ICS03.060 CCSA11DB4403 DB4403 深圳市地方标准 DB4403/T413—2023 商业保理公司供应链金融资产服务 操作指南 Guidelinesforcommercialfactoringcompaniestoprovidesupplychain financialassetservices 2023-12-19发布 2024-01-01实施 深圳市市场监督管理局发布 DB4403/T413—2023 I目次 前言..................................................................................II 引言.................................................................................III 1范围................................................................................1 2规范性引用文件......................................................................1 3术语和定义..........................................................................1 4全周期业务流程操作..................................................................2 4.1全周期业务流程..................................................................2 4.2准入尽调阶段....................................................................2 4.3项目论证及申报阶段..............................................................2 4.4资产收集阶段....................................................................3 4.5资产审核阶段....................................................................3 4.6转让支付阶段....................................................................3 4.7存续期阶段......................................................................3 4.8回款阶段........................................................................4 5智能化科技应用......................................................................4 5.1保理业务系统平台................................................................4 5.2数据对接........................................................................4 5.3数据处理........................................................................4 5.4智能化自动审核..................................................................5 5.5电子签约........................................................................5 5.6搭建信息安全体系................................................................5 6服务的可视化........................................................................6 附录A（资料性）资产审核标准（工程类）................................................7 参考文献..............................................................................16