Port communicationfinance lease(Financial Leasing)Also known as equipment rental(Equipment Leasing)or modern rental(Modern Leasing)，A lease that substantially transfers all or most of the risks and rewards associated with ownership of an asset。Ownership of assets can eventually be transferred，It is also possible not to transfer。The characteristics of financial leasing are generally summarized into five aspects。
one，The leased property is determined by the lessee，The lessor invests in the purchase and leases it to the lessee for use，And it can only be rented to one enterprise during the lease period.。two，The lessee is responsible for inspecting and accepting the leased items provided by the manufacturer，The lessor does not guarantee the quality and technical conditions of the leased property to the lessee.。three，The lessor retains ownership of the leased property，The lessee pays rent during the lease period and enjoys the right to use it，And be responsible for the management of the leased property during the lease period、Repair and maintenance。
Four，Once the lease contract is signed，Neither party has the right to unilaterally cancel the contract during the lease period。The execution of the contract can only be suspended if the leased property is destroyed or is proven to have lost its use value.，If you break the contract without any reason, you will have to pay a heavy penalty.。five，After the lease ends，Lessees generally have two options for the leased property: to purchase or to return the lease.，If you want to stay and buy，The purchase price can be determined by negotiation between the leasing parties。
Financial leasing can be divided into these categories:，Simple financial lease、Leveraged finance lease、Entrusted financial leasing、Project finance lease、Operate new lease、International financing sub-lease、direct financing、indirect financing。Simple financial lease：The lessee chooses the rental items to be purchased，The lessor leases the leased items to the lessee after assessing the risks of the leased project.。
The lessee has no ownership rights but has the right to use them during the entire lease period，and be responsible for the repair and maintenance of rental properties。The lessor is not responsible for the quality of the leased property，Equipment depreciation is on the lessee’s side。Leveraged finance lease：It is similar to a syndicated loan，It is a kind of financial leasing with tax benefits that specializes in large-scale leasing projects.，Mainly led by a leasing company as the backbone company，Financing a very large leasing project。
First, establish an operating organization that is separate from the main body of the leasing company—a fund management company specifically established for this project to provide more than 20% of the total project amount.，The rest of the funds come from mainly absorbing idle money from banks and society.，Take advantage of 100% of the benefits of low tax by leveraging "two for eight"，Obtain huge amounts of funds for leasing projects。The rest of the practices are basically the same as financial leasing.，However, the complexity of the contract increases due to the wide range of。
due to tax benefits、operating instructions、Good overall benefits、Rent Recovery Security、
cost
Low，Generally used in aircraft、ship、Financial leasing of communication equipment and large complete sets of equipment。Entrusted financial leasing：There are two ways，One way is for people who own funds or equipment to entrust non-bank financial institutions to engage in financial leasing，The first lessor is also the principal，The second lessor is also the trustee。
The lessor accepts the principal’s funds or the subject matter of the lease，According to the client’s written authorization，Handle financial leasing business to the lessee designated by the principal。During the lease period, the ownership of the leased object belongs to the principal.，The lessor only charges a handling fee，No risk。A major feature of this kind of entrusted leasing is that it allows companies without leasing rights to，Can "borrow rights" to operate。E-commerce leasing relies on entrusted leasing as a business leasing platform。
The second way is that the lessor entrusts the lessee or a third party to purchase the leased property.，The lessor pays the price according to the contract，Also known as entrusted purchase and financial leasing。Project finance lease：The lessee guarantees the property and benefits of the project itself，Sign a project finance lease contract with the lessor，The lessor has no recourse to the lessee’s property and income other than the project，The collection of rent can only be determined based on the cash flow and benefits of the project。
The seller (i.e., the manufacturer of rental items) uses this method to promote products through the rental company it controls.，Expand market share。Communication equipment、Large medical equipment、Transportation equipment and even highway operating rights can use this method。Others include return rentals，Also known as sale and leaseback financial leasing；Financing to lease，Also known as refinancing leasing, etc.。
operating lease：There is a residual value of more than 10% when calculating rent on the basis of finance lease，at the end of the tenancy，The lessee can choose to renew the lease of the leased property、Rent out、Stay and buy。The lessor can provide maintenance and repairs on the leased property，It is also possible not to provide，In accounting terms, the lessor depreciates the leased items。
International financing sub-lease：If the leasing company finances the leased property from other leasing companies，sublet to the next tenant，This business method is called financing sub-leasing，Usually conducted internationally。At this time, the business practices are not much different from simple financial leasing.。
