我国已经加入WTO,国外金融机构将逐渐进入我国金融市场,国内金融格局将发生巨大变化,日益激烈的竞争将不仅仅局限于国内银行间的传统业务,更多地将体现在以金融信息和资本运营为核心的金融市场的营销创意和金融产品创新等方面,这迫使我国商业金融机构将当前着手要解决的问题集中在研究市场需求、发挥信息资本优势、积极开拓新的金融产品等方面。作为金融服务项目之一的保理业在我国却还基本是一项空白,外资银行登陆我国金融市场后,必然选择保理业务作为突破口,我国商业银行将面临激烈的市场竞争,所以现阶段我国就应该加大建设和完善国际保理业务的各项措施。 Since China has joined the WTO, foreign financial institutions will gradually enter the financial market in our country, and the domestic financial structure will undergo tremendous changes. The increasingly fierce competition will not only be confined to the traditional operations of domestic banks, but will also be more reflected in the financial information and capital The core of the financial market marketing ideas and financial product innovation and so on, which forced our country’s commercial financial institutions to start the current problem to be focused on the study of market demand, give full play to the advantages of information and capital, and actively explore new financial products. As one of the financial services projects, the factoring industry in our country is still basically a blank. After the foreign banks have landed in our country’s financial markets, the factoring business must inevitably take the breakthrough. China’s commercial banks will face fierce market competition. Therefore, at this stage of our country We should step up our efforts in building and improving the international factoring business.