应收账款池融资合同两方协议accountsreceivablefinancingcontract

《应收账款池融资合同两方协议accountsreceivablefinancingcontract》由会员分享，可在线阅读，更多相关《应收账款池融资合同两方协议accountsreceivablefinancingcontract（29页珍藏版）》请在装配图网上搜索。

1、编号No.： 应收账款池融资合同Accounts Receivable Pool Financing Contract（两方协议）(Two Sides Agreement)（2012年版）(2012 version)特别提示：本合同系甲乙双方在平等、自愿的基础上依法协商订立，所有合同条款均是双方意思的真实表示。为维护乙方的合法权益，甲方特提请乙方对有关双方权利义务的全部条款、特别是黑体部分内容予以充分注意。Important Notice: This Contract is entered into by the Parties in accordance with laws based on

2、 equality and free will, and the terms and conditions of this Contract fully reflect the genuine intention of the Parties hereto. In order to protect legal rights and interests of Party B, Party A hereby draws Party Bs special attention to the terms and conditions of this Contract in relation to eac

3、h Partys rights and obligations, in particular those in bold.融资银行（甲方）： Financing bank (Party A): 住所（地址）：Address: 法定代表人（负责人）：Legal Representative 融资人（乙方）：Financier (Party B): 住所（地址）： Address: 法定代表人：Legal Representative: 鉴于：乙方作为销货方以其与购货方之间形成的应收账款为第一还款来源，向甲方申请办理应收账款池融资业务。为明确责任，恪守信用，甲、乙双方经平等协商一致，签订本合同。W

4、hereas: Party B, as the seller, takes accounts receivable formed between it and the buyer as the first source of repayment to apply for accounts receivable pool business to Party A. To clarify the obligations and abide by the credit, the Contract is hereby made and entered into by two parties on the

5、 basis of equality and through consultation.第一条 定义Article 1 Definition1.1 除本合同另有规定外，本合同中下列有关用语的定义是：Except as otherwise stipulated in this Contract, definitions of the following related terms hereunder are:（1） 应收账款池融资业务：指乙方将其在一段时间内向境内一个或多个购货方销售商品、提供服务或其他原因所产生的多笔应收账款批量质押给甲方，甲方以上述应收账款为基础建立应收账款池后，以池中应收账

6、款为第一还款来源为乙方提供的短期融资。Accounts receivable pool financing business: Party B pledges its accounts receivable, which are generated by selling commodities, providing services to one or more buyers or other causes, within a period of time in batches to Party A. After setting up accounts receivable pool upon

7、 the above mentioned accounts receivable, Party A provides short-term financing to Party B with accounts receivable in the pool as the first source of repayment.（2） 购销合同：指乙方与购货方签订的产生本合同项下应收账款的合同，在本合同中包括购销合同、服务合同及其他产生应收账款的合同;Purchases and sales contract: contract that Party B signed with buyers to ge

8、nerate accounts receivable under this Contract, which herein includes purchases and sales contract, service contract and other contracts generating accounts receivable.（3） 应收账款：指乙方质押给甲方的其与购货方在真实、合法的交易和债权债务关系的基础上产生的唯一、具体、特定和排他的无争议合法债权。Accounts receivable: the sole, specific, exclusive and legal credi

9、tors rights without dispute generated from Party Bs real, legal trade and debtor-creditor relationship with its buyers, and which are pledged to Party A. （4） 应收账款池：指乙方质押给甲方的其对一家或多家购货方的多笔应收账款形成的债权包。Accounts receivable pool: the creditors rights package formed by several accounts receivable of one or

10、more buyers of Party B, which are pledged to Party A.（5） 应收账款池建池:指甲方以乙方质押给甲方的应收账款为基础新建立一个应收账款池。Set up accounts receivable pool: Party A sets up a new accounts receivable pool with accounts receivable Party B pledged to it.（6） 应收账款入池:指乙方向甲方质押新的符合本合同约定条件的应收账款。Accounts receivable into the pool: Party B

11、 pledges new accounts receivable that meet stipulations of this Contract to Party A.（7） 应收账款出池:指应收账款池内应收账款收回，或应收账款达到本合同约定的退出条件时，该部分应收账款质押解除。Accounts receivable out of the pool: taking back accounts receivable from accounts receivable pool, or removing pledge for accounts receivable that reaching exi

