融资难一直是困扰企业发展的世界性难题。但与发达国家相比,我国的情况更为严重,融资难已成为制约我国企业发展的主要因素。近年来,转让债权开始成为企业的融资手段,虽然在一定程度上缓解了企业融资的困境,但因其存在双重让与的风险以及交易成本高、效率低的缺陷,再加上合同中约定禁止债权让与的情形比较普遍,因此债权让与难以迅速发展,企业融资难的状况仍然没有改观。 Financing difficulties has always been a worldwide problem that plagues the development of enterprises. However, compared with developed countries, the situation in our country is even more serious. Financing has become a major factor that restricts the development of our country’s enterprises. In recent years, the transfer of claims has become a means of financing enterprises, although to a certain extent, ease the plight of corporate finance, but because of the existence of double the risk of giving and the high transaction costs, low efficiency, combined with the contract prohibits Obligation to allow more widespread, so difficult to allow the rapid development of claims, corporate financing difficult situation has not changed.