融资租赁公司的作用之融资租赁带你飞

融资租赁公司的作用之融资租赁带你飞导读：融资租赁作为一种以物为载体的新型融资方式，没有被大众完全熟悉，许多企业对租赁的认识还停留在租赁服务的阶段，还没有充分的了解该行业。不过互联网融资租赁平台的快速发展，让更多的目光注意到融资租赁这个行业。融资租赁方式能否实现，承租人的动机起很大的作用。

in other words，作为出租人来讲，首先要了解租赁方式能给承租人带来哪些好处一、融资租赁的好处(1)解决融资渠道在我国租赁业的历史上，用租赁方式解决融资渠道曾经是承租人的首要动机，至今仍旧是其主要动机之一。(2)改进现金管理在融资租赁中，对设备可以全额支付，一般不需要预付款。

在经营租赁中，因为设备存在余值，承租人实际支付的

cost

比全额购买设备时的

cost

Small。(3)利于设备在技术上的更新换代租赁方式不仅用于解决承租人的资金渠道，而且广泛用于承租人避免设备技术陈旧的风险。to this end，使用的租赁方法是使租赁期限和设备的技术适用期限一致;由出租人设定设备的余值，承租人只支付为其融资的部分。

这种方法可以对设备升级换代;对设备以旧换新，保持技术领先。(4)可以开展表外融资适用于经营租赁。在经营租赁方式中，租赁资产不计入承租人的财务报表，承租人支付的租金也只作当期损益处理。经营租赁对承租人来讲是一种表外融资。

(5)允许加速折旧我国财政部、国家税务总局于1996年4月7日发布的财工字[1996]41号文“关于促进企业技术进步有关财务税收问题的通知”的主要内容是：国有和集体所有的工业企业如果在技术改造中使用融资租赁方式增添设备，允许加速折旧。

折旧年限：按租赁期限和国际规定的折旧年限的孰短原则，但最短不得短于3年。(6)灵活客户从银行取得贷款，条件是非常严格的。而采用租赁方式能给承租人带来很多灵活与方便。主要的灵活是还租方式的灵活。

根据设备的用途、会计核算的需要和收入方式，有多种灵活还租的方式，具体由租赁当事人双方根据情况“量体裁衣”，(7)方便租赁业务使承租人得到很多方便：1)融资和融物一步到位。2)对制造商(lessor)起控制作用：特别是厂商租赁的情况。按合同约定，设备出了问题而厂商不认真解决时，承租人可以拒付租金。

3)避免了承租人对设备的处分问题：在租赁交易中，出租人承担处分设备的负担、

cost

和风险，使承租人的负担大为减轻。two、盈利方式(1)

1. Financial leasing company,Carry out fully paid financial leasing business,获取利差和租息收益理所当然是金融租赁公司的最主要的盈利模式。The spread income depends on the level of risk,一般在1-5%。
2. 采用融资租赁的方式配置信贷资金,For small and medium-sized enterprises, banks can control risks by increasing interest rates or leasing rates.,There is no need to lower interest rates for high-quality customers。Because the accounting and tax treatment of leases is different from loans,Actual Financing of Customers

cost

Not higher than the loan or not much higher。

(2)

1. 提高租赁物的余值处置收益,Not only an important measure for financial leasing risk control,同时也是融资租赁公司(特别厂商所属的专业融资租赁公司)重要的盈利模式之一。
2. 厂商所属的专业融资租赁公司对设备具有维修、Remanufacturing expertise and broad customer base,Can provide a full range of financial leasing services,Especially the operating leasing business welcomed by customers。

Disposal of residual value of leased property for professional financial leasing companies,It shouldn't be a risk,It’s a new profit regeneration point,The rental property has been repaired、Remanufactured and resold through leasing companies、Re-lease to get better returns。This is exactly the core competitiveness of manufacturer financial leasing companies.。

