Research On Current Situation And Countermeasure Of The Industrial And Commercial Bank Of XC Branch On Domestic Factoring Business

With China economic development and join into WTO, our country's financial market is becoming perfect. Meanwhile, the foreign financial institution enters gradually, keen competition will be not merely confined to the traditional business among the domestic banks day by day, but it will reflect in such aspects as marketing intention and financial products innovation taking financial information and capital operation as central financial market. Factoring business as a new kind of trade financing mode, not merely can accelerate enterprise capital circulation, solve some financing problem to sell on credit enterprises, still can bring the considerable management profit to commercial bank. Its unique application advantage complies with the development trend of current trade, it is an urgent task which the domestic commercial bank faces to develop factoring business energetically, and have very important realistic meaning and broad market prospects.The thesis regards XC ICBC as the research object, first of all, systematically expatiate the concept, characteristic, function, legal relation and legal foundation of the factoring business; then deeply analyze the operation mode and the status of domestic factoring business of XC ICBC, utilize the questionnaire to survey factoring business of XC ICBC branch, use the engineering theory of the risk to analyze on the basis of the data of questionnaire investigation, on the foundation of the analyzing result and investigation result, find that XC ICBC has deficiencies like client orientation,credit award,risk management; carry on the necessity and advantage analysis of the development in the domestic factoring business to XC area on this basis subsequently, point out that the development of the factoring business can improve the XC ICBC's competitiveness on the market of the same trade, and it is a need of pluralistic management of the bank. Meanwhile, the current situation of factoring business and the survey of account receivable of four major commercial bank in XC provide realistic support to the XC ICBC branch; The thesis, aim at the questions that reflected from the investigation, such as client orientation,staffs training,encourage managing,risk management and service quality value system construction, have proposed countermeasure and suggestion to the further completion of the domestic factoring business of XC ICBC.This thesis pays attention to the theory and combines reality on factoring business problems of XC ICBC branch, relies mainly on qualitative analysis, and has pertinence; the countermeasure and suggestion that put forward have stronger implementation. I hope that the research results of the thesis will have certain reference function to the development of XC ICBC and domestic factoring business of relevant banks.