Port communicationFinancial leasing started late in my country，However, by summarizing the development trends of financial leasing in some developed countries abroad, it can be seen that，Financial leasing needs to go through the following five stages:。Of course, when it reaches the highest stage of development,，The previous lower-level financial leasing methods also exist.，In other words, these models are complementary to each other in the financial leasing market.。
one、Simple financial leasing has financing as its main purpose，The initial business model was mainly direct leasing.，Mainly promotes sales and financing，Similar to bank credit financing，The biggest feature is that the lessor does not bear any risks。two、Flexible financial leasing still has financing as its main purpose，But leasing methods began to innovate，Except for direct rental，Subletting occurs、leaseback、joint tenancy、Leverage leasing, etc.。
The most important feature is that options for residual value treatment of leased properties and flexible lease repayment methods have begun to appear.。three、Operating leasing Operating leasing emerged as competition in the leasing market intensified.，There is a residual value of the asset at the end of the lease period (its current value exceeds 10% of the fair value)，Residual value risk is borne by the lessor。The biggest feature of this stage is that the lessee can achieve off-balance sheet financing。
Four、New financial leasing products At this time, various existing financial leasing forms are organically combined with financial innovation to form many new financial leasing products.，like：Rental Investment Fund、Project leasing、risk lease、Lease asset securitization、Lease factoring、SPV etc.。The most important feature of this stage is that the lessor seeks lower-cost funding sources，Improve asset liquidity，To ensure the competitiveness of lessors。
five、Mature financial leasing market This is the mature stage of the leasing market，The rental penetration rate is about 30%，Rental product differences become minimal，Lessors began to speed up leasing business procedures and increase the speed of financing、Improve service levels、Strengthen internal management、reduce
cost
、Increase revenue and other means to maintain profitability，The biggest feature of this stage，Is the emergence of leasing company mergers and acquisitions?，Reorganization combination，The result is survival of the fittest，The new word monopoly gradually emerged。
in addition，"Operating lease" is not "lease" under Chapter 13 of the Contract Law。Operating lease is an accounting treatment，"Leasing" in contract law is a transaction。"Contract Law" is not equal to "Accounting Standards for Business Enterprises"。
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