How to promote the development of our country ' s international factoring will be one of the most important subjects which chinese banks must face in the future and is also the focal point that this paper want to discuss 如何促进我国国际保理业务的发展，将是我国银行业今后必须面对的重要课题之一，也是本文阐述的重点。
But international factoring is just in stage of starting in our country , and there is a very heavy disparity between chinese banks and foreign banks in ideas , technology , fund scale , and so on 但国际保理业务在我国的发展还处于起步阶段，在观念、技术、资金规模等方面都与国外银行有很大的差距，在法制环境、信用体系等大环境上也有许多的不足。
Because of the few branches in our country and the aim to own more sites , on the initial stage of entering the wto , the foreign banks probably attack to the domestic banks in those that are not limited and that they are familiar with . the international factoring is one of such business 入世初期，进入国内金融领域的外国银行，由于在我国分支机构少，网点规模处于劣势，但为了争夺客户，他们很可能在那些不受网点限制又为他们所熟悉、擅长的业务上向国内银行开展进攻，国际保理业务就是其中的一项业务。
International factoring contract is the core and one of the most important files in the operation of international factoring , so this thesis is to discuss it from the aspect of contract law combined with related regulations of other countries and international treaties and conventions in order to unveil the nature of international factoring 本文拟从合同法的角度，结合相关的国际条约、惯例及各国相关规定对国际保理协议进行深入的探讨，对国际保理业务中存在的法律关系进行分析，以揭开国际保理的本质，使其能为更多的人所理解，并在中国得到进一步的推广和应用。
Firstly , the author discloses the problems existed in factoring operation from three angles , that are understanding problems , operation problems and absent of credit system , extends a blueprint for factoring development on the basis of china ' s membership of wto . this part does a comprehensive research on influences of regulations of general provision of civil law and contract law on factoring and assignment of account receivables , and other problems existed in chinese factoring law and regulation 从认识、操作及信用制度三方面说明我国保理业务的现状及存在的问题，分析入世后我国保理业务的前景；分析了《民法通则》和《合同法》等我国现行法律规范对保理和债权让与的相关规定，他们对保理发展的消极和积极影响，以及我国保理立法存在的其他方面的问题。
The author brings forward that the basic ideas of business innovation of chinese commercial banks is to build up the modern management ideas , optimize the resources collocation and reengineer the banking operation process , and mainly do innovation in the business of personal consume credits , grant - aided credits , college credits and so on 笔者认为：我国商业银行业务创新的基本思路是树立现代化的经营理念，优化商业银行的资源配置和再造银行业务流程；主要从商业银行个人消费信贷业务、保理业务、助学贷款业务以及学校贷款业务等方面进行业务创新。与此同时，防范各类风险。