12、t conditions stipulated by this Contract. （8） 应收账款池有效期：指在应收账款池项下允许办理应收账款出池、入池的期限。Validity of accounts receivable pool: refers to allowable duration of handling accounts receivable into and out of the pool under accounts receivable pool.（9） 应收账款回款专户：乙方在甲方开立的账号为 的账户，专用于收取应收账款池中应收账款以及扣划应收账款池融资本息及相关费用。A

13、ccounts receivable payment collection account: the account with number Party B sets up in Party A, to collect accounts receivable in the accounts receivable pool and deduct principal and interest of accounts receivable financing and correlative charges.（10） 应收账款池融资比例=应收账款池融资本息/（应收账款池内全部发票实有金额+应收账款回款

14、专户资金余额）100%。同时存在多个应收账款池的，计算应收账款池融资本息和应收账款池内发票实有金额时，应将多个池的余额累加。Accounts receivable pool financing ratio = principal and interest of accounts receivable pool financing/ (actual amount of all invoices in accounts receivable pool + remaining balance in accounts receivable payment collection special acco

15、unt) 100%. In case there are multiple accounts receivable pools at the same time, remaining balance of these several pools shall be accumulated to calculate principal and interest of accounts receivable financing and actual amount of invoice in the accounts receivable pool.（11） 发票实有金额:指发票票面金额扣除乙方已回笼

16、货款后的余额。Invoice actual amount: remaining balance of deducting Party Bs collected payment from invoice face amount.第二条 融资期限、金额和用途Article 2 Financing Duration, Amount and Purpose2.1 应收账款池有效期自本合同生效之日起至 年 月 日止。有效期内乙方可以申请多笔融资。各笔融资的融资期限自提款日起计算，到期日不得晚于应收账款池有效期的到期日。各次融资具体融资期限见应收账款池融资明细表（见附件1，下称融资明细表）。Account

17、s receivable pool is valid from the date this Contract comes into effect until YYYY MM DD. Party B can apply for a lot of financing during the validity period. Each financing shall be calculated from the date of withdrawal, and the maturity date shall not be later than the maturity date of the accou

18、nts receivable pool. See Accounts Receivable Pool Financing Detailed Statement (appendix 1, hereinafter referred to as Financing Detailed Statement) for duration of each financing.2.2 在应收账款池有效期内，任一时点的应收账款池融资比例不得高于 %。 During the validity period of accounts receivable pool, financing ratio of accounts

19、 receivable pool at any point shall not be higher %.2.3 乙方将应收账款及相关权利质押给甲方，经甲方审批同意并办理应收账款入池后，在不超过2.2条约定的融资比例前提下给予乙方融资。具体融资金额、期限、币种、利率等事项见融资明细表。Party B pledges its accounts receivable and related rights to Party A. After approving and handling accounts receivable into the pool, Party A will provide fi

20、nancing not exceeding the ratio stipulated in article 2.2 to Party B. Please see Financing Detailed Statement for specific amount, duration, currency, interest rate and other matters of financing.2.4 本合同项下借据与融资明细表中记载的应收账款池融资金额、期限、币种、利率等事项不一致时，以借据为准。In case there is any discrepancy between the financ

21、ing amount, duration, currency and interest rate of accounts receivable pool recorded in Financing Detailed Statement with that of IOU under this Contract, the IOU shall prevail.2.5 本合同项下各笔融资用途见融资明细表。See Financing Detailed Statement for purpose of each financing under this Contract.第三条 融资利率和利息Articl

22、e 3 Financing Interest Rates and Interests3.1 本合同项下融资利率按以下第 种方式确定：Financing interest rate under the Contract shall be determined by the item:2.1.1（1）以融资提款日的基准利率加浮动幅度确定，其中基准利率为与融资明细表所约定的融资期限相对应的中国人民银行同期限档次人民币贷款基准利率，浮动幅度为 （上浮/下浮/零） %。乙方提款后遇基准利率调整，按下列第 种方式处理：Determined by adding the floating range to t

23、he benchmark interest rate of the financing withdrawal date, hereinto, the benchmark interest rate is the corresponding RMB loan interest rate of Peoples Bank of China with the same period and grade as the term of the financing stipulated in Financing Detailed Statement; the floating range is (float

24、 up/float down/zero) %. In case that the benchmark interest rate is adjusted after Party Bs withdrawal, item in the following shall be adopted: A、以 （1/3/6/12）个月为一期，一期一调整，分段计息。在每一利率确定日，按该日有效的基准利率和本条约定的浮动幅度对借款利率进行调整。第一期的利率确定日为提款日;第二期的利率确定日为提款日满一期之后的对应日，如果调整当月不存在与提款日对应的日期，则以该月最后一日为对应日。其他各期依此类推。The rate

