Port communicationlast two years，It can be said that my country’s financial leasing industry is developing very rapidly.，The market penetration rate of financial leasing is also increasing。There must be a cause if there is an effect，The reason why financial leasing can develop so rapidly，In the final analysis, it has its adaptability，Today let’s talk about the meaning of financial leasing。one、Equipment purchaser 1、Financial leasing can help alleviate the financing problems of small and medium-sized enterprises. Financing difficulties of small and medium-sized enterprises is a worldwide problem.。
Due to its weak foundation、Bad reputation、Big business risk、Low ability to repay，Small and medium-sized enterprises have always had a large funding gap，And lack of smooth financing channels。Commercial banks need to consider their benefits and operating risks，Loans to SMEs are very limited；The financing threshold for direct listing of small and medium-sized enterprises is too high，Most of them do not meet the conditions for listing；Private equity is risky、High cost，It’s also very irregular.。
Financial leasing as a new financing method，Enables small and medium-sized enterprises to raise needed funds。Because financial leasing is based on fixed assets、Intangible assets are the main objects，for financing purposes，Both parties to the lease have signed a contract and according to the contract
Require
pay rent，It is the product of a combination of financing and property financing。Small and medium-sized enterprises only need to pay a small amount of rent，obtain the right to use the assets，This not only solves their need for medium and long-term funds，And can meet the needs of its production and operation。
- Financial leasing helps small and medium-sized enterprises improve their competitiveness first，In the process of financial leasing，As lessees, small and medium-sized enterprises do not need to pay huge sums of money at one time to purchase equipment.，Just pay a small amount of rent，This can greatly reduce the capital investment of enterprises in equipment updates.。
Secondly，Most of the assets in financial leases are cash equipment with high technical content.，Tenant has the right to choose equipment type and manufacturer，When the lease expires, you have the right to renew the lease and purchase the leased property at a low price.，This can encourage small and medium-sized enterprises to speed up the pace of technological transformation and equipment updating.，Improve the technological content of products，at last，Financial leasing can promote technological innovation of small and medium-sized enterprises。
Most small and medium-sized enterprises have low technical level，Weak R&D capabilities，Advanced equipment and technology can be obtained through financial leasing，Promote scientific and technological personnel to carry out technological innovation，Enhance its technology development capabilities，Promote product upgrading and improve market competitiveness。3、Financial leasing can promote small and medium-sized enterprises to improve their economic efficiency. Financial leasing can help alleviate the cash payment ability of small and medium-sized enterprises.，Promote the improvement of its economic benefits。
Mainly manifested in：First, the leasing fees paid by small and medium-sized enterprises for financial leasing，Includes equipment price，It also includes transportation and miscellaneous expenses during the equipment purchase process.、Insurance premiums, etc.
cost
。Since the lease fee can be paid in installments throughout the lease period，therefore，Compared to purchasing equipment once，It’s much less stressful to pay in cash。Financial leasing for small and medium-sized enterprises is a shortcut to financing，And it can also enjoy certain taxes and preferential treatment。
Because leasing projects can enjoy accelerated depreciation，Enable enterprises to reduce income tax in the early stage of leasing
cost
，defer tax，And adjust the structure of the enterprise、Facilitate industrial upgrading。If the leased assets are leased by the lessor from abroad and then sub-leased to small and medium-sized enterprises，Small and medium-sized enterprises can also enjoy tax incentives from other countries.，Effectively reduce rent levels，Avoid export restrictions from other countries。also，Financial leasing also has a unique
Advantages
，That is to revitalize the company's fixed assets。
Currently banks generally do not accept mortgage loans for equipment，Financial leasing can be done through sale and leaseback，Small and medium-sized enterprises sell existing equipment to leasing companies，Leasing companies pay a sum of money to small and medium-sized enterprises，At the same time, the equipment is leased back to small and medium-sized enterprises.，In this way, the company's fixed assets can be revitalized，Supplement business working capital。
two、There are three main methods of promotional payment for equipment manufacturers.：One is installment payment，but buyer's credit，The third is financial leasing。Practice proves，Financial leasing also has its own uniqueness in this aspect
Advantages
。Why?
Because installment payment will bring about an increase in accounts receivable and the risk of debt collection，If a company selling equipment has a large amount of receivables，Usually there is a problem with the sales method，It is probably caused by the extensive use of installment payments.；Buyer's credit requires bank cooperation，It is generally difficult for small and medium-sized enterprises that sell products to apply for buyer's credit for their customers.；On the one hand, financial leasing is similar to installment payment，Can lower the threshold for customers to purchase equipment，On the other hand, it avoids the shortcomings of installment payment，Enables companies to achieve one-time repayment，Reduce the company’s accounts receivable。
(Registration of financial leasing company)，Please note "financial lease"，Thanks!）
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