寻找融资租赁公司代办

融资租赁公司代办 导读：The main source of profit from financial leasing is interest income (also called rental income)，Everything else is income other than the main business.，Income outside the main business accounts for a very small proportion of the financial leasing company’s income.，otherwise，Either doing accounting，调整未来的利息收入到当期（提前将未实现利息收入调成当期，即已实现利息收入），要么就不是融资租赁公司了。

Profit sources and income composition 1、租金收入约8% 首先，我们要弄清租金收入和利息收入的区别。租金收入包含了利息收入。简单举个例子，你租给承租人100万元的设备，一年期，8%年化利息，租金到租期结束时一次性支付。

So，一年期到了，融资租赁公司收到的租金总额是108万，in，100万是你的本钱，不是收入，你的收入（也就是你说的利润来源）是8万，这8万的收入，扣减了税收、经营成本（比如说你的工资、bonus、差旅

cost

，公司的融资

cost

、办公室租金、Water and electricity、bad debts，等等等等）之后，才是融资租赁公司的所得税前利润。

2、保证金约10% 保证金是承租人的钱，承租人没有违约行为的话，在租期结束时，出租人是要将保证金退给承租人的（或根据承租人的

Require

，用来冲抵部分租金）。That is to say，保证金要成为融资租赁公司的利润来源，前提条件是承租人违约。

你想想，承租人违约的意思是，他连租金都还不了了，融资租赁公司的损失是不是比这点保证金还要大？

3、手续费 手续费一则数额很小，再则，根据会计准则规定，手续费是要分摊到租赁期，逐月计提收入的，therefore，融资租赁公司在计算利息收入是，是将手续费作为利息收入的一部分来衡量项目的收益水平，说白了就是，我前面说的8%的利息收入，已经包含手续费收入了。

4、设备佣金5%左右 首先，我国70%以上的融资租赁业务是售后回租，也就是出租人从承租人（作为设备出售人）那儿购买它的自有设备并返租给承租人，你觉得让承租人给出租人任何一点设备销售佣金，有可能吗？

再说说剩下的不到30%的直接融资租赁业务，我们三十人论坛这些行业里的大型融资租赁公司，基本上都没可能从设备销售商拿到设备佣金，更不用说5%了，你觉得其它融资租赁公司拿到5%的佣金的可能性有多大？还有，设备厂家的销售利润是否有这么大的空间给5%的佣金？

看看上市的设备制造企业的财务报告中的毛利润率就知道了。 5、国家对融资行业的补贴 我理解你说的是国家对融资租赁行业的补贴。

国家对融资租赁行业的补贴，都是地方性的，主要是注册公司时的一次性补贴以及其后的年度地方财政补贴，这些补贴，高的每年也就几百、数千万，相对大型融资租赁公司数十亿、上百亿的营业收入，也就是个零头。certainly，还有像东莞等地政府，对某类设备的融资租赁业务提供1%左右的利息补贴，这也是很小的数额。

对于国家层面对农户购买农机（包括通过贷款或融资租赁方式购买）提供30%左右的补贴，受益人是农户（即承租人），不是出租人。

你想想啊，假设一台农机的销售价格是100万，农户购买（或通过贷款以及通过农银租赁等大型租赁公司融资租赁）是七、八十万，谁还会通过“其它融资租赁公司”花110多万到120多万的成本来获得设备？ 6、售后回租 售后回租产生的利润，就是前面*项所说的利息收入。

融资租赁的盈利模式 一、融资租赁的盈利模式 （一）债权收益 1.融资租赁公司，Carry out fully paid financial leasing business，获取利差和租息收益理所当然是金融租赁公司的*主要的盈利模式。

The spread income depends on the level of risk，一般在1-5% 2.采用融资租赁的方式配置信贷资金，For small and medium-sized enterprises, banks can control risks by increasing interest rates or leasing rates.，There is no need to lower interest rates for high-quality customers。Because the accounting and tax treatment of leases is different from loans，Actual Financing of Customers

cost

Not higher than the loan or not much higher。

（二）余值收益 1.提高租赁物的余值处置收益，Not only an important measure for financial leasing risk control，同时也是融资租赁公司（特别厂商所属的专业融资租赁公司）重要的盈利模式之一 2.厂商所属的专业融资租赁公司对设备具有维修、Remanufacturing expertise and broad customer base，Can provide a full range of financial leasing services，Especially the operating leasing business welcomed by customers。