25、 shall be adjusted every _ (1/3/6/12) month/months, which is referred to as “a floating period”. At every date of determining the interest rate, the loan interest will be adjusted in accordance with effective benchmark interest rate of that day and floating range stipulated in this term. The date of

26、 determining the interest rate of the first floating period shall be the actual withdrawal date, and the date of determining the interest rate of the second floating period shall be the corresponding date following a full floating period after the withdrawal date. If there is no corresponding date t

27、o the withdrawal date in the adjusting month, then the last date of the adjusting month shall be deemed as the corresponding date, and so forth. B、在整个合同期限内融资利率不作调整。The interest rate of financing will not be adjusted within the whole term of the Contract. C、其他：Others: （2）融资利率以基准利率加浮动幅度确定，其中基准利率为融资发放日

28、前一工作日全国银行间拆借中心公布的 (年/月）期贷款基础利率（LPR），浮动幅度为 （上浮/下浮/零） %或 （加/减/零） 个基点（一个基点为0.01%）。融资发放后融资利率按下列第 种方式调整：Financing interest is determined by adding the floating range to the benchmark interest rate. Hereinto, the benchmark interest rate is the (YYYY/MM) period loan base interest rate (LPR) published by Na

29、tional Inter-bank Funding Center one working day before financing issue date, the floating range is (float up/float down/zero) % or (plus/minus/zero) base point/points (one base point is 0.01%). In case that the financing interest rate is adjusted after financing issued, item in the following shall

30、be adopted to make adjustment:A、以 （1/3/6/12）个月为一期，一期一调整,分段计息。第二期及以后各期的利率确定日为融资发放日满一期后的对应日，甲方在该日按前一工作日全国银行间拆借中心公布的前述期限的贷款基础利率和浮动幅度对融资利率进行调整。如遇调整当月不存在与提款日对应的日期，则以该月最后一日为对应日。如利率确定日前一工作日全国银行间拆借中心未公布相应期限的贷款基础利率，则以全国银行间拆借中心再上一工作日公布的贷款基础利率为准，以此类推。The rate shall be adjusted every (1/3/6/12) month/months, wh

31、ich is referred to as “a floating period”. The date of determining the interest rate of the second and subsequent floating period shall be the corresponding date following a full floating period after the financing issue date. Party A will adjust the financing interest rate at that day in accordance

32、 with loan base interest rate and floating range with above mentioned duration published by National Inter-bank Funding Center one working day before financing issue date. If there is no corresponding date to the withdrawal date in the adjusting month, then the last date of the adjusting month shall

33、 be deemed as the corresponding date. In case that National Inter-bank Funding Center did not publish loan base interest rate with corresponding duration one working day before the date of determining the interest rate, then loan base interest rate published by National Inter-bank Funding Center the

34、 working day before above mentioned working day shall be adopted, and so forth. B、在整个融资期限内不调整。 Will not be adjusted within the whole financing period 3.2 本合同项下各笔应收账款池融资利率见融资明细表。See Financing Detailed Statement for every account receivable pool financing interest rate under this Contract.3.3 融资到期乙方未按

35、约定偿还的，融资逾期部分仍适用上述利率确定方式。In case that Party B fails to repay on due date of financing, the above-mentioned method of determining the interest rate shall still apply to the overdue amount of financing.3.4 本合同项下融资按日计息，按 （月/季）结息。融资到期，利随本清，其中日利率=年利率/360。The interest of financing under this Contract shall

36、 be calculated per day and settled per (Month/Quarter). When the financing becomes due, the interest shall be paid in the form of matching the principal. The daily interest rate = the annual interest rate/360.3.5 本合同项下融资按月结息的，结息日为每月20日；按季结息的，结息日为每季度末月的20日。For monthly settlement of financing under th

37、is Contract, the 20th day of each month is the interest settlement date; for quarterly settlement, the 20th day in the last month of each quarter is the interest settlement date.3.6 如遇中国人民银行调整贷款利率确定办法，则按中国人民银行的有关规定办理，甲方不再另行通知乙方。In case that Peoples Bank of China adjusts the method of determining the

38、 loan interest rate, the relevant regulations of Peoples Bank of China shall be followed. Party A will make no further notice to Party B.第四条 应收账款池融资管理与还款Article 4 Accounts Receivable Pool Financing Management and Repayment4.1 在应收账款池融资有效期内，甲乙双方可根据需要办理应收账款入池和出池。应收账款入池和出池可单独办理，也可同时办理。The parties can ha