1. According to the transaction conditions and performance of the financial lease contract and the equipment re-lease after recycling、Actual proceeds from resale less rent receivable and uncollected、Maintenance and other related

cost

after,The return on residual value is generally around 5-25%,Some large general equipment such as aircraft、The income from ships, etc. will be higher.(3)1.The leasing service fee is a contract management service charge that all financial leasing companies have.。

But depending on the size of the contract、Difficulty、How much is the initial investment in the project?、The level of risk and the differences in the operating models of different companies,The standards for charging handling fees are also different.,一般在

1. 5-3%。
2. Financial leasing companies are used in some large-scale project or equipment financing,Will provide customers with comprehensive financing solutions,A certain percentage of financial consulting fees or project success fees will be charged based on the financing amount.。

Depends on the size of the project,Charge ratio、Collection methods may vary,Generally, the financial consulting fee is around 0.25-5%. Financial leasing companies that are independent institutions established by professional investment institutions can carry out lease asset securitization.、Financial leasing and trust、Bond and finance lease portfolio、One of the important means of profit in relay services,It can also become an important intermediary business for financial leasing companies such as financial institutions.。

贸易佣金融资租赁公司作为设备的购买和投资方,Facilitates the circulation of equipment,Enable manufacturers and suppliers to expand market size,Achieved direct return of sales funds。Collect commissions on sales or discounts or insurance on large-scale purchases、Transportation commission is a very normal means of profit。

运营收益资金筹措和运作.财务杠杆—融资租赁公司营运资金的来源可以使多渠道的自有资金在运作时,You can get an income higher than the loan interest rate for the same period,If a project uses part of its own funds,Borrow some money from the bank,The leasing company has a financial leverage effect,Not only can self-owned funds obtain rental income slightly higher than that of loans in the same period,,借款部分也可以获取一个息差收益资金统筹运用—融资租赁的租金费率一般都是相当于或高于同期贷款利率。

Financial leasing companies strengthen cooperation with other financial institutions,in financing、加速资产转、Develop different product portfolios and product relays from the four aspects of diversifying business risks and profit models,You can also get good profits。

A2P由于融资租赁行业的“物权”和“债权”非常清晰，承租人向融资租赁公司租赁设备用来生产，承租人对设备只有使用权，融资租赁公司拥有所有权，使用权与所有权彼此分离，大大降低了承租人的违约风险。therefore，A2P平台具有天然的风控

Advantages

，相比传统P2P平台风险要小得多。Specifically，A2P模式具有两道整体风控流程。

首先由融资租赁公司实施第一道风控措施，在与企业进行租赁交易时，派遣尽调组对承租人从企业股东背景、管理团队能力、资源匹配度、企业运营情况、财务状况等各方面入手，进行综合评估与风险把关。融资租赁公司本身必须是行业内的实力型企业，以此保障债权优质性。

第二道风控，在引入这些优质债权时，First，要对融资租赁企业进行甄选，针对融资租赁公司的注册资金、在行业内的知名度、过往运营中的业绩情况等重要信息进行严密核查与筛选;second，债权项目是否在真实交易中已经形成，产生债权的过程中涉及的重要文件信息，均需要进行严格的审阅和相关披露。

经过融资租赁公司与租赁平台这两道“线下+线上”的双重风控流程之后，平台上转让的债权项目才能够实现优质可靠。保理机制是一种在中国征信体系不完善的情况下，充分结合投资人的投资习惯、进一步保障投资安全的制度安排。Simply put，保理其实是一种以应收账款为核心的债权交易方式。

对于融资租赁业务而言，其中的租赁收益相当于融资租赁公司的应收账款权益。在租赁平台的业务流程中引入保理机制的好处是：风控环节中增加了一个回购人角色(即保理公司)，投资者的投资能多一层保障。相比于业内其他平台的自由债转，引入第三方使得赎回速度更快，More efficient，因此租赁被称为一个“易取”的平台。

租赁平台对接的保理公司承诺对债权转让项目中债权无条件赎回，转让的债权根据投资人持有时间，按对应的“T+10”或“T+2”赎回，未到期债权提前赎回需要支付相应的手续费。这种能够自由赎回的

Advantages

是一般网贷平台所不能比拟的。

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