【正文】 d 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。 and name, address and authority of seller39。支持任何操作平臺，用戶數(shù)不限 － 作業(yè)規(guī)則：《國際保理業(yè)務通用規(guī)則》（ General Rules for International Factoring), 簡稱 GRIF 國際保理商聯(lián)合會聯(lián)合會及相關(guān)國際慣例 國際保理商聯(lián)合會簡介 進口保理商的選擇與風險控制 國際保理業(yè)務通用規(guī)則簡介 進口保理商的選擇與風險控制 進口保理商的選擇 ? 進口保理商資料來源 － FCI會員名錄（ Member Catalogue） －進口保理操作說明（ IFIS） －進口保理商年報 － FCI進口保理商年度排名 － 進口保理商的選擇 ? FCI會員名錄 －包括會員的基本信息： FCI代碼、法定名稱、地址、業(yè)務聯(lián)系人及聯(lián)系方式、管理層情況、股東構(gòu)成、會員地位、入會日期等 －會員將最新變化告知 FCI秘書處，由秘書處負責不定期更新（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 Trade Services Dept., Tel 6659 2273 Shareholders China SAFE Investments Limited Royal Bank of Scotland Others IFIS Available on Private Forum YES Membership Status Full Member Membership Date Date of Latest Revision 01 June 2023 進口保理商的選擇 ? 進口保理操作說明（ IFIS） －進口保理商對開展進口保理業(yè)務的說明 －包括進口保理商的基本信息（與 FCI會員名錄內(nèi)容類似）、核準進口保理額度所需的基礎(chǔ)信息（出口商信息、進口商信息、銀行信息等）、額度核準的時間及一般報價、轉(zhuǎn)讓條款樣本及轉(zhuǎn)讓的要求、催收的程序、匯款的做法、特殊要求等 －如何從中發(fā)現(xiàn)一些有用的信息 進口保理操作說明－樣本 ? Import Factor Information Sheet Britannia Factors plc Chariot Chambers, Perfidy Place, LONDON, EC2N 3BU, United Kingdom Telephone: 00 44 1234 555657 address: Seller Information Must always be provided, giving as many details as possible. If the actual turnover, number of buyers, number of invoices/credit notes differs considerably from the information given to us, we reserve the right to reassess our mission. Instructions concerning the chargeback of rest amounts。但情況并未好轉(zhuǎn)， A保理商開始多方調(diào)查，發(fā)現(xiàn)： － B公司將部分保理融資用于房地產(chǎn)投資，導致流動資金緊張，開始拖欠供應商的貨款及工人工資，影響了其履約能力，導致裝修工程常常拖期，債務人要求遲付，并且根據(jù)合同要求補償 － B公司同意了債務人的要求，將不少發(fā)票的付款期限延長至 150天，并同意發(fā)票減額，但其轉(zhuǎn)讓給保理商的發(fā)票卻并是根據(jù)原合同條款出具的發(fā)票（金額更大，付款期限更短，目的是獲取更多的融資） 案例研討 1：工程承包商的保理業(yè)務 ? A保理商采取果斷措施，凍結(jié)了對 B公司的保理融資，全力展開清帳和催收工作，并以商業(yè)欺詐為由將 B公司告至法院，經(jīng)過努力，最終 A保理商挽回了部分損失，但仍承受了約 100萬歐元左右的壞帳 ? 教訓： －可保理性：建筑行業(yè)是否適合敘做保理業(yè)務（進度付款，債務人留臵工程款或反索的權(quán)利） －如何及早洞察欺詐行為：出現(xiàn)對帳困難，債務人付款延遲等跡象，應及時了解原因 案例研討 2：進口保理額度的核準 ? B銀行收到國外一出口保理商的業(yè)務申請，請求為一家全球知名的 IT企業(yè)的在華企業(yè) H公司核準 100萬美元的進口保理額度 ? B銀行經(jīng)調(diào)查，發(fā)現(xiàn) H公司與 B銀行沒有任何業(yè)務往來，無帳戶關(guān)系，更無授信，很難為其核準進口保理額度 ? B銀行經(jīng)分析，認為： H公司作為全球 500強企業(yè)，支付能力有保證，