前海自贸区融资租赁公司注册条件和审批

融资租赁公司注册主要业务模式融资租赁公司注册融资租赁是设备融资模式、Equipment sales model、Innovation in investment methods，Not only to achieve a new balance of rights, responsibilities and benefits among various transaction entities,，Provides customers with new financing methods，and become a transaction subject

Advantages

complementary、Mechanism for allocating resources and financial management tools for balanced taxation。

With the development of financial leasing，The business models of financial leasing companies are also gradually increasing，但是融资租赁公司的业务模式一共有12种为主，本次我们主要阐述并分析这十二种业务模式，从而方便读者更好的理解并区分这12种模式！

以下分别讲解不同模式融资租赁的适用特征及操作流程1、直接融资租赁直接融资租赁，It refers to the lessee’s choice of the leased items to be purchased.，The lessor leases the leased items to the lessee after assessing the risks of the leased project.。The lessee has no ownership rights but has the right to use them during the entire lease period，and be responsible for the repair and maintenance of rental properties。

适用于：fixed assets、Large equipment purchase；企业技术

1. 售后回租售后回租是承租人将自制或外购的资产出售给出租人，The leasing model is then leased back to the lessor and used。rental period，Ownership of the leased asset is transferred，The lessee only has the right to use the leased asset。Both parties can agree that when the lease expires，The lessee continues to lease or the lessee repurchases the leased assets at an agreed price.。

This method helps the lessee to revitalize existing assets，Can quickly raise funds needed for business development，Comply with market demand。适用于：流动资金不足的企业；Enterprises with new investment projects but insufficient own funds；Companies that hold rapidly appreciating assets。改造和设备升级。

1. 杠杆租赁杠杆租赁的做法类似银团贷款，It is a kind of financial leasing with tax benefits that specializes in large-scale leasing projects.，Mainly led by a leasing company as the backbone company，Financing a very large leasing project。

First, establish an operating organization that is separate from the main body of the leasing company—a fund management company specifically established for this project to provide more than 20% of the total project amount.，The rest of the funds come from mainly absorbing idle money from banks and society.，利用100%享受低税的好处“以二搏八”的杠杆方式，Obtain huge amounts of funds for leasing projects。The rest of the practices are basically the same as financial leasing.，However, the complexity of the contract increases due to the wide range of。

due to tax benefits、operating instructions、Good overall benefits、Rent Recovery Security、

cost

Low。4、委托租赁委托租赁是拥有资金或设备的人委托非银行金融机构从事融资租赁，The first lessor is also the principal，The second lessor is also the trustee。The lessor accepts the principal’s funds or the subject matter of the lease，According to the client’s written authorization，Handle financial leasing business to the lessee designated by the principal。

During the lease period, the ownership of the leased object belongs to the principal.，The lessor only charges a handling fee，No risk。A major feature of this kind of entrusted leasing is that it allows companies without leasing rights to，Can "borrow rights" to operate。5、转租赁指以同一物件为标的物的融资租赁业务。In the sub-leasing business，上一租赁合同的承租人同时以是下一租赁合同的出租人，subtenant。

转租人从其他出租人处租入租赁物件再转租给第三人，The purpose of the sublessor is to collect the rent difference，The ownership of the leased property belongs to the first lessor。转租至少涉及四个当事人：设备供应商，第一出租人，第二出租人（第一承租人）、第二承租人。转租至少涉及三份合同：购货合同、lease contract、转让租赁合同。

1. 结构化共享式租赁结构化共享式租赁是指出租人根据承租人对供货商、租赁物的选择和指定，Purchase rental items from suppliers，available to tenants，承租人按约支付租金。in，租金是按租赁物本身投产后所产生的现金流为基础进行测算和约定，是出租人和承租人共享租赁项目收益的租赁方式。

租金的分成包括购置成本、Related

cost

（如资金成本），以及预计项目的收益水平由出租人分享的部分。7、风险租赁出租人以租赁债权和投资方式将设备出租给承租人，以获得租金和股东权益收益作为投资回报的租赁交易。

在这种交易中，租金仍是出租人的主要回报，一般为全部投资的50%；其次是设备的残值回报，一般不会超过25%左右，这两项收益相对比较安全可靠。其余部分按双方约定，在一定时间内以设定的价格购买承租人的普通股权。这种业务形式为高科技、高风险产业开辟了一种吸引投资的新渠道。

1. 捆绑式融资租赁捆绑式融资租赁又称三三融资租赁。三三融资租赁是指承租人的首付金（保证金和首付款）不低于租赁标的价款的30%，厂商在交付设备时所得货款不是全额，大体上是30%左右，余款在不长于租期一半的时间内分批支付，而租赁公司的融资强度差不多30%即可。

so，Manufacturer、lessor、承租人各承担一定风险，命运和利益“捆绑”在一起，以改变以往那种所有风险由出租人一方独担的局面。9、融资性经营租赁融资性经营租赁是指在融资租赁的基础上计算租金时留有超过10%以上的余值，at the end of the tenancy，The lessee can choose to renew the lease of the leased property、Rent out、Stay and buy。

The lessor can provide maintenance and repairs on the leased property，It is also possible not to provide，In accounting terms, the lessor depreciates the leased items。10、项目融资租赁项目自身的财产和效益为保证，Sign a project finance lease contract with the lessor，The lessor has no recourse to the lessee’s property and income other than the project，The collection of rent can only be determined based on the cash flow and benefits of the project。

The seller (i.e., the manufacturer of rental items) uses this method to promote products through the rental company it controls.，Expand market share。Communication equipment、Large medical equipment、Transportation equipment and even highway operating rights can use this method。11、结构式参与融资租赁这是以推销为主要目的的融资租赁新方式，它吸收了风险租赁的一部分经验，结合行业特性新开发的一种租赁产品。

主要特点是：融资不需要担保，出租人是以供货商为背景组成的；没有固定的租金约定，而是按照承租人的现金流折现计算融资回收；因此没有固定的租期；出租人除了取得租赁收益外还取得部分年限参与经营的营业收入。12、销售式租赁生产商或流通部门通过自己所属或控股的租赁公司采用融资租赁方式促销自己的产品。

这些租赁公司依托母公司能为客户提供维修、保养等多方面的服务。出卖人和出租人实际是一家，但属于两个独立法人。在这种销售式租赁中，租赁公司作为一个融资、贸易和信用的中介机构，自主承担租金回收的风险。

通过综合的或专门的租赁公司采取融资租赁方式，配合制造商促销产品，可减少制造商应收帐款和三角债的发生，有利于分散银行风险，有利于促进商品流通。

About Hong Kong Xintong

Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。