Acting for foreign-funded financial leasing companies to register financial leasing companies. The establishment of financial leasing companies is divided into domestic-funded financial leasing and foreign-funded financial leasing establishment.,So you can consult us on how to set up foreign capital! at present,Many small and medium-sized enterprises in my country have backward equipment、low technical level,Facing increasingly fierce market competition,It is particularly important to update and modify equipment,This requires a lot of money。
Due to the small size of small and medium-sized enterprises、low credit rating,Profitability is not stable enough,Completely through bank loans or domestic and overseas listings,It is difficult to meet the capital needs of these small and medium-sized enterprises。in this case,Easy and fast、Credit
Require
Low、Registered financial leasing company business that does not require additional guarantees or mortgages is a very good way。 1、Types of registered financial leasing companies Financial leasing is to maintain production or expand development by leasing equipment.。
At present, financial leasing is basically divided into two forms:: First, enterprises propose equipment leasing to leasing companies based on their own equipment investment needs.
Require
,The leasing company is responsible for financing and purchasing the corresponding equipment.,Then deliver it to the lessee for use,The lessee company pays the rent on time,When the lease expires, the lessee enjoys the right to stop renting、Option to renew lease or purchase equipment。
The second is that the enterprise uses its own original equipment to propose a repurchase and re-lease to the leasing company.
Require
,Leasing companies handle purchase and re-lease procedures with enterprises,The business then gets funding from the leasing company to purchase the equipment.,achieve the purpose of financing,And pay the rent to the leasing company on time and continue to use the original equipment,When the lease expires, the lessee enjoys the right to stop renting、Option to renew lease or purchase equipment。
On the surface,Financial leasing is leasing equipment,In fact, it is still borrowing money,It’s just that the financing method is unique。 2、Financial leasing company registered
Advantages
Small and medium-sized enterprises can not only obtain funds by using financial leasing, but also,You can also get tax benefits,It also avoids the risk of obsolete equipment,To sum up, financial leasing has the following benefits for small and medium-sized enterprises:
Advantages
。
1.Conducive to financing of small and medium-sized enterprises. What financial leasing examines is not the past financial record of the lessee.,Rather, it is the cash flow generated from the use of leased equipment.,historical assets and liabilities of the lessee
Require
Not high,This can avoid the disadvantages of insufficiently standardized financial information for small and medium-sized enterprises.,Make it easier for SMEs to obtain financing opportunities。
and,Financial leasing uses leased equipment as collateral,Generally no additional security or collateral is required,Can solve the problem of propertyless mortgage for small and medium-sized enterprises。therefore,Financial leasing is beneficial to the financing of small and medium-sized enterprises,Filling the gap in bank loans。 2.Two-way development against the market
Advantages
There are two main functions for small and medium-sized enterprises to use financial leasing.,That is, financing function and promotion function。
Therefore, during the period of economic development,When a business needs funds,It can give full play to its financing function;during economic depression,When companies need to promote investment and consumer demand,Can give full play to its promotional function。No matter which direction the market changes, it will bring business opportunities to the financial leasing industry.。
3.Tax incentives can be obtained. The actual depreciation period of financial leasing equipment is determined based on the shorter of the legal depreciation period and the lease period.,Accelerated depreciation available,Expand current period costs,Reduce current income tax payment,Enable the lessee to enjoy tax deferral。In fact, some of the taxes that should be paid are used to repay the rent.,Accelerate the upgrading and transformation of equipment。 4.Financing
cost
Low rent for financial leasing,At first glance, the interest rate is higher than that of bank loans.。
But financial leasing is a combination service,Participate in preliminary work such as project evaluation and equipment selection, as well as equipment procurement and services,It will cost some more
cost
,Must be included in rental costs。These
cost
Items on the lessee's loan also require expenses in addition to interest payments.,add together,will be compared to a comprehensive
cost
The rent is higher。in addition,Leasing projects also enjoy accelerated depreciation benefits,It can be seen from the overall cost of funds that,Financial leasing is still much more cost-effective than loan projects。
5.Can extend the period of financing,Increase the cash flow of small and medium-sized enterprises. If small and medium-sized enterprises purchase equipment from bank loans,,The loan term is typically much shorter than the life of the leased equipment。The financial leasing method,The financing term generally reaches more than half of the equipment life,This can reduce the repayment pressure of small and medium-sized enterprises,Ease the tight cash flow situation of small and medium-sized enterprises。
6.Save the project construction cycle. Financial leasing combines the two procedures of financing and procurement into one,Therefore, it can improve the efficiency of project construction。Due to the flexibility and risk resistance of leasing itself,It also reduces unnecessary complicated procedures in many project construction processes.,Can enable enterprises to start production early,See benefits early,seize the opportunity,Seize the market。
at the same time,For being the first to use advanced equipment,Instead of having to bear the burden of making equipment outdated due to technological advancements、risk of being eliminated,Timely update of technical equipment for enterprises,Adopt new technologies quickly、new process,It is very beneficial to improve product competitiveness and market share。 7.It belongs to off-balance sheet financing. Generally, corporate loans must be reflected in the financial statements.,If the debt ratio is too large,Will affect the creditworthiness of the enterprise。
Operating leasing through financial leasing,Lease assets can be shown to the lessor,The lessee can use the leased property,No debt shown yet,Achieve off-balance sheet financing,Helps reduce corporate debt,Not bound by financial specifications。This is suitable for enterprises that need financing from multiple channels.,Especially for small and medium-sized enterprises,is very important。Enterprises can finance at 100% of the value of the leased property,thereby saving working capital and maintaining existing credit lines。
8.Guard against exchange rates、Interest rate risk if leasing equipment is purchased from abroad,Need to use foreign exchange。Financial leasing can convert foreign exchange into RMB,Lease denominated in RMB,It can enable the lessee enterprise to avoid exchange rate risks caused by the depreciation of the RMB.。Since financial leasing adopts a fixed interest rate at the beginning,,Leasing companies can also avoid interest rate risks caused by interest rate fluctuations。
It is precisely because the financial leasing method has many advantages that other financing methods do not have.
Advantages
,Many small and medium-sized enterprises choose this method when they cannot obtain bank loans.。 Financial leasing is particularly suitable for small capital scale,However, small and medium-sized enterprises with high value equipment,As well as high-tech achievement transformation projects for technology-based enterprises and enterprises in the early stages of growth。
The areas that the domestic leasing industry can cover generally include:Property rental、car rental、Equipment or instrument rental、medical equipment、communication equipment、Large electrical appliances、Mechanical processing equipment、aviation leasing、Talent leasing、Book audio and video rental、clothing rental、Toy rental、Outdoor sports equipment rental, etc.,Industry penetration is quite extensive。To register a financial leasing company, contact Huixian,A very reliable agency! For details, please consult Hong Kong Xintong-!
About Hong Kong Xintong
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