融资租赁公司的经营范围！！

融资租赁公司经营范围融资租赁是指出租人根据承租人的选择，购买租赁物件提供给承租人使用，承租人支付租金的交易。租期结束，承租人可选择退租、续租或留购租赁物件。融资租赁是一种新型的融资方式，是解决中小企业特别是科技型中小企业融资难题的一种有效方式。这是融资租赁的标准概念。

融资租赁公司经营范围 是不是有点拗口晦涩？我们换个通俗的说法吧。

Simply put，融资租赁指的是，一些企业急需资金买设备，但因为无合适抵押，无法从银行贷款或其他渠道融资，租赁公司这时出手相助，出钱将设备买下来，然后租给企业，设备相当于一种抵押，企业分期将租金付给租赁公司，几年之后，租赁公司将设备折价卖给企业。

融资租赁*常用的两种交易模式，一种是厂商直租，一种是售后回租。

1. 融资租赁可帮助企业购买所需设备
2. 当企业要购置大额设备扩大生产规模的时候，资金的来源主要包括以下几种：增加股本、Own funds、银行信贷、finance lease、发行债券等。

逐一分析这几种融资方式，便会发现融资租赁有相当明显的

Advantages

，The reasons are as follows。

1. 要增加股本，难度较大；
2. 自有资金固化，容易导致企业营运资金减少；
3. 银行信贷申请比较难，而且需要房产土地做抵押，或者是第三方担保；即使申请下来也只有一年的资金使用期。

而当企业添置设备后，资金回收周期往往需要几年时间，快的需要两到三年，慢的则需要四到五年。资金使用周期与回收周期不匹配。（4）发行债券，中小企业一般发行集合债券，而集合债券的发行

Require

relatively high，也需要抵押和担保。

1. 融资租赁则是根据企业的

Require

由租赁公司买进设备，中小企业只需先付价款的20%—30%，之后再分期缴付租金便可获得设备使用权，Lease expires，中小企业可以选择获得设备所有权，Practice proves，融资租赁非常适合中小企业扩大生产规模融资。

1. 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，而融资租赁可以通过售后回租的模式，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。

1. 融资租赁可帮助企业多卖设备 设备生产企业的促销付款方式主要有三种：One is installment payment，二是买方信贷，The third is financial leasing。Practice proves，融资租赁在这方面，也有其独特

Advantages

。Why?

Because installment payment will bring about an increase in accounts receivable and the risk of debt collection，如果销售设备的企业应收账款很大，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，另一方面它又规避了分期付款的缺点，Enables companies to achieve one-time repayment，Reduce the company’s accounts receivable。

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