39、ndle accounts receivable into and out of the pool as needed within the validity period of accounts receivable pool financing. Accounts receivable into and out of the pool can be handled separately as well as handled at the same time.4.2 办理应收账款池建池时，乙方应按甲方要求向甲方提供包括但不限于以下材料，经甲方审批同意后办理入池：When applying f

40、or setting up accounts receivable pool, Party B shall provide including but not limited to the following materials to Party A as required, and handle accounts receivable into the pool only after get approval from Party A.（1）应收账款池融资业务申请书；Application of accounts receivable pool financing business;（2）营

41、业执照；Business license;（3）拟办理入池的应收账款所对应的购销合同及发票原件；Corresponding purchases and sales contract and original copy of invoice of accounts receivable that to be put into pool;（4）与应收账款所对应购货商的合作年限、交易记录、上年度对购货商应收账款情况等；Cooperation duration, transaction records, performance, accounts receivable to the buyer in

42、previous year and other materials corresponding to accounts receivable;（5）甲方要求的其他资料。Other materials required by Party A.申请为已建立应收账款池办理新增应收账款入池时，应至少向甲方提供以上（3）、（4）、（5）项所列材料。In case Party B apply for adding accounts receivable to established accounts receivable pool, at least materials listed in above i

43、tem（3）、（4）、（5）shall be provided to Party A.4.3 经甲方同意，乙方申请应收账款建池（入池）时可以加盖企业财务章的发票清单代替全部发票原件，但融资发放前须经甲方抽查发票原件，抽查张数不得低于该次拟质押发票总张数的20%，且抽查金额不得低于该次拟质押总金额的40%，抽查无误后方可放款。Upon consent of Party A, Party B can use invoice list affixed with company financial seal instead of original invoices to apply for setti

44、ng up accounts receivable pool (into pool). But before financing, Party A will spot check the original invoices, the spot check number shall not be less than 20% of the total number of invoices pledged this time, and spot check amount shall not be less than 40% of the total amount of the pledge. Loa

45、n can be issued only after the spot check is error free.4.4 对符合以下条件之一的应收账款应办理出池：Accounts receivable out of the pool can be handled if one of the following conditions is met:（1）已经按期或提前收回的应收账款；Accounts receivable are recalled on or ahead of schedule;（2）超过购销合同约定收款期10个工作日仍未收回的应收账款；Accounts receivable th

46、at are not recalled 10 working days after the collection period stipulated by purchases and sales contract;（3）购货方与乙方或与其他第三方产生贸易纠纷（包括但不限于质量、技术、服务方面的纠纷）和债务纠纷，导致可能无法到期按时偿付的应收账款；Any trade dispute (including without limitation dispute over quality, technology or service) or debt dispute arises between th

47、e buyer with Party B or with other third party, which may prevent the accounts receivable from being settled when they become due;（4）应收账款坏账率连续两个月上升的购货方对应的全部应收账款； All corresponding accounts receivable of the buyer that suffers bad debt ratio increase for two consecutive months;（5）融资期间在银行出现逾期、垫款、欠息等不良

48、信用记录的购货方对应的全部应收账款；All accounts receivable of the buyer who suffers overdue, advance in cash, debit interest and other poor credit records in the bank within financing period;（6）甲方认为须办理应收账款出池的其他情况。Other situations that Party A thinks should handle accounts receivable out of the pool.4.5 办理应收账款建池（入池）或

49、出池时，甲乙双方应制定（更新）应收账款质押清单（下称“质押清单”，见附件2），质押清单应完整列示乙方质押给甲方的全部应收账款，自双方签章确认之日起生效，原质押清单（如有）同时失效。When setting up (into pool) accounts receivable pool or out of the pool, the Parties shall make (update) Accounts Receivable Pledge List (hereinafter referred to as pledge list, see Appendix 2). The pledge list

50、 shall fully list all accounts receivable Party B pledged to Party A, and come into effect upon signature and seal of the Parties, and the original Pledge List (if any) shall be invalid at the same time.4.6 当乙方提供的应收账款约定到期日加宽限期（宽限期不得超过10个工作日）晚于已建立应收账款池融资有效期的到期日，且乙方仍有融资需求时，甲方将为乙方新建立应收账款池。If the broade

51、ned duration ( broadened duration shall not exceed 10 working days) of accounts receivable provided by Party B is later than due date of established accounts receivable pool financing, and Party B still has financing need, Party A will re-set up accounts receivable pool for Party B.4.7 在应收账款池有效期内及2.

