Financial lease post-lease management and residual value disposal

The post-financial leasing work is also very important.，It involves several situations，The staff of the leasing company should do different tasks according to the corresponding situation.。This article lists various situations and different coping methods in the later period.，And how to deal with the residual value of various leasehold properties，Hope it helps everyone。

one、Payment is subject to the terms of the lease contract，Collect various leasing business receivables from relevant parties of the leasing business，Including but not limited to rent receivable、commission、commitment fee、handling fee、Residual value of leased property 2、Rent recovery 1) Ten days before the rent payment date is due，Send a "Rent Payment Notice" to the tenant，Remind tenant applicants to raise funds for rent repayment；2) On the rent payable date, check with the financial department whether the rent has been received.：If the account does not arrive, check the reason。

Receipt within ten days，After arrival，Calculate the delay interest and notify the lessee to pay the delay interest and claim the delay interest.；The rent has not been paid ten days after the due date，Send an Overdue Rent Collection Notice，Issue a "Notice of Rent Payment on behalf" to the guarantor

Require

assist，and

Require

The tenant’s reply on the reasons for rent arrears and the solutions being taken；The rent has not been paid one month after the due date，The Risk Management Department should go to the lessee’s site together with the project leader of the Business Development Department，Understand the situation，Collection of rent。

After the rent arrives，Issue lease invoice to lessee；3) The rent must be paid directly to the company by the lessee in the manner stipulated in the contract.，It is not allowed to change hands with others in the process. 3、Post-rental inspection 1) Business managers should conduct post-rental management according to the

Require

Carry out inspection and monitoring of tenants，Take timely measures when problems are discovered，Ensure the safe operation of rent recovery。

2) for those with residual value，Business managers should also follow the residual value management plan

Require

The operating status of the leased asset、Determine and evaluate whether there are ownership risks and changes in value，And combined with market monitoring information and various information related to leased assets obtained from other channels，Comprehensive analysis of the residual value of leased assets and their risk profile，Write analysis reports and submit them to the Risk Management Department。

Four、Residual value assessment 1) Financial leasing business that is not fully paid off (remaining residual value)，Business management departments should pay close attention to the fair value and changes of leased assets，Periodically issue an evaluation report approved by the leasing company or the company's asset management staff with reference to relevant market information.。

2) Early warnings should be issued in a timely manner if the operating status of assets deteriorates or the market value drops rapidly.、Residual value disposal 1、Business handling departments and personnel should promptly initiate residual value management and disposal work at the end of the lease in accordance with the residual value management plan according to the lease business term.。

1) for lease terms of three years (inclusive) and below，The business handling department should start the residual value disposal work six months before the end of the lease. 2) For leases with a lease term of more than three years，Residual value management and disposal should be initiated one year before the end of the lease term2、The residual value disposal work includes but is not limited to the determination of the lessee’s purchase of the leased assets after the end of the lease period.、Choice of renewal or withdrawal from the group、residual value assessment、Contact the residual value guarantor to complete the relevant work as agreed in the contract, etc.，Carry out work according to different choices of tenants：1) The lessee plans to renew the lease，Handle the financial leasing business process and handle the leasing procedures in accordance with the contract and the relevant provisions of these Measures；2) the lessee intends to retain and purchase，If the purchase price is specified in the contract，The business handling department should urge the lessee to transfer the retained purchase money to the company account in a timely manner，After the transfer, go through the purchase procedures in accordance with the contract；If not clear，The business department should take the lead in conducting business negotiations with the lessee，Determine the purchase price，Report to the authorized approver for review and approval.。

3) The lessee plans to withdraw from the group，The business handling department should conduct an evaluation of the leased items，If the appraised value of the leased property cannot reach the residual value set in the contract,，answer

Require

The lessee shall compensate for the difference，and go through the withdrawal procedures after receiving compensation.。

seven、Remarks for full repayment of financial leasing business，The lease contract has stipulated the purchase price，After receiving the price，Transfer ownership of the property to the tenant，开据租赁发票，With this, the lessee converts the finance-leased fixed assets into its own fixed assets.，The lease relationship ends。

Non-fully repayable financial leasing business，If the lessee already has the intention to purchase，Need to have residual value guarantee，through third parties，After collecting the reserved purchase price，Indirect transfer of ownership of leased property to lessee。(Registration of financial leasing company)，Please note "financial lease"，Thanks!）

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