Disposal of residual value of leased property for professional financial leasing companies，It shouldn't be a risk，It’s a new profit regeneration point，The rental property has been repaired、Remanufactured and resold through leasing companies、Re-lease to get better returns。This is exactly the core competitiveness of manufacturer financial leasing companies.。

3.According to the transaction conditions and performance of the financial lease contract and the equipment re-lease after recycling、Actual proceeds from resale less rent receivable and uncollected、Maintenance and other related

cost

after，The return on residual value is generally around 5-25%，Some large general equipment such as aircraft、The income from ships, etc. will be higher.。 （三）服务收益 1.租赁手续费。The leasing service fee is a contract management service charge that all financial leasing companies have.。

But depending on the size of the contract、Difficulty、How much is the initial investment in the project?、The level of risk and the differences in the operating models of different companies，The standards for charging handling fees are also different.，一般在0.5-3% 2.财务咨询费。Financial leasing companies are used in some large-scale project or equipment financing，Will provide customers with comprehensive financing solutions，A certain percentage of financial consulting fees or project success fees will be charged based on the financing amount.。

Depends on the size of the project，Charge ratio、Collection methods may vary，Generally, the financial consulting fee is around 0.25-5%. Financial leasing companies that are independent institutions established by professional investment institutions can carry out lease asset securitization.、Financial leasing and trust、Bond and finance lease portfolio、One of the important means of profit in relay services，It can also become an important intermediary business for financial leasing companies such as financial institutions.。 3.trade commission。

Financial leasing company as equipment purchaser and investor，Facilitates the circulation of equipment，Enable manufacturers and suppliers to expand market size，Achieved direct return of sales funds。Collect commissions on sales or discounts or insurance on large-scale purchases、Transportation commission is a very normal means of profit。

Professional financial leasing companies are often set up by manufacturers to collect various types of commissions in the trade link.、Or the main profit model of financial leasing companies that are independent institutions established by financial investors such as large institutions that sign financial leasing outsourcing services with manufacturers。 4.Service package charges。Financial leasing companies with manufacturer background will provide accessories and certain supplies of consumables in the financial leasing contract.、inspection、Professional training and other services。

Some of these services are advertised as free.，In fact, any service is not a free lunch，Financial leasing companies either charge separately，Either the candidate’s equipment is priced within。Combination services are one of the important profit models for professional financial leasing companies。

（四）运营收益 1.资金筹措和运作.财务杠杆——融资租赁公司营运资金的来源可以使多渠道的，When own funds are in operation，You can get an income higher than the loan interest rate for the same period，If a project uses part of its own funds，Borrow some money from the bank，The leasing company has a financial leverage effect，Not only can self-owned funds obtain rental income slightly higher than that of loans in the same period,，The borrowing part can also obtain an interest spread income for coordinated use of funds - the rental rate of financial leasing is generally equal to or higher than the loan interest rate in the same period，But as a financial leasing company, as a platform for capital operation，In the actual operation of fund raising，It is completely possible to purchase external payments according to the company's purchase contract at different times.、The specific situation of the matching degree of cash flow between the return of rents under the financial lease contract and the external repayment of mature borrowings、Decide on new financing amount and term，Safely and reasonably obtain the difference between fund use and fund raising。

2.Product portfolio services。Financial leasing companies strengthen cooperation with other financial institutions，in financing、Accelerate asset turnover、Develop different product portfolios and product relays from the four aspects of diversifying business risks and profit models，You can also get good profits。 3.economies of scale。Scale operation is an important measure for financial leasing companies to improve shareholders’ investment returns.。

For example：A financial leasing company with a registered capital of US$10 million，After three years of operation，Obtained a US$90 million loan line from the bank，Formed a stable rental asset scale of US$100 million。The average financing cost is 6%，The average rental rate is 8.5%，Net income is 2%。

Then the annual self-owned funds can obtain 8% of the income, which is 800,000 US dollars.，Borrowed USD 90 million，You can get 2% interest spread income every year, which is 1.8 million，Total $2.6 million。Shareholder return is 26% per year。 Contact Hong Kong Xintong-

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