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Bao thanh toán là gì? Hiểu đơn giản đây là một hình thức cấp tín dụng cho bên bán hàng đã được bên bán hàng và bên mua hàng thỏa thuận tại hợp đồng mua bán.
Vậy bao thanh toán có những loại hình nào? Ưu, nhược điểm ra sao? Mời các bạn theo dõi chi tiết trong bài viết dưới đây của VNCash24h nhé!

Bao Thanh Toán Là Gì?

Bao thanh toán được hiểu là hình thức cấp tín dụng mà các tổ chức tín dụng (TCTD) áp dụng cho doanh nghiệp là bên bán hàng thông qua việc mua lại các khoản phải thu phát sinh từ việc mua, bán hàng hóa đã được bên bán hàng và bên mua hàng thỏa thuận trong hợp đồng mua mua bán hàng hóa.
Tổ chức tín dụng với vai trò là đơn vị bao thanh toán sẽ hỗ trợ doanh nghiệp bổ sung vốn lưu động thúc đẩy hoạt động thương mại, bao gồm thương mại trong nước và quốc tế với đặc điểm là có quyền truy đòi, các khoản phải thu và số dư bao thanh toán.
Bao thanh toán có quyền truy đòi: Là có quyền đòi lại số tiền đã ứng trước cho bên bán hàng, khi bên mua hàng không thực hiện hoặc thực hiện không đầy đủ nghĩa vụ thanh toán các khoản phải thu đã được TCTD nhận bao thanh toán.
Các khoản phải thu: Là số tiền mà bên bán phải phải thu từ bên mua hàng trong những khoảng thời gian được xác định trong hợp đồng mua bán hàng hóa
Số dư bao thanh toán: Là số tiền mà TCTD ứng trước cho bên bán hàng chưa được bên mua hàng thanh toán.
Như vậy, bao thanh toán được xem như một hình thức trợ vốn cho người bán hàng nhằm đảm bảo quyền lợi cũng như nguồn vốn luân chuyển để tiếp tục sản xuất, tránh tình trạng ứ đọng vốn làm giảm khả năng kinh doanh của bên bán hàng. Với hình thức cấp tín dụng mới mẻ này, cho phép bên bán hàng có được những quyền lợi nhất định.
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