Management of leased property by financial leasing companies when carrying out financial leasing business

The definition of the leased object and the selection of the eligibility of the leased object are the prerequisites for confirming the legal relationship of financial leasing.，According to the regulations on leased property in the relevant management measures for financial leasing promulgated by my country,，The selection of rental property generally needs to comply with the following two principles:：The leased property should be a fixed asset。separate intangible assets、Land use rights and biological assets do not have the legality as leasehold property。 The ownership of the leased property should be clear、Really exists and can generate income rights。

Leasing companies should not accept properties that have been mortgaged or have been seized by judicial authorities、Assets with encumbrances such as seizure are treated as leasehold property。The core content of leased property management is that the management of leased properties runs through the entire life cycle of the leasing business.，The purpose is to ensure the security of the rental property、Effective management of value and risk，Ensure the safety and value of rental properties，Prevent the risk of loss。

1. Security management of leased property The security management of leased property mainly involves the confirmation and registration of the ownership of the leased property.、Rental property insurance。Confirmation and registration of leasehold property ownership。Confirmation of ownership of leased property is the basis of financial leasing business，When verifying ownership, ownership certification documents should be used as the basis.，Mainly includes procurement/engineering contracts and invoices, etc.。for aircraft、ship、Real estate and other leased properties with legal registration authorities，Ownership should be confirmed through its ownership registration certificate。

also，When reviewing ownership, the local industrial and commercial bureaus should also、Judicial administrative agencies and the financial lease registration system of the People's Bank of China Credit Information Center will check whether the leased property has encumbrances/defects on-site or online，To ensure the unique ownership of the leased property。After the rental project starts，Registration and public announcement should be made in the financial leasing system in a timely manner，airplane、ship、Properties and other assets should go to relevant agencies to register ownership and obtain ownership certificates。

1. Value management of leased property The value management of leased property includes the determination of the initial value of the leased property，and revaluation of leasehold property。Lease property value determination。The initial value of the leased property determines the scale of financing to the lessee，Generally based on the method of obtaining the leased property，following accounting standards

Require

Determine the value of the leasehold property。

For leased properties newly built or purchased from a third party in a direct lease project, the actual purchase price paid will be used.、shipping fee、Installation cost、Taxes paid, etc. determine the value；The value of leased property purchased through sale and leaseback is determined based on the net book value or a valuation standard that is no higher than the fair market value of the leased property.。(3) Lease property risk management and lease term inspection。

during the rental period，The leasing company needs to regularly change the ownership of the leased property.、Operational usage、Conduct on-site and off-site inspections during the lease period for repairs and maintenance, etc.。Documents available for review、Survey physical objects、Live interview、Market research and other forms。Objective analysis and assessment of lease risks through lease inspections，and then propose corresponding management measures.。Lease property risk warning。

Risk warning means that the leasing company determines early warning signals based on risk preferences.，Use multiple information channels and analysis methods，timely identification、Assess the risk profile of a leasing customer or asset，and take timely measures against potential risks，The process of effectively controlling and resolving risks。It is necessary for leasing companies to establish a risk warning management system，Intervene risk customers early，Continuous tracking and monitoring，Prevent and control the risk deterioration of leased assets through effective measures。

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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