【正文】 independence, and gives the letter examination and approval authority including certain sales decisionmaking power. Generally speaking the overseas development guarantees the principle service the anization is mostly guarantees the principle pany or the bank independent department. But our country as a result of related laws and regulations vacancy, also does not have special to guarantee the principle pany, the bank has not set up the independent department to handle guarantees the principle service. International guaranteed the principle service market access was still the vacuum. At present guarantees the principle service to handle by the bank, but actually to international guarantees the principle is the international settlement service one kind of independent service variety, until now does not have the conclusion, from this has a series of financial supervision question. 4, gives the letter question. At present Our country Bank basically will guarantee the principle to give the letter to regard the same tradition credit operation to give the letter to carry on the management, chooses with the credit customer appraisal standard guarantees the principle customer, specially imports guarantees the principle often to request the customer (importer) the property scale to be big, can provide the corresponding mortgage to guarantee to do guarantees the principle. But overseas factor requests Our country Bank to narrate makes the import to guarantee the principle the customer often is the small and mediumsized enterprise or the Private enterprise, is unable to satisfy Our country Bank to give the letter request, therefore our country international guarantees in the principle the import to guarantee the haircut to extend slowly. Actually, this kind gives the letter method with in the true sense to guarantee the principle to have not the symbol, in overseas, factor only depends on the customer the credit situation financial reporting and so on for the customer to check that limit of credit judgment standard to whether to have the high quality account receivable, but does not need the customer to provide the mortgage guarantee. Fourth, the conclusion and countermeasure looked from international and the domestic experience, develops vigorously international guarantees the principle service, forms the standard to guarantee the principle market to expand the import and export enterprise financing channel, the promotion international trade growth to have the very vital practical significance. From internationally looked that international guaranteed the principle service already to bee a mature product, also obtained the European and American countries, the Asian country in the global trade widely to accept and to approve. As the international trade great nation, our country in the foreign economical intercourse, should not remove, i n international guarantees outside the principle market, but is should develop positively international guarantees the principle service use international to guarantee the principle service the superiority, enhances our country Enterprise39。s authenticity is worth questioning, in addition the partial enterprises do not keep one39。s 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 export mercial 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 present 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.