A brief discussion on the importance of post-lease management of financial leasing

Hong Kong Xintong-Today I will introduce to you the importance of post-lease management of financial leases，Let’s learn together! Post-lease management refers to the management process from the time the leasing business is disbursed until the lessee completes the payment of the rent.。

include：Confirmation of the leased items after they arrive at the lessee’s production site (inventory)、Attach a "rental tag"、Check the operation of the rental property)、Follow-up inspection of the lessee’s operating conditions during the lease period、Early warning of industry risks，Collection of overdue rent，Collection of bad projects and other aspects。

Post-lease management is an important part of risk prevention during the existence of financial leasing business，As a high-risk financial industry，The larger the amount involved in the financial leasing project，The longer the period，The importance of post-lease management has become increasingly prominent in the entire business process，Determines the success of the project to a certain extent。

Due to the diversity of financial leasing subject matter，There will be many changes involved in the post-rental process，Post-lease management personnel need to formulate different post-lease management plans based on the different situations of the lessee.。

Daily project post-lease management work，It can be generally verified from the following aspects:，mutual confirmation：one、Conduct regular analysis of the lessee’s industry and market and regularly collect information related to the lessee’s industry and market，Analyze the prosperity of the industry and market in which it operates，or conditions affected by macroeconomic policy controls，Timely assess the possibility of impact on leasing business，Supervise and judge based on the actual situation of the customer。

two、On-site inspection of the lessee’s production and operations

1. Check on-site whether the company's production workshop is operating normally，Understand the implementation status of the "Purchase and Sales Contract" recently signed by the company。
2. Pay attention to the production operating rate of the company、Changes in the number of workers。Ask workers on-site about their current production status and whether wages are paid on time、Full amount，Is it consistent with the payment situation reflected in the recent salary schedule provided by the company?。
3. Check inventory changes on the spot。

Pay attention to and determine whether the company's goods are backlogged，Time of entry and exit of finished products and raw materials、Turnover cycle etc.。4、Inquire to see if the lessee has had any recent incidents that may affect the safety of the leasing business，If involved in litigation、subject to administrative penalties、Suspension of business for rectification, etc.。

three、Analyze and judge the recent real financial information of the lessee

1. According to the company's financial statements、Tax Return Update Report Data，Latest financing status、salary payment、Send and receive stored data、Periodic comparative analysis of energy consumption，Comprehensive analysis and judgment of changes in corporate solvency。
2. Calculate the lessee’s effective operating cash inflows，Analyze whether the company's withdrawal of payment is normal。
3. According to the latest corporate credit report、Shareholder personal credit report、And query the lessee’s latest other financing (lease、Factoring, etc.) situation，Understand the latest debt situation of the company。
4. According to the lessee’s salary payment voucher、water、electricity、coal、Gas consumption invoice or receipt，Statistical Analysis Salary、Changes in energy consumption。

Combined with the production and operation conditions seen on site，Determine the production status of the enterprise，Confirm the rationality of the report data provided by the enterprise。5、View tenant inventory sending and receiving data，Calculate shipment sales，Compare with financial statement data，Determine whether the company's inventory turnover is normal based on the on-site inspection of the warehouse。

For out-of-town customers，In addition to the above means，Can be monitored by installing equipment、GPS system and lock software monitoring equipment installed on rental equipment，Stay informed of actual device usage and location。When the lessee fails to make overdue collections or has other special circumstances，Remote lock program，Prompt the lessee to repay the rent as required。

also，In addition to on-site inspection and understanding of the company's production and operation conditions,，It is also necessary to talk to the actual controller of the company，Understand and analyze problems and situations that may exist in the enterprise but are not visible on site.，Confirm and verify based on actual production and operation data。Determine changes in the lessee’s operating conditions，Is there any possibility and precursor of rent arrears?，Identify issues in a timely manner that may impede the timely return of rent，and propose measures to solve the problem，To reduce the probability of project risks。

If you still need to know more about this，You are welcome to consult Hong Kong Xintong at any time!

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