Financial leasing is a marginal industry that combines finance and trade,The business positioning of financial leasing companies should be positioned:Serving finance、trading、Industrial asset management organization,It is a service with more technical service content in service trade.。 Although it also involves funds,The main line is to serve investors,Instead of occupying all your own funds、Venture capital business locked into the project。
Therefore the leasing company is not a bank,Not a loan company either,Not an investment company,It is a knowledge service technology company。01Help Sales Finance Leasing is similar to a third-party backed installment credit sales business,The transaction behavior of the leasing company is actually to provide financial services for the credit sales of the manufacturer.,Use financial means to promote product sales。
In the purchasing process, there are opportunities for bulk purchasing ,Get a more favorable purchase price,You can also bundle the manufacturer's credit to solve the problem of the lessee's lack of credit.。02Although purchasing on behalf of others is said to be part of the financial leasing transaction process,The leased property is chosen by the lessee,Leasing companies often play the role of primary purchaser。
But in the new economic environment,Purchaser、investor、User、It is possible for managers to separate completely,The purchaser does not represent all owners of property rights,Property rights to dispose of leased items,It also needs to be ensured through a registration system。 However, ownership registration does not mean that ownership is registered in the name of the buyer just because he is the buyer of the purchase contract.,That's a registration of rights,Not property rights registration。There is no property rights registration system for movables。Vehicle registration, including motor vehicles, is not property registration.。
03Financing leasing is a foreign word for people's financial arrangements,The original meaning in English is "Financial Lease",Means providing financial arrangement services to tenants。Because the initial introduction was to solve the problem of insufficient funds and the reason why overseas financial institutions wanted to enter China’s financial control system,Various motivations such as using financial leasing to carry out loan business in China in disguise。Therefore, the mistaken positioning of "financing" has expressed the desire at that time.。
Financial leasing essentially provides financial arrangement services to the lessee。This financial arrangement includes financing、melt、Tax-saving design、Improve financial statements、Asset management and other comprehensive financial services,It is a concentrated expression of the service trade of leasing companies.。 To correct this error,Some people have begun to call for financial leasing to be renamed,Change it to "financial leasing" or "financial leasing" and do not want the name to misinterpret the meaning of the word to continue.,Disrupt this industry。
04Adding Credit to Projects Another major function of a financial leasing company is to add credit to leasing projects.。The first method of credit enhancement is to borrow external credit to fill the lessee’s credit deficiency.;The second is to recognize heroes with discerning eyes,Use your own credit for projects you like;The third is to use technical means to monitor and control the operating status of leased objects.;The fourth is to increase the lessee’s default costs.。
Therefore, the leasing company's services are locked into projects outside the highly competitive field of banks.,Become the main channel for investment and financing for small and medium-sized enterprises。This is a reflection of the leasing company’s competitiveness。Credit enhancement is a service that improves the credit value of a project。Who has mastered this skill?,Whoever has a larger scope of market activities ,Who can get out of the dilemma of being unable to do business with or without money?。05Rental asset management lease assets are divided into financial assets and fixed assets。Financial assets are claims、debt assets。
Such as entrusted leasing、trust leasing、Rent factoring, etc. are all financial assets。Although some assets have been sold,But its management rights are still in the hands of the leasing company。it's not trouble,It is the means and guarantee for leasing companies to continue to obtain profits.。Fixed asset management is the management of property rights。
Sometimes renting to improve financial statements,"Reduce" fixed assets or not increase them,But increase cash income,At this time, it is necessary to temporarily place the assets in the leasing company's account.,Leasing companies can use operating leases to solve this problem。06Providing funds for people to export China’s economy has developed to the present,The current lack of funds is not,Rather, a safety performance can be guaranteed,A capital export platform with long-lasting and stable profitability。
during periods of inflation,As long as the financing assets of this platform can increase in value、Preserve value,And the extent of the value preservation can cover the inflation rate and still have a slight surplus.。Financial leasing companies serve such investors,Made to suit them
Require
products。Set up secure rental assets for them,Manage rental assets for them,Help them review projects,Help them control risks,Manage financial assets for them。
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