融资租赁公司申请条件和利润来源

The main source of profit from financial leasing is interest income (also called rental income)，Everything else is income other than the main business.，Income outside the main business accounts for a very small proportion of the financial leasing company’s income.，otherwise，Either doing accounting，调整未来的利息收入到当期（提前将未实现利息收入调成当期，即已实现利息收入），要么就不是融资租赁公司了。

Financial leasing companies can be further divided into foreign-funded financial leasing and domestic-funded financial leasing.，that specific

Application conditions

Which ones are there?

Below, Manager Zhang of Hong Kong Xintong will answer your questions in detail.：

1. Foreign financial leasing company
2. Approval process
3. 向拟设立企业所在地的省级或高级开发区商务主管部门报送材料；
4. 上述商务主管部门初审后，Submit the application documents and preliminary review opinions to the Ministry of Commerce within 15 working days from the date of receipt of all application documents.；
5. The Ministry of Commerce shall make a decision on whether to approve it within 45 working days from the date of receipt of all application documents.，Approved to be established，Issue "Foreign-invested Enterprise Approval Certificate"，Not approved，Reasons should be stated in writing；
6. 外商投资融资租赁公司应当在收到《外商投资企业批准证书》之日起30个工作日内到工商行政管理部门办理登记注册手续。

Note：The establishment of foreign-invested financial leasing companies with a registered capital of less than 50 million US dollars shall be reviewed by the provincial commerce department.、manage。Foreign-invested financial leasing companies with a registered capital of US$50 million (not including US$50 million) shall be reviewed by the Ministry of Commerce、manage。

1. Submission materials
2. application；
3. Feasibility study report signed by all investors；
4. contract、Articles of Association (Foreign-invested enterprises only submit articles of association)；
5. Bank credit certificates of all investors、Registration certificate (copy)、Identity certificate of legal representative (copy)；
6. Audit reports of the investment parties in the past year audited by an accounting firm；
7. List of board members and letters of appointment of directors from all investment parties；
8. Qualification certificates of senior management personnel；
9. Notice of pre-approval of enterprise name issued by the industrial and commercial administration department；
10. Site use agreement (original) and real estate ownership certificate (copy)；
11. Documents signed by non-legal representatives，A power of attorney for the legal representative should be issued。
12. Domestic pilot financial leasing company
13. Approval process
14. provinces、autonomous region、municipality、The commercial authorities of cities under separate state planning shall, based on the actual development of the leasing industry in the region,，Recommend 1-2 companies engaged in various advanced or applicable production、communication、medical、Environmental friendly、Scientific research and other equipment，Construction machinery and transportation tools (including aircraft、ship、Cars, etc.) leasing companies participate in the pilot work；
15. The recommended companies are approved by the Ministry of Commerce、After joint confirmation by the State Administration of Taxation，Included in financial leasing pilot scope。
16. Submission materials
17. Recommendation letter from provincial commerce authorities；
18. Application and feasibility study report for enterprises to engage in financial leasing business；
19. Copy of business license (photocopy)；
20. Articles of Association，Enterprise internal management system and risk control system documents；
21. Financial accounting reports for the past three years issued by a qualified accounting firm；
22. 近两年没有违法违规纪录证明；
23. 高级管理人员的名单及资历证明。

融资租赁公司利润来源及收益构成1、租金收入约8%首先，我们要弄清租金收入和利息收入的区别。租金收入包含了利息收入。简单举个例子，你租给承租人100万元的设备，一年期，8%年化利息，租金到租期结束时一次性支付。

So，一年期到了，融资租赁公司收到的租金总额是108万，in，100万是你的本钱，不是收入，你的收入（也就是你说的利润来源）是8万，这8万的收入，扣减了税收、经营成本（比如说你的工资、bonus、差旅

cost

，公司的融资

cost

、办公室租金、Water and electricity、bad debts，等等等等）之后，才是融资租赁公司的所得税前利润。

1. 保证金约10%保证金是承租人的钱，承租人没有违约行为的话，在租期结束时，出租人是要将保证金退给承租人的（或根据承租人的

Require

，用来冲抵部分租金）。That is to say，保证金要成为融资租赁公司的利润来源，前提条件是承租人违约。

你想想，承租人违约的意思是，他连租金都还不了了，融资租赁公司的损失是不是比这点保证金还要大？

1. 手续费手续费一则数额很小，再则，根据会计准则规定，手续费是要分摊到租赁期，逐月计提收入的，therefore，融资租赁公司在计算利息收入是，是将手续费作为利息收入的一部分来衡量项目的收益水平，说白了就是，我前面说的8%的利息收入，已经包含手续费收入了。
2. 设备佣金5%左右首先，我国70%以上的融资租赁业务是售后回租，也就是出租人从承租人（作为设备出售人）那儿购买它的自有设备并返租给承租人，你觉得让承租人给出租人任何一点设备销售佣金，有可能吗？

再说说剩下的不到30%的直接融资租赁业务，我们三十人论坛这些行业里的大型融资租赁公司，基本上都没可能从设备销售商拿到设备佣金，更不用说5%了，你觉得其它融资租赁公司拿到5%的佣金的可能性有多大？还有，设备厂家的销售利润是否有这么大的空间给5%的佣金？

看看上市的设备制造企业的财务报告中的毛利润率就知道了。5、国家对融资行业的补贴我理解你说的是国家对融资租赁行业的补贴。

国家对融资租赁行业的补贴，都是地方性的，主要是注册公司时的一次性补贴以及其后的年度地方财政补贴，这些补贴，高的每年也就几百、数千万，相对大型融资租赁公司数十亿、上百亿的营业收入，也就是个零头。certainly，还有像东莞等地政府，对某类设备的融资租赁业务提供1%左右的利息补贴，这也是很小的数额。

对于国家层面对农户购买农机（包括通过贷款或融资租赁方式购买）提供30%左右的补贴，受益人是农户（即承租人），不是出租人。

你想想啊，假设一台农机的销售价格是100万，农户购买（或通过贷款以及通过农银租赁等大型租赁公司融资租赁）是七、八十万，谁还会通过“其它融资租赁公司”花110多万到120多万的成本来获得设备？6、售后回租售后回租产生的利润，就是前面第一项所说的利息收入。 如何注册外资融资租赁公司？

如何注册内资融资租赁公司？外资融资租赁公司与内资融资租赁公司在注册和办理中有什么不同？详情可咨询 港信通-张经理！

About Hong Kong Xintong

Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。