目前在我国的出口贸易中,出于境外国家和地区(如香港、新加坡等)信息便利、税收优惠、运输仓储或者加工贸易核销等多种方面的原因和考虑,很多出口企业会通过境外代理商或设立在境外的关联公司(以下简称代理商)间接向境外终端买方销售。尽管境外终端买方也是长期的合作伙伴,付款实力较强,而出口企业已为前期的生产和销售垫付了大量的资金,也需要营运资金的补充,但由于境内银行很难掌握到出口企业通过代理商的销售和回款情况,这就给出口企业在销售之后在境内的融资带来了很大的困难。对于这种有代理商介入的贸易模式下的现实融资需求,银行背对背的保理融资解决方案凸显重要。 At present, in the export trade of our country, many export enterprises will pass the overseas agents’ reasons for many reasons such as convenience of information, preferential taxation, transportation warehousing or verification of processing trade in overseas countries and regions (such as Hong Kong and Singapore) Businesses or affiliates established overseas (hereinafter referred to as agents) indirectly to overseas terminal buyers. Although the offshore terminal buyer is also a long-term partner with strong payment strength, exporters have already paid a large amount of funds for the production and sales of the previous period and also need the replenishment of working capital. However, as the domestic banks have difficulty in grasping the export enterprises through the agency Business sales and payment back situation, which gives export enterprises in the country after the sale of financing has brought great difficulties. For such real-world financing needs under the trade model with agents’ involvement, bank back-to-back factoring financing solutions become more and more important.