Port communication（一）具有提高资金使用效率的比较
Advantages
中小企业生产经营灵活,其融资具有需求迅速、资金规模较小、期限较短且频率较高等特点。而银行为避免信息不对称需要对中小企业进行了解和评估,造成了贷款时间长、Many links、效率低,从申请到审批至少需要2到3个月的时间,耗费了大量的时间,这对中小企业来说时间成本很高。
在此过程中,中小企业还面临贷款被拒的风险,很可能导致投资机会的丧失,不适合中小企业的资金需求特点。
而在融资租赁交易中,中小企业以租赁物件作为抵押,且不需要提供额外担保,这就省去了大量的评估时间,也不需要办理繁琐的担保手续,因此融资租赁比银行的效率高、环节少、手续更加简便,这就使得中小企业能及时获得资金,抓住投资机会。
中小企业大多生产规模较小、技术装备落后,企业为了增强市场竞争力就必须提高技术装备水平以改善产品质量,而中小企业自有资金很难满足技术改造对资金的
Require
。通过融资租赁的方式,企业不必一次投入巨额资金即可获得所需中长期投资的设备,实际上相当于取得了银行贷款。
在中小企业的科技创新方面,融资租赁也能起到强有力的推动作用。中小企业由于规模有限,大多技术水平较低,研发能力不强,通过融资租赁的方式不仅能获得企业所需资金还可以获得先进的技术装备,这大大提高了企业科技人员技开发能力和技术创新能力,加快企业产品更新换代,提高中小企业在市场上的竞争力。
融资租赁对加快中小企业产业升级、技术改造和科技创新具有其他融资方式不可比拟的先天
Advantages
。（二）方式灵活融资租赁形式灵活，在设备选择自主性强
Advantages
在融资租赁过程中，承租人有权自主选择设备及供货人，不依赖出租人的判断和决定，出租人不得干涉承租人对设备及供货人的选择。融资租赁在租金收取方面方式较为灵活。
出租方可根据承租方的生产性质、资金状况和销售的季节特征等，在还款时间和金额方面与企业实际经营状况相结合，而不拘泥于定期、定额支付租金形式。承租方支付租金可采取的形式较多，如按支付时间间隔期，可以分为年付、Paid half yearly、季付和月付；按每次租金是否等额，可以分为等额支付和不等额支付。
In practice，承租方与出租方商定的租金支付方式一般为后付等额年金。租赁期末，租赁资产的处理灵活。Stay and buy、Renew lease、退换任企业选择。通常企业只需象征性的价款便可以取得该资产的所有权。
- 税收优惠我国现行税制规定：The price of fixed assets and equipment under corporate finance lease is determined according to the lease agreement or contract，plus shipping charges、途中保险费、Installation and commissioning fees、As well as the value accrual after interest expenses and exchange losses incurred before putting into use。
in fact，The lessee did not spend a huge amount of money at one time to purchase the equipment.，However, this amount can be depreciated before tax，This gives the lessee a lot of financial space，Has obvious tax saving effect。对承租人而言，融资租赁成本表面上高于信贷资金成本，但与其延迟缴纳所得税、降低负债比例、节省筹资时间所获得的市场先机而言，承租人的获益是十分显著的。
- technology、Serve
Advantages
企业购买设备的方式一般不允许通过加速折旧有效地避免设备的陈旧的风险，However，由租赁取得的资产，承租人可以避免因技术更新、市场需求变化等因素造成的租赁设备的无形损耗和贬值。不存在因旧有设备上的投入巨大而影响设备的更新换代。
Serve
Advantages
融资租赁不是简单的融资，而是集金融、trading、服务为一体的知识密集型边缘产业。融资租赁不仅可以疏通中小企业融资难的困境，而且可以向中小企业提供资产管理、Investment consulting、管理咨询、资本运作等方面的综合服务，弥补中小企业在这方面的“先天不足”。
- Conditions for the establishment of a financial leasing company: The registered capital of a foreign-invested financial leasing company shall not be less than US$10 million.；The total assets of foreign investors in foreign-invested financial leasing companies shall not be less than US$5 million.；The operating period of a foreign-invested financial leasing company in the form of a limited liability company generally does not exceed 30 years.；Have appropriate professionals，Senior managers should have corresponding professional qualifications and no less than three years of experience。
- Financial leasing company establishment application materials Enterprise establishment application form；Feasibility study report signed by all investors；contract、Articles of Association (Foreign-invested enterprises only submit articles of association)；Bank credit certificates of all investors、Registration certificate、Proof of identity of legal representative；The most recent year’s audit report of the investing parties audited by an accounting firm；List of board members and letters of appointment of directors from all investment parties；Qualification certificates of senior management personnel；Notice of pre-approval of enterprise name issued by the industrial and commercial administration department；Site use agreement (original) and real estate ownership certificate (copy)；Documents signed by non-legal representatives，A power of attorney for the legal representative should be issued
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