Port communication外资融资租赁（商业保理）企业备案重点?融资租赁一、商投资融资租赁公司应当符合下列条件（一）投资方（中外合资，外方股东股比应不低于25%）。1、外方股东需要提供的材料（以香港公司为例）（1）公证认证：The company has been established for more than one year；The business registration certificate is within the validity period。
（2）审计报告：Total assets at the end of the previous year shall not be less than US$5 million，Net assets are positive，Have business flow，Book funds match the amount of capital contributed。2、中方股东需要提交的材料（1）营业执照：Established for more than one year。（2）审计报告：Net assets were positive at the end of the previous year，Have business flow，Book funds match the amount of capital contributed。
（二）3名高级管理人员：运营总监，Business Director，Risk Control Director，不少于3年金融行业专业岗位工作经验。（1）持有金融牌照企业（银行、Insurance、securities、信托等）工作经验。（2）融资租赁公司工作经验。（3）大型金融企业工作经验（知名资产管理、投资基金公司）。（三）经营期限一般不超过30年。
Business scope：Financial leasing business；leasing business；Purchasing rental properties domestically and internationally；Residual value treatment and repair of leased property。(Four)
Things to note
：中外股东的实际控制人若为自然人，则需提供其投资实业或者融资租赁方面的经验。以上文件，中方股东加盖公章，香港股东加盖签名方章并由有权签字人签名。
two、商投资商业保理公司应当符合下列条件（一）公司注册资金不低于5000万元人民币，自营业执照签发之日起6个月内全部实缴到位。（二）投资方（中外合资，外方股东股比应不低于25%）。1、外方股东需要提供的材料（以香港公司为例）（1）公证认证：The company has been established for more than one year；The business registration certificate is within the validity period。
（2）审计报告：上一年末总资产不低于5000万人民币，Net assets are positive，Have business flow，Book funds match the amount of capital contributed。2、中方股东需要提交的材料（1）营业执照：Established for more than one year。（2）审计报告：Net assets were positive at the end of the previous year，Have business flow，Book funds match the amount of capital contributed。
（三） 经营范围：Providing trade finance by transferring accounts receivable；Collection and settlement of accounts receivable、Management and collection；Sales account (classified) account management； Customer credit investigation and evaluation；Related consulting services。融资租赁是指在实质上转移与一项资产所有权有关的全部风险和报酬的一种租赁。
融资租赁（Financial lease）是指出租方融通资金为承租方提供所需设备，具有融资、融物双重职能的交易，涉及出租方、lessee、供货人三方当事人，Includes rental contract、供货合同等两个或两个以上合同。
出租方根据承租方的
Require
and choice，与供货人订立供货合同支付货款，Enter into a lease contract with the lessee，将购买的设备租给承租方使用，租期大部分相当于设备寿命期。租赁期间内，承租方按合同规定分期向出租方交付租金。The ownership of the leased equipment belongs to the lessor，承租方在租期内享有设备的使用权。Lease expires，设备可由承租方留购，续租或退回出租方。
In the construction machinery industry，融资租赁业务也是在近几年被引入中国，是由出租人根据承租人对供货人和租赁标的物的选择，The lessor purchases the leased object from the supplier，A sales method that is then leased to a lessee。
A lease that meets one of the following conditions is a finance lease：(one)At the end of the lease period,Ownership of the leased asset is transferred to the lessee；(two)The lease term is the majority of the asset’s useful life(75%or above)；(three)租赁期内租赁低付款额大于或基本等于租赁开始日资产的公允价值。
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