Financial leasing companies that commercial banks intend to grant credit to must meet the following conditions:

商业银行拟授信的融资租赁公司原则上应符合以下条件：

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； 一是融资渠道太过狭窄。

除却央企和实力派上市公司背景的租赁公司，股东能够实际投入用来开展业务的资金非常有限，而其他可预见的资金渠道目前绝大部分限于银行。

现在大批大批新成立的融资租赁公司，Shenzhen、Beijing、Shenzhen、天津等每个地区都有几百家融资租赁公司，银行贷款方面对于租赁公司的资质

Require

very high，特别是看重股东方实力和担保——虽然银行对中小租赁公司的贷款成本不低，即使是基准上浮三十，但仍然是租赁公司的命脉所在，如果这条路不通畅，租赁公司就基本运作不下去了。

目前很多家租赁公司都开始建立自己的P2P平台来融资，名义上看好互联网金融，实际上却是一种无奈之举，P2P的融资成本虽然高，但是至少给租赁公司打开了一条直接融资通道，使其至少能存活下来，稍微摆脱银行信贷的苛刻条件。

但且不说发行这样的P2P产品期限与融资租赁业务期限的不匹配给融资租赁公司带来的严重的流动性风险问题，单单现在这样几乎所有P2P平台普遍收益率百分之十到二十的融资成本要转嫁到承租人客户上，势必将会造成融资租赁公司利润率下滑，竞争力不强，难以开发优质客户的局面，只能挑经过银行、Financial leasing company、成本低的融资租赁公司、信托等等机构剩下的相对劣质的客户。

1. Have sound corporate governance、internal control、business operations、Risk prevention and other systems；
2. Good operating performance in the past three years，No record of violation of laws and regulations；
3. 近三年在金融机构无不良信用记录，No major lawsuits that may affect the company's normal operations have occurred。
4. 通知承租人并由承租人出具《确认回执单》系根据《合同法》的规定，债权转让对债务人生效的前提条件；
5. 保理手续费：费率一般为千分之一至千分之五，According to actual situation，亦可以免除；
6. 租赁设备抵押：融租保理时，应设定抵押，银行为第一抵押权人；
7. 保理担保：由承租人自身或者供应商、其他第三方提供保证或物权担保，在有追索权的情形下，向银行回购银行未收回的融资款；
8. 租赁发票由租赁公司开具，并委托银行交付给承租人；
9. 购买保险：承租人应为租赁物办理必须的财产保险，银行为第一受益人。

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