【正文】 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 guarantees the principle. International guarantees the principle is refers to the exporter to put on somebody39。s 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 sales account management, the credit risks guarantee, the credit to receive after dunning and so on a series of service prehensive financial service way. Now has bee the hot spot which gradually the economic world, the financial circles pay attention. First, international guarantees the principle application superiority and the traditional method of settling accounts pares, 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 convenience which or the processing postsale 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 mercial quality and the conditions of delivery goods conform to the contract provision, may obtain 100% exchangeearning safeguard. In being without recourse guarantees under the principle service, the plete 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, eliminates 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 petitive power, more advantageous 0/A, D/A or D the /P payment terms, increases trades the successful opportunity, 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 export procedure, raised the efficiency. The importer may depend on its prestige and the good financial performance obtains the buyer39。s 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 preferential 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 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 ine, the attraction high quality customer. According to the international convention, the development international guarantees the principle service the profit to be equal to traditional settlement business ine nearly 10 times, the profit is quite objective. 2nd, improves the bank credit assets structure. Guarantees the 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 the principle service,