52、2条约定的融资比例内，乙方申请融资时，必须满足下列融资前提条件，否则甲方没有义务向乙方提供融资，甲方同意先行予以融资的除外：If Party B applies for financing within the validity period of accounts receivable pool and financing ratio stipulated in article 2.2, the following preconditions of financing should be met. Otherwise, Party A shall have no obligation to

53、provide financing to Party B, except Party A agrees to provide financing in advance. （1） 按本合同约定向甲方提交融资申请书；Submit financing application to Party B as stipulated by this Contract;（2） 乙方已按甲方要求提供应收账款进行质押且已经办理完毕相关登记手续；Party B, as requested by Party A, has provided accounts receivable for pledge and has a

54、lready finished relevant registration formalities.（3） 未发生本合同项下或乙方与甲方签署的其他合同项下的违约情形；No default is occurred under this Contract or other contracts signed by Party B with Party A;（4）所提供的办理应收账款入池及融资用途证明材料真实。Materials Party B provided to handle accounts receivable into the pool and prove financing purpos

55、e are real.4.8 乙方申请融资须提前至少5个银行工作日向甲方提交融资申请书。融资申请书一经提交，未经甲方书面同意不得撤销。When applying for financing, Party B shall submit a financing application to Party A at least 5 bank business days in advance. Once submitted, a financing application will be irrevocable unless otherwise agreed by Party A in writing.

56、4.9 乙方满足融资前提条件或经甲方同意先行予以融资后,甲方将融资款项划入乙方指定的账户，即视为甲方已经按照本合同约定向乙方发放了融资。After all conditions precedent for financing have been satisfied by Party B or Party B gets financing in advance with approval of Party A, Party A will remit the financing amount into a designated account of Party B. Such remittance

57、 shall be deemed as advance of the financing by Party A to Party B in accordance with this Contract.4.10 应收账款池有效期内，应收账款到达应收账款回款专户时，有融资到期的，甲方应扣除到期融资的应付本息及相关费用；没有融资到期的，则甲方应在确保应收账款池项下融资比例不高于2.2条约定融资比例的前提下，同意乙方支取全部或部分回款款项； Within the validity period of accounts receivable pool, if there is due financing

58、, Party A shall deduct payable principal and interest and related charges of due financing when accounts receivable get to accounts receivable payment collection special account; if there is no due financing, Party A shall allow Party B to withdraw all or part of the collected amount on the premise

59、that financing ratio under accounts receivable pool is not higher than financing ratio stipulated in article 2.2;4.11 乙方要求提前偿还全部或部分融资的，应于拟定提前还款日前10个银行工作日书面通知甲方。If Party B asks for prepayment of all or part of the financing, it shall submit a written application to Party A for its approval 10 bank bu

60、siness days prior to such prepayment.4.12 乙方经甲方同意提前还款，应向甲方支付补偿金，补偿金按下列标准计算：提前还款金额剩余融资期限（月数） ,剩余融资月数不满一个月的，按一个月计算。因应收账款提前到期导致乙方提前还款的，乙方无需支付补偿金。Party B shall pay compensation to Party A if it is agreed to make prepayment by Party A. the compensation shall be calculated according to the following stand

61、ard: prepayment amount multiply by remaining financing duration (months) multiply by , the remaining financing duration will be added to one month if it is not enough. Party B shall have no need to pay compensation if prepayment is caused by accelerated mature of accounts receivable. 4.13 在提前还款时，乙方应

62、同时付清至提前还款日止，依据本合同约定到期应付的融资本金、利息、补偿金和其他一切应付款项。When prepaying, Party B shall fully pay on the prepayment date all principal, interest, compensation and other amounts due and payable as of such prepayment date hereunder stipulated in this Contract.4.14 因乙方提前还款或甲方根据本合同约定收回融资导致实际融资期限缩短的，相应利率档次不作调整，仍执行原融资

63、利率。The applicable interest rate grade will not change if the actual term of loan is shortened due to any prepayment by Party B or early repayment as required by Party A in accordance with this Contract.第五条 乙方的陈述和保证Article 5 Party Bs Representations and Warranties乙方向甲方做出以下陈述和保证，并维持在本合同有效期内始终有效：Party B makes the following representations and warranties to Party A, which shall remain valid and effective within the term of this Contract:5.1 依法具备借款人主体资格，具有签订和履行本合同的资格和能力。It is elig