Port communication注册融资租赁公司 目前，Many small and medium-sized enterprises in my country have backward equipment、low technical level，Facing increasingly fierce market competition，It is particularly important to update and modify equipment，This requires a lot of money。在这种情况下注册融资租赁公司业务就是一种非常好的方式。
1.名为租赁实为借贷模式 （1）P2L模式 ①融租公司与P2P平台开展合作，Entrust the platform to raise funds to purchase rental properties； ②The financial leasing company displays the loan information of the leasing project to investors on the platform in the form of loan bids，Includes financial leasing project information、Borrowing amount、interest rate、Borrowing term、Guarantee measures, etc.； ③P2P platform cooperates with third-party payment companies，Host the funds invested by investors to a third-party payment company； ④Investors purchase targets through P2P platforms，And remit the funds to the third-party payment platform； ⑤The P2P platform instructs the third-party payment company to issue loans to the financial leasing company； ⑥The financial leasing company obtains funds to purchase the leased property and rents it to the lessee，Transfer the collected rental income to a third-party payment platform； ⑦The third-party payment company returns the proceeds to investors according to the instructions of the P2P platform。
（2）直租模式——无融租公司参与 ①承租人根据自身需要选择需要购买的租赁物等，And entrust the P2P platform to present the leasing plan to investors； ②P2P platform publishes relevant financing information on its platform； ③The investor entrusts the P2P platform to purchase the leased property and signs the "Entrusted Procurement Agreement"； ④The investor pays the investment amount to the third-party payment platform； ⑤P2P platform as an intermediary，Entrusted by investors to purchase leased items from suppliers； ⑥The investor leases the leased property to the lessee； ⑦The lessee pays rent and interest to the third-party payment platform； ⑧Third-party payment platform delivers investment income to investors, etc.。
Under these modes，P2P platforms play the role of financial leasing companies to a certain extent。The source of rent can be the lessee’s daily operating income or income from the realization of the leased property.。 Notice： （1）上述两种模式实质为一般的借贷，Its risk control method is also realized by the borrowing enterprise providing mortgage or pledge or the third party providing guarantee.。
（2）根据《网络借贷信息中介机构业务活动管理暂行办法》第十七条的规定：“The amount of online loans should be mainly small amounts。
…The upper limit of the loan balance of the same natural person on the same online lending information intermediary platform shall not exceed RMB 200,000.;The upper limit of the loan balance of the same legal person or other organization on the same online lending information intermediary platform shall not exceed RMB 1 million.;The total loan balance of the same natural person on different online lending information intermediary platforms shall not exceed RMB 1 million.;The total loan balance of the same legal person or other organization on different online lending information intermediary platforms shall not exceed RMB 5 million.。
” 基于此，According to current regulatory requirements，To prevent the risk of credit concentration，at present，Implement an upper limit on the loan balance of the same borrower on the same online lending information intermediary platform and on different online lending information intermediary platform platforms。Although，In practice, there are still some mutual financial platforms that exceed the upper limit and issue bids.，However, regulators currently have an ambiguous attitude towards this breakthrough.，That is to say, the regulatory authorities have not taken clear prohibitive measures against excessive bidding in the market.。
However，If the bid exceeds the limit，In the future, as the regulatory situation tightens, it may also be subject to supervision.。
2.租金债权转让模式 （1）P2P平台对承租人进行尽调，确定项目的可行性； （2）P2P平台向投资者展示融租项目债权转让信息； （3）融资租赁公司与投资人签署《债权转让合同》，将其持有的对承租人的债权转让给投资人；投资人取代融租公司成为债权人，其在受让债权的同时取得融租公司所享有的担保权利； （4）投资人通过P2P平台向第三方支付机构支付投资款项； （5）经P2P平台指令，第三方支付机构向融租公司支付资金； （6）承租人按期通过第三方支付机构交付租金； （7）经P2P平台指令，第三方支付机构向投资人交付租金即投资收益。
3.租金收益权转让模式 财产所有权包括占有、use、income、处分四种权能，租金收益权转让即融租企业将其对承租人基于融资租赁关系所产生的债权中的租金收益权转让给P2P平台的投资人，融租公司作为承租人的债权人，享有除租金收益权以外的其他权能，而投资者只享有租金收益请求权。
操作模式如下： （1）融租企业对承租人尽调，满足条件后，将租赁物交付给承租人； （2）P2P平台将租金收益权转让信息在其平台公布； （3）投资人与融租公司签署《收益权转让合同》； （4）投资人向第三方支付机构支付收益权转让款； （5）经P2P平台指示，第三方支付机构向融租公司支付收益权转让款； （6）承租人向第三方支付机构支付租金；
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