Port communicationModern financial leasing originated in the United States after World War II。After World War II，There is a surplus of industrial production in the United States，In order to promote the equipment produced by manufacturers,，Start providing financial services to users，Right now:Pay in installments、Consignment、Sell your own equipment on credit。Since ownership and usage rights are transferred simultaneously，The risk of capital recovery is relatively high。
So some people began to borrow the traditional leasing method，Retain ownership of items sold with the seller，The purchaser only has the right to use，Until all the funds financed by the lessor are recovered in the form of rent，ownership is transferred to the purchaser at a nominal price。
This approach is called”finance lease”，1952The world's first financial leasing company was established in the United States–American Rental Company(Now renamed American International Leasing Company)，Pioneered modern leasing。
Shenzhen's financial leasing license application collapses the feverish gathering of the number and registered capital of China's development companies，The financial leasing industry has become a hot topic in 2012.”Make a lot of money by covering your head”industry，Financial leasing will become a new highlight of future financial development，Large room for development，Because no matter from the perspective of the proportion of financial leasing in GDP or the penetration rate,，There is a big gap between our country and the international community at this stage.，There is plenty of room for improvement in the future。
The proportion of financial leasing in various countries’ GDP continues to fluctuate，overall，Developed countries have a higher proportion of，The share of the BRIC countries fluctuates around 1%，But China’s share has always been below 1%，High potential for future development。
The development status of Folding With the expansion of the scale of the financial leasing industry，Competition among various financial leasing companies is becoming increasingly fierce，Excellent domestic financial leasing companies are paying more and more attention to the research of the industry market，In particular, in-depth research on corporate development environment and changes in customer demand trends。
Because of this，A large number of outstanding domestic financial leasing companies have emerged rapidly，Gradually becoming a leader in the financial leasing industry!Financial institution leasing companies have become the dominant leasing organization system in many countries.。However, it is clearly stated”Compared to countries where leasing services are provided by banks or universal financial institutions，In countries where separate leasing companies operate most operations，rental penetration(Proportion of leasing in investment financing)higher。
The reason is that，The latter’s related skills have been put into greater use，Pay more attention to the market。However, in some markets，than banks with access to low-cost deposit funding，Leasing companies may be at a disadvantage，If before the market penetration rate of professional leasing companies reaches 5%-10%，Banks begin to compete，This is even more the case。
Leasing companies are one of extremely limited bank competitors，Its competition with banks is beneficial to the development of the leasing industry，And when the leasing company is controlled by the bank，This benefit disappears。”Under China’s current management system，Financial leasing company as acquisition of leased assets、investment and management institutions，Can be a financial institution，Can also be a non-financial institution。The financial leasing business itself does have two market functions: financing services and trading services.。
A financial leasing company is defined as a financial institution engaged in financing services based on the market functions of its financial leasing business.，It is also a non-financial trading organization engaged in promoting the circulation and sales of leasing logistics.，Obviously not suitable。The debt investment business engaged in by a financial leasing company is a financing service to the lessee.，Has the nature of financial services。However, institutions that provide financial leasing services are not necessarily financial institutions.。
Whether a financial leasing company itself is a financial institution is entirely determined by the company’s shareholder background and the business scope obtained by the company in accordance with relevant regulations on market access standards.。
If its shareholder background is a bank、Insurance、trust、Securities and other financial institutions and reach a certain shareholding ratio，Or the company is established in accordance with relevant market access regulations promulgated by the financial authorities.，In addition to engaging in financial leasing business，You can also engage in deposit taking、loan、Interbank lending and other financial services，Then this financial leasing company is a leasing asset investment and management institution in the nature of a financial institution.。
If its shareholder background is a manufacturer or a general industrial and commercial enterprise、A financial leasing company established by a non-financial investment institution that specializes in financial leasing business，The company's business scope does not involve taking deposits and other financial businesses.，Then this financial leasing company obviously should not be defined as a financial institution。
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