Establish a financial leasing enterprise

Establishing a financial leasing enterprise Overview of commercial factoring The so-called factoring contract refers to the contract entered into between the supplier and the factor，The accounts receivable involved in this contract should be the accounts receivable arising from the sales contract signed by the supplier and its customer.，And for individuals、Accounts receivable arising from the sale of goods for family or home use are not accounts receivable for this type of business.，At the same time, the factor should at least provide financing、Account management、Account collection、At least two services including bad debt guarantee。

According to my country's "Interim Measures for the Administration of Factoring Business of Commercial Banks"，Factoring business is collection of accounts、manage、Financial services integrating bad debt guarantee and financing，And it is premised on the transfer of accounts receivable by the creditor。Commercial factoring business mainly refers to factoring business carried out by non-bank institutions，It is consistent with the essence of factoring business。

对于商业保理的定义，是指债权人与保理商通过合同约定，will be based on the sale entered into with the debtor、Serve、Accounts receivable arising from basic contracts such as leasing are transferred to factors，Factoring companies provide at least two of the following financial services:：Financing、Account management、Collection、Credit investigation、Bad debt guarantee，Its core is the transfer and assignment of claims on accounts receivable，Achieve the financing purpose of the enterprise by providing advance payment of accounts receivable to the enterprise。

1. 自贸区政策 2013年9月，中国出台了《中国（上海）自由贸易试验区总体方案》，Financial leasing companies established in free trade zones are allowed to concurrently engage in commercial factoring business related to their main business.。

2014February，中国（上海）自由贸易试验区管理委员会出台《中国（上海）自由贸易试验区商业保理业务管理暂行办法》，According to Article 5 of the Interim Measures，Enterprises engaged in commercial factoring business can carry out the following businesses：

1. Import and export factoring business；
2. Domestic and offshore factoring business；
3. Consulting services related to commercial factoring；
4. Other permitted related businesses。

Financial leasing companies can apply to concurrently operate commercial factoring business related to their main business.，That is, the above-mentioned business related to leased properties and leased customers。at the same time，The interim measures also stipulate the conditions for commercial factoring enterprises，Should have relevant experience、financial strength、No bad credit record, etc.。Right now，A financial leasing company established and approved to engage in commercial factoring in the Free Trade Zone，Can carry out commercial factoring business related to leased properties and leased customers。

1. 对融资租赁行业的影响和意义 由于融资租赁业务，Using melt as carrier，for financing purposes，The relevant business must be established on the bridge of the leased property，The amount of financing is reflected in the value of the leased property，Through the sale and purchase of leasehold property，Realize the release of lease payments。

Currently, the mainstream leasing items on the market are airplanes.、ship、commercial vehicle、Construction machinery、Production equipment, etc.，In the long run, rental properties on the market will continue to be updated.，Continuously create opportunities for financial leasing companies，But in the short term、Starting from specific market entities，Demand for rental properties is limited，Generally, an enterprise will only make one purchase investment in equipment within three to five years or longer.，Therefore, for financial leasing companies，Generally, there is only one financing service for a customer。

Of course, this is based on a general situation analysis，It cannot be ruled out that individual companies have done well in expanding reproduction or upgrading equipment.，For example, transportation companies，Such as airlines and shipping companies, etc.，But judging from the data of the author’s company,，There is only one transaction between most production-oriented enterprises and financial leasing enterprises.。

The issues arising from this are manifold.，First, for financial leasing companies，Due to the limited financing needs of a single customer，in order to conduct business，Leasing companies need to constantly develop new customers，New surveys and reviews are required for new clients，It is bound to increase the operating costs of financial leasing companies。

Secondly，For customers，Since there are only a limited number of transactions with financial leasing companies，It is not easy to establish his good credit record in the financial leasing company，due to mutual unfamiliarity，The consequence is that customers’ financing costs in financial leasing companies will increase.。

*，for customers，Because financing deals between him and leasing companies are often one-shot deals，Less interdependence，Therefore, when customers are short of funds,，Because it is more dependent on banks，The bank can bring him new financing opportunities，So between choosing to repay the bank loan and rent from the leasing company，Customers are more inclined to repay bank loans，The leasing company breaches the contract。

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