Port communicationShenzhen foreign investment、Establishment of joint venture financial leasing company
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Shenzhen foreign investment、Establishment of joint venture financial leasing company
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Shenzhen Financial Leasing Company Transfer，transfer，Register a financial leasing company in Shenzhen。1、Financial leasing companies can provide customers with comprehensive financial services in addition to providing equipment financing for high-quality lessees.，Factoring financing for companies that meet the conditions for factoring business。
same，Commercial factoring provides factoring financing for high-quality sellers，Can provide financial leasing business，Not only improves efficiency but also provides comprehensive services to customers。
2、Commercial factoring can provide post-loan management for financial leasing. The credit risk of financial leasing is mainly that the lessee must pay rent and interest on time.，As a business, the lessee’s main source of rent, interest, etc. is income.，If the financial lease carries out a financial lease to the lessee，Using a commercial factoring company to transfer lessee’s accounts receivable，More than just monitoring tenant cash flow，The accounts receivable received from the lessee's customers can also be paid to the lessee on time according to the contract and used to pay rent and income, etc.，Carry out post-loan management。
3、Financial leasing companies can provide refinancing channels for commercial factoring companies. At present, most financial leasing companies have foreign shareholder backgrounds.，Financial leasing companies can use foreign debt lines such as investment differences to provide refinancing for commercial factoring companies or commercial factoring businesses.。
Commercial factoring has become a major issue in recent years as competition in international trade has become increasingly fierce., The international trade buyer's market gradually formed and rapidly emerged as a collection of trade finance.、Business credit investigation、Comprehensive financial services business integrating accounts receivable management and credit risk guarantee。The current development status of commercial factoring in the country has always been a focus of our attention，Financial services with great development potential in the country，It provides financing services to small and medium-sized enterprises based on the transfer of their accounts receivable.。
Commercial factoring specifically refers to the transfer of accounts receivable by the supplier to the factor，Accounts receivable financing provided by factors、manage、Trade finance tools for comprehensive financial services such as collection and credit risk management，Its essence is that the supplier converts the buyer's credit into its own credit，Financing through accounts receivable。Double factoring business model International factoring is usually double factoring。
In double factoring mode，The agreement is signed between the exporter and the factor in the exporting country.，The export factor and the import factor also signed an agreement，mutual entrustment agency business，Export factors provide factoring services based on the needs of exporters。In double factoring mode，Even if accounts receivable has been approved，There is no guarantee that the import factor will bear the credit risk.。therefore，Factoring companies cannot relax accounts receivable review because of double factoring。
In order to reduce the risks caused by，Factoring companies should understand both parties to the trade，Ensure exporters’ ability to fulfill contracts，Avoid importers raising objections due to quality issues；at the same time，The importer’s credit standing and payment ability should be understood。
because，The import factor serves as the export factor's agent and the importer's credit guarantor.，If the importer is solvent,Then the interests of the import factor are consistent with those of the exporter,It will make every effort to win the case for itself or the exporter,in order to make a judgment
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Importer payment,avoid or reduce losses;If it is known before the lawsuit that the importer is insolvent,The import factor may take the side of the importer and hope that he or the exporter loses the case.,To achieve the purpose of releasing liability for compensation。
The solvency of importers is the key to the behavioral orientation of import factors。therefore，Factoring companies review the solvency of the importer and the creditworthiness of the import factor。Learn from international double factoring business，Domestic factoring can also adopt the dual factoring business model。In this mode，Buyer’s bank and factoring company are equivalent to import factors，Seller factoring company is equivalent to export factor。
my country has a vast territory，Buyers and sellers may be thousands of kilometers apart，It is difficult for factoring companies to understand the credit standing and solvency of enterprises purchasing from other places.，Use the buyer's local bank and factoring company to assume the role of import factor，Can effectively control risks，Improve factoring business efficiency。Domestic double factoring business is business innovation，There are no corresponding general business rules in China，The seller's factor and the buyer's factor need to negotiate to determine their respective rights and obligations.。
To be widely recognized by factoring companies and banks，A lot of publicity and marketing work needs to be done [Classification of financial leasing companies] 1. Due to different regulatory agencies and the nature of investment，Leasing companies that can be divided into financial systems、Foreign financial leasing companies and domestic pilot financial leasing companies。
Financial leasing companies in the financial system are subject to the approval of the China Banking Regulatory Commission，Registered capital is more than RMB 100 million；Foreign-invested financial leasing companies are subject to the approval of the Ministry of Commerce，Registered capital exceeds USD 10 million，The Ministry of Commerce has now delegated approval authority to each province.、Municipal Commerce Commission；Domestic pilot financial leasing companies are jointly approved by the Ministry of Commerce and the State Administration of Taxation，Registered capital is more than RMB 170 million。After acceptance by the provincial commerce commissions, they will be forwarded to the Ministry of Commerce and the State Administration of Taxation for approval.。
2. Due to different sources of funds and business purposes，Can be divided into manufacturer type financial leasing companies and independent type financial leasing companies。Manufacturer-type financial leasing companies are financial leasing companies mainly funded by machinery and equipment providers.，The business purpose is to support sales business development，Independent financial leasing companies are established with investment from social capital or bank capital.，The purpose of business is to obtain rental income。
The following focuses on the establishment conditions of foreign-funded financial leasing companies and domestic-funded pilot financial leasing companies.、Establishment procedures and supervision
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，These are the two main forms that newly established financial leasing companies examine.。
[Conditions for establishment of financial leasing companies] Domestic-funded pilot financial leasing companies. The proposed establishment of domestic-funded pilot financial leasing companies must meet the following requirements:
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：1.Domestic pilot financial leasing company*170 million yuan，and requires actual capital verification；2.Have a sound internal management system and risk control system；3.Has five senior executives with finance-related majors、And such executives have more than 3 years of management experience in finance or financial leasing companies；4.The shareholder company has an industry background related to engaging in financial leasing products；At the same time, highlight the core business，Stable source of funds、Equity relationship is simple and transparent、Sound corporate governance structure、Development strategy and profit model are clear，Good integrity and tax record；5.And the priority pilot areas are equipment manufacturing and sales for major shareholders.、Field background of large-scale engineering construction and infrastructure construction，Or serve small, medium and micro enterprises and rural agricultural modernization development，National Economic Reform and Development Pilot Zone、Economic construction services for advanced economic and technological development zones, etc.。
6.at the same time，Must fully explain the parent company’s operating conditions (operating income、profit、Asset-liability ratio、Including tax status)、The main business areas to be considered when planning to carry out financial leasing business、business model、Source of funds、The overall business development plan for the next three years and the risk control and other internal management systems of the proposed pilot company。 Contact Hong Kong Xintong-
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