应收帐款的占用和风险控制问题,国际保理服务则为满足这一需要应运而生。当前,国际保理服务已广泛应用于国际贸易,成为国际贸易竞争的一种新手段,在国际结算业务中所占的比例越来越大。在过去的十几年间,全世界许多大型跨国银行进入了这一行业。目前,国际保理业已经成为一个独立的产业部门,在国际贸易中发挥着越来越重要的作用。 The international factoring service is a comprehensive financial services business that provides exporters with credit insurance or bad debt guarantee, receivables collection or management, and trade financing through the acquisition of claims by factoring companies. Its core content is export financing through the acquisition of claims. With the gradual formation of the buyer market in the world, the traditional settlement methods of letters of credit are now facing severe challenges. More and more importers prefer to use the sales methods such as credit or acceptance delivery to conduct international trade operations. Under these two commercial credit-based settlement methods, exporters need banks or other financial institutions to provide such services as trade financing and bad debts guarantee, so as to solve the problem of account receivables occupation and risk control. International factoring Services came into existence to meet this need. At present, the international factoring service has been widely used in international trade and has become a new means of competition in international trade, with an increasing share of the international settlement business. In the past decade or so, many of the largest multinational banks in the world have entered the industry. At present, the international factoring industry has become an independent industrial sector and plays an increasingly important role in international trade.