What are the differences and connections among confirmed warehouse, freight and factoring?

Confirmed warehouse refers to the acceptance bill issued by the enterprise after paying a certain deposit to the cooperative bank, and the cooperative bank accepts it. The payee is the upstream producer of the enterprise. Before receiving the bank acceptance bill, the producer begins to deliver the goods to the warehouse of the logistics company or storage company, and after the goods arrive at the warehouse, they are pledged by the warehouse receipt. If the financing enterprise cannot repay the bank exposure due, the upstream producer is responsible for repurchasing the pledged goods.

The mortgage of goods is equivalent to replacing the aforementioned deposit with goods. Take your goods as collateral.

Factoring is equivalent to turning previous deposits into accounts receivable. Another form of factoring is the pledge of accounts receivable. You will deposit all your money in the bank as a guarantee when you get home.

I. Main aspects of legal disputes

1, major legal disputes in financial leasing

There are various types of cases, mainly four types of disputes. At present, there are four main types of financial leasing disputes: the lessee fails to pay the rent on time, the determination of the validity of the financial leasing contract, the liability for defects in the financial leasing, and the determination of the guarantee liability in the financial leasing. The above four types of disputes account for 85% of the total number of financial leasing disputes. The plaintiffs in these cases are mostly financial leasing companies as lessors, and the lessees are generally small and medium-sized processing and manufacturing enterprises, such as printing, papermaking, glass manufacturing and other industries.

2. The main legal disputes of commercial factoring

Taking commercial factoring cases as a unit, the main risks include fraud risk, credit risk, operational risk and other risks. Among them, the fraud risk accounts for as much as 46.5%, and the credit risk accounts for no more than 40%. Among them, false trade accounted for 33.5%.

Second, the impact of real economic conditions on the number of cases.

1. Due to the long financing period (mostly 24 months or 36 months), the economic situation and domestic industrial policies have obvious transmission effects on the number of disputes over financial leasing contracts.

With the adjustment of national economic structure and the gradual elimination of backward production capacity, the impact on relevant real economic sectors will be further intensified.

Affected by this, it is expected that the number of litigation cases of financial leasing contract disputes may still show an upward trend in the future.

2. The financing period of commercial factoring is short-term financing of about 6 months in principle. The further decline of the real economy has an impact on commercial factoring, but due to the short financing period, the downside risks of the real economy are expected to be controllable.