【中文版】

保理公司是一种专门从事保理业务的法人机构，其业务范围包括贸易融资、商业资信调查、应收账款管理、信用风险担保等。保理公司通过与卖方和买方分别签订合同，为卖方提供贸易融资、应收账款管理等服务，同时为买方提供信用风险担保、支付结算等服务。

保理公司的出现，是为了解决国际贸易中存在的信用风险问题。在国际贸易中，由于买卖双方地理位置的差异、语言文化的差异以及商业习惯的不同，往往存在一定的信用风险。保理公司通过为买卖双方提供信用风险担保和贸易融资等服务，帮助双方解决信用问题，促进贸易的顺利进行。

保理公司的服务对象主要是中小企业，因为中小企业往往缺乏足够的信用信息和贸易融资渠道，而保理公司的服务可以帮助中小企业解决这些问题。同时，保理公司还可以为大型企业提供专业的贸易融资和信用风险担保等服务。

总之，保理公司是一种提供综合性贸易金融服务的机构，其服务范围广泛，能够满足不同客户的需求。未来，随着国际贸易的不断发展，保理公司的地位和作用将更加凸显。

【英文版】

Factoring company is a kind of legal entity专门从事factoring business，whose business scope includes trade financing, business credit investigation, accounts receivable management, credit risk guarantee, etc. The factoring company contracts with the seller and the buyer separately to provide trade financing, accounts receivable management, credit risk guarantee, payment and settlement and other services.

The emergence of factoring company is to solve the problem of credit risk in international trade. In international trade, due to the differences in geographical location, language culture and business habits between the buyers and sellers, there are often certain credit risks. Factoring company can help both parties solve credit problems and promote the smooth progress of trade through providing credit risk guarantee and trade financing services.

The main service objects of factoring companies are small and medium-sized enterprises, because they often lack sufficient credit information and trade financing channels, while the service of factoring companies can help small and medium-sized enterprises solve these problems. At the same time, factoring companies can also provide professional trade financing and credit risk guarantee services for large enterprises.

In summary, factoring company is a comprehensive trade financial service provider with a wide range of services to meet the needs of different customers. In the future, with the continuous development of international trade, the status and role of factoring companies will become increasingly important.