Financial leasing registration requirements and operating model

1) P2L model ① Financial leasing company cooperates with P2P platform，Entrust the platform to raise funds to purchase rental properties；②The financial leasing company displays the loan information of the leasing project to investors on the platform in the form of loan bids，Includes financial leasing project information、Borrowing amount、interest rate、Borrowing term、Guarantee measures, etc.；③P2P platform cooperates with third-party payment companies，Host the funds invested by investors to a third-party payment company；④Investors purchase targets through P2P platforms，And remit the funds to the third-party payment platform；⑤The P2P platform instructs the third-party payment company to issue loans to the financial leasing company；⑥The financial leasing company obtains funds to purchase the leased property and rents it to the lessee，Transfer the collected rental income to a third-party payment platform；⑦The third-party payment company returns the proceeds to investors according to the instructions of the P2P platform。

1. Direct leasing model - no financial leasing company involved ① The lessee chooses the leased property to be purchased according to his own needs, etc.，And entrust the P2P platform to present the leasing plan to investors；②P2P platform publishes relevant financing information on its platform；③The investor entrusts the P2P platform to purchase the leased property and signs the "Entrusted Procurement Agreement"；④The investor pays the investment amount to the third-party payment platform；⑤P2P platform as an intermediary，Entrusted by investors to purchase leased items from suppliers；⑥The investor leases the leased property to the lessee；⑦The lessee pays rent and interest to the third-party payment platform；⑧Third-party payment platform delivers investment income to investors, etc.。

Under these modes，P2P platforms play the role of financial leasing companies to a certain extent。The source of rent can be the lessee’s daily operating income or income from the realization of the leased property.。Notice：

1. The above two models are essentially ordinary loans.，Its risk control method is also realized by the borrowing enterprise providing mortgage or pledge or the third party providing guarantee.。
2. According to the provisions of Article 17 of the "Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries"：“The amount of online loans should be mainly small amounts。

…The upper limit of the loan balance of the same natural person on the same online lending information intermediary platform shall not exceed RMB 200,000.;The upper limit of the loan balance of the same legal person or other organization on the same online lending information intermediary platform shall not exceed RMB 1 million.;The total loan balance of the same natural person on different online lending information intermediary platforms shall not exceed RMB 1 million.;The total loan balance of the same legal person or other organization on different online lending information intermediary platforms shall not exceed RMB 5 million.。

"Based on this，According to current regulatory requirements，To prevent the risk of credit concentration，at present，Implement an upper limit on the loan balance of the same borrower on the same online lending information intermediary platform and on different online lending information intermediary platform platforms。Although，In practice, there are still some mutual financial platforms that exceed the upper limit and issue bids.，However, regulators currently have an ambiguous attitude towards this breakthrough.，That is to say, the regulatory authorities have not taken clear prohibitive measures against excessive bidding in the market.。

However，If the bid exceeds the limit，In the future, as the regulatory situation tightens, it may also be subject to supervision.。finance lease

Application conditions

：

1. Low registered capital of US$10 million，Financial leasing under the sale-leaseback model has a low registered capital of US$30 million
2. Audit report，Government notarized documents，Bank credit certificate
3. Company shareholder structure，Legal representative，Candidates for supervisors
4. feasibility study report

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