Port communicationHow does a financial leasing company obtain credit from a bank (recommended useful information) Types of credit granted by banks to financial leasing companies 1、Direct credit extension to financial leasing companies;Banks have strong overall strength、Loan business carried out by financial leasing companies with guaranteed loan repayments using their comprehensive operating income，As well as inter-bank lending and other businesses to financial leasing companies;2、Financial lease pledge loan，Banks issue loans to leasing companies，The condition is that the financial leasing company pledges one or several rent receivables and other rights to the bank;3、Financial lease factoring，After the leasing company carries out leasing business and forms rent receivable,，Business in which the bank pays consideration to transfer the rent receivables of the leasing company，Bank reserves recourse against leasing company。
4、Lease asset securitization，The bank's claim on rent receivable from the leasing company，Design quasi-asset securitization business that is connected with public or private trust and financial management business，and provide structural design、Financial services such as underwriting and issuance。
Selection of credit recipients: In principle, the financial leasing companies that commercial banks intend to grant credit to should meet the following conditions:：1、Established with approval from the China Banking Regulatory Commission or the Ministry of Commerce，Qualified for financial leasing;2、Comply with relevant national laws and regulations on financial leasing;3、At this stage, priority is given to supporting pilot financial leasing companies with government backgrounds.，Cautiously intervene with foreign investors、Private capital investment enterprises;4、director、Senior managers are familiar with the financial leasing business and have a sound operating style;5、Have sound corporate governance、internal control、business operations、Risk prevention and other systems;6、Good operating performance in the past three years，No record of violation of laws and regulations;7、No bad credit record in financial institutions in the past three years，No major lawsuits that may affect the company's normal operations have occurred。
In addition to the control indicators for credit objects, financial leasing companies must meet the bottom line for bank product access.
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outside，Some indicators with industry characteristics should also be set：1、Risk assets of financial leasing companies(Total assets minus non-risk assets)Must not exceed 10 times of total net assets，This is the core indicator used by the state to monitor financial leasing companies.。
According to bank related management
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and industry practices，It is advisable for financial leasing companies to control the asset-liability ratio within 65%.;2、Single customer financing concentration。The leasing company's financing balance to a single lessee shall not exceed 30% of the net capital，and state supervision
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consistent;3、Group customer relevance。
The financing balance of the leasing company to all related parties of the lessee shall not exceed 50% of the financial leasing company's net capital，and state supervision
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consistent;4、Rent recovery overdue rate，Similar to the non-performing loan ratio of commercial banks，Focus on assessing the tenant’s rent payment situation。This indicator should be less than 2%，The calculation formula can be set to：Rent recovery overdue rate = the unpaid balance of the project corresponding to the overdue rent/the total balance of the financial leasing company’s external financing。
Examination of financial leasing business lessees in the five ways of financial leasing business，direct lease、sublease、entrust leasing、United Leasing is a business model that focuses on “financing properties”。The sale and leaseback is a "financing method" in which the lessee uses his own equipment to mortgage the leasing company.，Similar to working capital loan business of commercial banks。
When banks handle financial leasing business, they treat the lessees of these two types of businesses，The following aspects should be examined with emphasis：1、The lessee’s industry should comply with China Construction Bank’s annual credit policies and structural adjustments.
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;2、The lessee's financing purposes must comply with national industrial structure policies and the provisions of China Construction Bank's credit investment;3、If a financial leasing project involves fixed asset investment，Project evaluation reports should be reviewed，Focus on future cash flow forecasts;4、The lessee has no bad commercial credit record，No bad credit record in financial institutions in the past three years，Production and operation are in good condition，Sound internal management system;5、Review the "Lease Property Transfer Agreement" and "Financial Lease Contract" signed between the lessor and the lessee，Understand the responsibilities and obligations of both parties to the lease and how to handle breach of contract;6、A leaseback lease must have a clear lease item，And the leasing company should have a reasonable purchase price for the leased property.、Pricing basis that does not violate accounting standards as a reference，Prevent bank credit funds from being evaded;7、Lessee non-bank exits customer，There is no record of being rejected for a loan application from a bank within three years。
Rental project authenticity review 1、Review the legality and validity of financial lease contracts and lease purchase contracts，Investigate whether the lease relationship between the leasing company and the lessee is genuine;2、When a financial leasing company purchases leased property from an affiliated enterprise，The purchase price of the leased property shall not be higher than the average sales price of the market;3、The leasing company should provide valid property title certificates to verify whether the leasing company actually owns the leased property.，And it is necessary to find out whether the leased property has been transferred or mortgaged to a third party;4、Review the nature of the leased object in the financial lease contract、model、Are the purpose and amount clear?，When necessary
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Leasing company or lessee provides original purchase contract、Original purchase invoice、Property transfer certificate and other documents for verification。
Arrangement of Credit Granting Factors 1、Matching of loan amount and term, such as finance lease contract term within one year(Contains)Project，Bank loans for direct rental projects shall not exceed 80% of the total contract amount、70% of the total contract amount of the leaseback project，The loan term does not exceed 12 months, etc.。
2、How credit funds are closed(1)After the lessor and lessee of a financial lease sign a lease contract，Pay directly to the manufacturer using entrusted payment method，Ensure the final use of credit funds is implemented。(2)According to the financial leasing business process，The lessor should open a special account for rent collection in the bank，One rental contract corresponds to one account，One account corresponds to one working capital loan。
(3)Under leaseback，If the lessee uses a mortgage to protect the lessor's claims,，The bank should make the loan after both parties have completed the mortgage registration procedures.。
3、Choice of guarantee conditions(1)In addition to conventional mortgages in the credit plan for financial leasing customers,、Except for third-party guarantee method，If necessary, the lessee can provide additional third-party guarantees or take the form of mortgage of leased equipment.，Even for machinery and equipment manufacturers in a weak market position，Can
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It signed a repurchase agreement。
(2)Financial leasing companies can also pledge the rental income rights under the lease contract to banks as a supplement to credit risk mitigation methods。
(3)Before using the financial leasing credit business, you should register it in the "Financial Leasing Registration and Publicity System of the Credit Information Center of the People's Bank of China"，Preventing dishonest lessees from taking advantage of deficiencies in the movable property registration system，Maliciously transfer or mortgage the leased property owned by the lessor to a third party，Protect the lessor’s ownership rights against bona fide third parties。
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