Strengthen internal management and improve the risk prevention and control mechanism. First, formulate detailed and standardized factoring business management methods and operational procedures, clarify the business scope, responsibilities of relevant departments and managers, business operational procedures, risk monitoring and disposal policies, and ensure the orderly development of factoring business. The second is to strengthen regular inspections and strengthen operational risk management. Commercial banks should strictly follow the procedures stipulated in the factoring system, strengthen the awareness of compliance, standardize and refine all aspects of operations according to the market characteristics and personnel situation within their jurisdiction, strengthen inspection and supervision, promptly correct non-compliant operations, and resolve potential risks. The third is to establish and improve the internal audit supervision and risk assessment system. Commercial banks should regularly evaluate the effectiveness of factoring policies and procedures, and make it clear that relevant departments conduct compliance evaluation and internal audit on factoring business. Fourth, full-time legal personnel should be equipped to strengthen the review of contract contents, especially contract terms, to ensure that the creditor's rights, terms and performance designed in the contract are reasonable and effective. Fifth, strengthen business training and establish a team of professionals. Through experience sharing, case communication, difficult communication, etc., improve managers' business skills and standardize operational behavior.