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1、中国银行业保理业务规范培训研讨会2010年11月4日双保理案例分析之卖方风险双保理案例分析之卖方风险卖方（卖方（A）买方买方(B)出口保理商出口保理商进口保理商进口保理商（C）O/A 150天核定买方信用额度转让融资问题初现问题初现 另有保理商另有保理商 买方签章买方签章要求停止催收要求停止催收争议未下订争议未下订单单替换单据重签替换单据重签疑点疑点 催收的进口保理商：C公司 OR 另有IF 买方签章 VS 买方签名 发票到期前催收 VS C公司的催收流程 求证求证2010年7月19日，EF提供合同，转告卖方的解释2010年7月20日，IF答复：从未催收，催收流程为发票日后8天 买方收到发票主
2、动联系IF并称未下订单卖方曾联系买方要求暂勿退货货不对版：餐具VS 卫浴用品货值不足：USD3-4万 VS USD30万调查行动调查行动我们的客户极度依赖买方装修、扩招、运营。钱、钱、钱！态度良好，但是 禁止联系买方讨论讨论 SELLER SELECTION AND CONTROL MANUALPART TWO-SELLER CONTROL:If there is something that does not make sense to you,ask for an explanation.If the seller cannot explain it to you in plain lan
3、guage,there is something wrong with the seller,not with your understanding.初步判断初步判断夸大发票套取融资借鸡生蛋本末倒置狗急跳墙出此下策做贼心虚欲盖弥彰？向信保报损 无意义？要求IF催收 无意义？核实签字 无意义面对现实面对现实卖方无力偿还融资，极度依赖买方离融资到期日还有4个月卖方配合工作，运营正常解决方案解决方案暂不联系买方“英雄所见略同英雄所见略同”之之 Buyer Risk Control Manual Part Four-Monitoring the Buyer Risk Trading out:If th
4、e debt is significant and the buyer is relying on supplies from the seller in order to stay in business it may be better to allow the buyer to continue trading at least for as long as it takes to recover the debts.Scheduling payment:After the normal collection procedures have been used and it is cle
5、ar that the buyer is unable to pay the whole debt immediately due to a short-term cash flow problem,scheduling the payment may be the best option for all parties.解决方案解决方案采取风险缓释手段密切跟踪“英雄所见略同英雄所见略同”之之 Seller Selection and Control Manual Part Two-Seller Control The factor has managed to reduce his exposure in relation to the A/Rs without damaging the sellers cashflow.There is concern and close attention but no panic.希望希望2010年10月18日，买方支付USD18.4万继续跟进中。反思反思信保融资列为低风险？巧遇买方主动联系IF面对现实，慎重采取法律措施风险缓释，步步为营