由于银行对保理融资业务的定性不准确、流程不严谨、管理不规范,致使国内保理融资业务存在着错当贷款办理、错办质押手续、错把利息预扣、错漏通知义务、错设保理账户、错选催收对象等六大操作性风险,需要加以研究防范。国内银行利用《合同法》债权转让的规定,借鉴国际保理原理,创新出国内保理融资业务品种。所谓国内保理融资业务,是指境内申请人将其向境内债务人销售商品、提供服务或 Due to the bank’s qualitative inaccuracy in factoring financing business, the process is not rigorous, management is not standardized, resulting in the existence of domestic factoring financing business mishandling, misplacing pledges, wrongly withholding interest, wrong notice, wrong assignment Factoring account, the wrong object of the collection of six major operational risk, need to be studied to prevent. Domestic banks use the provisions of the “Contract Law” for the transfer of creditor’s rights, learn from the principle of international factoring and innovate the varieties of domestic factoring financing business. The so-called domestic factoring financing business refers to the domestic applicant to sell the goods to the domestic debtors, provide services or