The lessor’s business process of leasing equipment from other leasing companies，Since it is conducted between financial institutions，during actual operation，Only the financing amount is determined based on the purchase contract，There is always no direct connection with the end lessee in terms of financing the purchase of the leased property.。Can be very flexible in approach，Sometimes the leasing company even directly uses the purchase contract as the leased asset to sign a sublease contract.。
This approach is actually a way for leasing companies to raise funds.，The leasing company, as the first lessee, is not the end user of the equipment.，Therefore, depreciation of leased items cannot be extracted.。Another function of sub-leasing is to solve the legal and operational procedural issues of cross-border leasing.。direct financing：Direct financing means that the supply and demand sides of funds directly form a creditor-debt relationship through certain financial instruments.，A method of financing funds without a financial institution as an intermediary。
The unit that needs to borrow funds and the unit that lends funds will transfer monetary funds through direct agreement.。Direct financing forms include：Buy and sell securities，Advance deposits and goods sold on credit，Currency lending, etc. without going through financial institutions such as banks。?Direct financing can absorb social hot capital to the greatest extent，Direct investment in enterprise production and operation，thus making up for the lack of indirect financing。
indirect financing：Indirect financing refers to the form of deposits by units with temporarily idle monetary funds.，or buy bank、trust、Securities issued by insurance and other financial institutions，Provide their temporarily idle funds to these financial intermediaries in advance，These financial institutions then use loans、Discount etc.，or securities issued by purchasing units that require funds，Provide funds to these units for use，To achieve the process of financial integration。
Shenzhen’s Measures for the Registration and Registration of Online Lending Information Intermediaries follows the Guangdong Province’s promulgation of the Measures for the Registration and Management of Online Lending Information Intermediaries in March this year.，Yesterday, Shenzhen City also officially issued a draft for soliciting opinions.，It is clearly stipulated that it shall be established in accordance with the law within the administrative jurisdiction of Shenzhen City.，How will financial information intermediary companies that specialize in online lending information intermediary business activities conduct filing and registration?，The specific details are as follows：Internet financial filing 1、[Purpose and basis]In order to regulate the business activities of online lending information intermediaries in this city，Promote the healthy development of the online lending industry，According to the "Guiding Opinions on Promoting the Healthy Development of Internet Finance"、"Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries"、"Guidelines for the Registration and Management of Online Lending Information Intermediaries" and other regulations，Combined with the actual situation of this city，Formulate these measures。
2、 [Scope of application]The term “online lending information intermediaries” as mentioned in these Measures refers to those established in accordance with the law within the administrative jurisdiction of Shenzhen City.，A financial information intermediary company specializing in online lending information intermediary business activities。
Municipal Finance Office、Shenzhen Banking Regulatory Bureau jointly takes the lead，In conjunction with the Municipal Market and Quality Supervision and Administration Commission、Municipal Public Security Bureau、Municipal Communications Administration、Municipal Internet Information Office and other relevant departments，Establish the Municipal Joint Meeting on Online Lending Supervision (hereinafter referred to as the Municipal Joint Meeting)，Jointly promote the filing and registration of online lending information intermediaries within the jurisdiction。
3、[regulatory agency]The Municipal Finance Office is responsible for the institutional supervision of online lending information intermediaries in this city.；The Shenzhen Banking Regulatory Bureau is responsible for the behavioral supervision of online lending information intermediaries in the city.；The Municipal Market and Quality Supervision and Administration Commission is responsible for the commercial registration of online lending information intermediaries in this city.；The Municipal Public Security Bureau is responsible for the safety supervision of the Internet services of online lending information intermediaries in this city.；The Municipal Communications Administration Bureau is responsible for supervising the telecommunications business involved in the business activities of online lending information intermediaries.；The Municipal Cyberspace Administration of China collaborates with relevant departments to review the content of Internet financial information services.、Supervision of online financial information security and other businesses。
4、[Establish conditions]Encourage strong profitability、A legal person shareholder with a sound governance structure initiates the establishment of an online lending information intermediary agency，Increase paid-in capital；Support online lending information intermediaries in hiring people with extensive financial industry experience as senior managers，Improve internal control mechanism，Improve business management level。Internet finance company registration transfer! Internet financial company registration! For specific details, please consult Hong Kong Xintong-
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Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
