【正文】 的額度 ， 進(jìn)口保理商核批了 10萬美元 。 如果進(jìn)口保理商在到期日前催收 ， 就可能避免損失 。 案例分析 2 經(jīng)驗(yàn)教訓(xùn)： 保理商應(yīng)加強(qiáng)對(duì)操作風(fēng)險(xiǎn)的控制 ?！? 案例分析 2 結(jié)果： 看到 FCI秘書長(zhǎng)的回復(fù)后 ， 進(jìn)口保理商同意重新考慮 ， 但其最終仍拒絕履行任何擔(dān)保付款的義務(wù) 。出口保理商打錯(cuò)名稱，可能對(duì)進(jìn)口保理商的催收產(chǎn)生負(fù)面影響。進(jìn)口保理商隨即通知出口保理商：“ B001號(hào)發(fā)票由于轉(zhuǎn)讓日期超過了到期日，故根據(jù) GRIF第 14條（ i）不受核準(zhǔn)。進(jìn)口保理商于是開始催收，在此過程中，發(fā)現(xiàn)了名稱錯(cuò)誤的問題。 進(jìn)口保理商又給 Z公司追加了 36萬美元的額度 。 A公司從 2023年開始敘做出口保理業(yè)務(wù) ， 到 2023年 ， 由于當(dāng)時(shí)使用的進(jìn)口保理商退出了 FCI， 故出口保理商又選擇了另一家進(jìn)口保理商 。 案例分析 1 經(jīng)驗(yàn)教訓(xùn)： 出口商如果是代理商 ， 應(yīng)認(rèn)真審核其被代理人的資質(zhì) 。 案例分析 1 事實(shí)真相： Y公司是一個(gè)小企業(yè) ， 也是新客戶 ， 從出口保理商處獲得足額保理融資有困難 ， 故請(qǐng) X公司作為出口代理 ， 其主要目的是獲得更多的融資 。同時(shí)，出口保理商通過進(jìn)口保理商了解到， Z公司實(shí)際也是由 Y公司的總經(jīng)理控制的公司。出口保理商提供了發(fā)票副本，進(jìn)口保理商隨后發(fā)來爭(zhēng)議通知，表示進(jìn)口商手頭的發(fā)票沒有轉(zhuǎn)讓條款，與出口保理商提供的發(fā)票副本無法匹配。出口商 X在四月開始出單 ， 出口保理商為出口商提供了核準(zhǔn)發(fā)票金額 80%的融資 ， 開始進(jìn)展順利 。該筆應(yīng)收帳款受核準(zhǔn)。進(jìn)口保理商必須在收到進(jìn)口商付款款項(xiàng)的起息日或收到銀行入賬通知之日（以晚者為限）對(duì)出口保理商付款。如出口保理商申請(qǐng)的進(jìn)口商名稱是 ABC CO，而進(jìn)口保理商核準(zhǔn)的可能是 ABC CO，則該進(jìn)口保理額度只對(duì) ABC CO有效 －（ iii）款：進(jìn)口保理商核準(zhǔn)額度的時(shí)效性（一般應(yīng)在收到申請(qǐng)后 10天內(nèi)回復(fù)） GRIF重要條文介紹 ? 第十七條： －（ iv）款：核準(zhǔn)對(duì)哪些應(yīng)收帳款有效？并不只是核準(zhǔn)后產(chǎn)生的應(yīng)收帳款，還包括進(jìn)口保理商已記錄在案的應(yīng)收帳款及申請(qǐng)之日前 30天內(nèi)發(fā)貨產(chǎn)生的應(yīng)收帳款 －（ v）款：對(duì)發(fā)貨的定義 －（ vi）款：循環(huán)信用額度的概念及應(yīng)收帳款替補(bǔ)的順序 －（ vii）款：應(yīng)收帳款的期限可以偶爾變更，但不超過100%或 45天（以短者為限）。規(guī)則選擇了與多數(shù)國(guó)家法律規(guī)定相一致的通知主義 －國(guó)際保理業(yè)務(wù)的轉(zhuǎn)讓是兩個(gè)環(huán)節(jié)，即出口商轉(zhuǎn)讓給出口保理商、出口保理商再轉(zhuǎn)讓進(jìn)口保理商。該節(jié)包含爭(zhēng)議的處理程序與處理規(guī)則 －第七節(jié)：陳述、保證與承諾（第二十八條）。該節(jié)界定轉(zhuǎn)讓、轉(zhuǎn)讓有效性、應(yīng)收帳款的有效性及反轉(zhuǎn)讓的有效性 －第三節(jié)：信用風(fēng)險(xiǎn)（第十六至十九條）。s permission. Our credit lines are valid until further notice is given, unless otherwise stated. Important Notice on Request for Credit Covers In order to take credit cover decisions in the shortest possible time, it is very important for us to have: ? ? The bankers of the buyer in the UK ? ? The correct style of the buyer (legal name of registration and address). Please always mention this information on your request for credit cover. 進(jìn)口保理操作說明－樣本 Assignment The following assignment clause must be placed on all invoices (original and all copies) in order to avoid payments being made directly to the seller: “ The debt shown in this invoice has been assigned to Britannia Factors plc who are entitled to receive payment. Payment must be in the invoice currency and made by bank transfer to Britannia Bank plc, Albion Street, LONDON, EC1A 1AA, sort code 000000, for the credit of account number (123456789) and quoting your supplier’ s name. If you have any claims or queries about this