Asset concentration This is also the most discussed place in this document, and also the most "killing" place: The accounts Special Database receivable of the same debtor transferred shall not exceed 50% of the total risk assets. The transferee of accounts receivable with its affiliated enterprise as the debtor shall not exceed 40% of the total risk assets; Include unrecovered or unrealized factoring financing funds overdue for 90 days into non-performing asset Special Database management; The accrued risk reserve shall not be lower than 1% of the ending balance of the financing factoring business; Risk assets shall not exceed 10 times net assets. A large number of factoring companies rely on a certain group.
In the past, they only did business within the group, with little pressure, stable operation, and smooth life. However, in Special Database order to meet the requirements of concentration in the future, the business must be adjusted. There are two recommendations from the industry: Focus on developing the downstream factoring business in the industrial chain to achieve the purpose of sufficient dispersion. By the way, it also breaks through the single-subject Special Database credit of core enterprises and supports small, medium and micro enterprises; Carry out market-oriented factoring business outside the system. Move closer to the existing third-party factoring companies, and go out from the "besieged city".
However, at the same time adjustment is the requirement for the rapid improvement of business capabilities, from a Special Database single object to multiple scattered objects, from a mature core enterprise rating system to the lack of small and micro credit dimensions, from backing a big tree to entering the ocean and chasing waves. Great progress. While designing reasonable financial products, prudent risk control systems, and good disposal capabilities, Kela believes that it is very important to realize platform thinking and platform mode. The Special Database instantaneous expansion of the number and types makes it impossible to proceed with the method of "one case, one discussion" and "one household, one discussion". It is necessary to find out a batch and automated process to liberate productivity.