invoice or a general enquiry, please telephone Britannia Factors on +44 (0)1234 555657.” Pricing Risk Coverage Commission: the mission is fixed separately for each seller depending on line of trade, payment terms, etc. Normally, it is between percent (%) and 1 percent (%) of the gross turnover. Handling Commission: the handling mission for each invoice and credit note is the equivalent of GBP charged in the currency of the invoice. Collections only: the mission is usually % of the gross turnover. Legal Collection Fees: all legal collection fees on creditcovered accounts receivable are met by us. Legal collection fees on partially creditcovered accounts receivable are split in proportion to the balance covered and the balance not covered. Fees on noncovered accounts receivable are for the account of the EF. Bank Charges: our mission does not include bank charges. 進(jìn)口保理操作說明－樣本 Collection Procedure Statements of account are forwarded monthly to the buyers, even if there is a balance which is not yet due. Two reminder letters are forwarded. The first is sent 814 days after the due date of the invoice. The second is sent two weeks later. In the latter we threaten the buyer with legal action. Invoices will be passed for legal action approximately 40 days after the due date but, for unapproved accounts receivable, only with the EF39。支持任何操作平臺(tái)，用戶數(shù)不限 － 作業(yè)規(guī)則：《國(guó)際保理業(yè)務(wù)通用規(guī)則》（ General Rules for International Factoring), 簡(jiǎn)稱 GRIF 國(guó)際保理商聯(lián)合會(huì)聯(lián)合會(huì)及相關(guān)國(guó)際慣例 國(guó)際保理商聯(lián)合會(huì)簡(jiǎn)介 進(jìn)口保理商的選擇與風(fēng)險(xiǎn)控制 國(guó)際保理業(yè)務(wù)通用規(guī)則簡(jiǎn)介 進(jìn)口保理商的選擇與風(fēng)險(xiǎn)控制 進(jìn)口保理商的選擇 ? 進(jìn)口保理商資料來源 － FCI會(huì)員名錄（ Member Catalogue） －進(jìn)口保理操作說明（ IFIS） －進(jìn)口保理商年報(bào) － FCI進(jìn)口保理商年度排名 － 進(jìn)口保理商的選擇 ? FCI會(huì)員名錄 －包括會(huì)員的基本信息： FCI代碼、法定名稱、地址、業(yè)務(wù)聯(lián)系人及聯(lián)系方式、管理層情況、股東構(gòu)成、會(huì)員地位、入會(huì)日期等 －會(huì)員將最新變化告知 FCI秘書處，由秘書處負(fù)責(zé)不定期更新（一般一到兩周一次） －如何從中發(fā)現(xiàn)一些有用的信息 FCI會(huì)員名錄－樣本 Country China Factor Code CN00100 Company Name Bank of China, . Department/Division Factoring Division, Global Trade Services Dept. Postal Address 1 Fu Xing Men Nei Ave. Postal Address, continued Postal Code 100818 City BEIJING Visiting Address 1 Fu Xing Men Nei Ave. Visiting Address, continued Postal Code 100818 City BEIJING Email Web site Telephone 1 +86106659 2272 Telephone 2 +86106659 2309 Telefax 1 +86106659 2294 Telefax 2 Working hours / FCI會(huì)員名錄－樣本 General Correspondence Mr. JIANG Xu, Head of Factoring, Tel 6659 2272, Contacts Mr. XU Lingyun, Senior Factoring Manager (Export), Tel 6659 2511, Mr. PAN Zhijian, Factoring Manager (Export), Tel 6659 2247, Ms. ZENG Haitao, Senior Factoring Manager (Import), Tel 6659 2309, Management Mr. CHENG Jun, Deputy General Manager Global