Port communicationIntroduction：Settled in Qianhai，For businesses，This means that cross-border loans can be、finance lease、Commercial factoring and other means，with lower cost of capital、Obtain overseas financing with higher leverage，The cost savings may be greater than the tax benefits based on net profit calculations，The key is to provide a valuable blood transfusion channel for business operations.，Conducive to business innovation and sustainable operations of enterprises。
Take cross-border lending as an example，As of the end of last year，跨境贷的短期贷款利率最低为3.15%，最高为5.00%；中长期贷款利率最低为4.00%，最高为6.00%。Compared with bank loan interest rates during the same period，The capital cost of cross-border loans is generally 1 to 2 percentage points lower，If compared with the domestic social lending interest rate，The cost savings are even greater。
He Longde, Director of the Strategic Development Department of Qianhai Administration Bureau said，香港是全球最大的人民币离岸中心，人民币最大的资金池也是在香港。Hong Kong’s RMB flows back to the Mainland，Qianhai has a unique location
Advantages
，是目前国内开展跨境贷最便利、也是最成功的区域。also，Enterprises can also use financial leasing、Low cost through commercial factoring and other forms、Highly leveraged financing services。
in，For financial leasing，According to relevant national regulations，The risk assets of a foreign-invested financial leasing company shall generally not exceed 10 times the total net assets.，It means that companies can obtain leased assets with 10 times leverage；For financial leasing，According to Article 35, Article 1 of Chapter 5 of the "Administrative Measures for Financial Leasing Companies"，capital adequacy ratio
Require
The net capital of a financial leasing company shall not be less than 8% of risk-weighted assets.。
In other words，Equivalent to a company that can obtain a rental asset worth 100 yuan with a principal of 8 yuan.，放大的杠杆相当于12.5倍。如何在前海设立跨境融资租赁公司，从境外借到人民币，是我们非常关心的问题。first，我们来了解一下前海跨境人民币贷款。1、前海跨境人民币贷款是什么？
Registered and established in Qianhai and actually operated in Qianhai、投资的企业从香港经营人民币业务的银行借入人民币资金。2、前海跨境人民币贷款的用途有哪些？符合国家有关政策的前提下，用于前海的建设与发展。应符合前海产业发展目录
Require
，优先支持用于进口机其他对外支付的贷款需求。
重点是“四个不得”：不得用于投资有价证券和金融衍生品，不得用于委托贷款，不得用于购买理财产品，不得用于购买非自用房产。3、贷款期限和贷款利率是怎样的？贷款期限由借贷双方按照贷款实际用途在合理范围内自主确定，贷款利率由借贷双方自主确定，在贷款发放前向人行备案。4、Cross-border loan
Application process
What is it like?
（1）境内结算银行为借款企业开立一般存款账户，用于存放前海跨境人民币贷款资金。该账户不得办理现金收付业务，存款利率按照活期利率。（2）贷款资金入账前，借款企业应先结算银行提交贷款合同、资金使用说明书及人行备案表。
（3）贷款资金使用前，借款企业应向境内结算银行提交相关资金用途证明材料（采购合同或发票）。（4）境内金融机构和企业可根据相关规定，以保证、抵押或者质押等形式，为前海跨境人民币贷款提供担保。（5）借款企业及其境内结算银行按规定对跨境人民币贷款进行国际收支申报。
5、与上海跨境贷相比，前海跨境贷的
Advantages
有哪些？（1）上海跨境贷上限不得超过实缴资本*1.5倍*宏观审慎政策参数；前海跨境贷无额度限制。（2）上海跨境贷只能用于区内或境外，包括区内生产经营、区内或境外项目建设；前海跨境贷是真正的跨境人民币贷款，贷款资金进入境内使用，办理国际收支申报。
（3）上海跨境贷的贷款期限一年以上（不含一年），前海跨境贷的贷款期限自定。Then，咱们再看看，办理跨境融资租赁贷款有哪些必须知道的常识。1、融资租赁贷市场准入有什么条件？
设立租赁项目子公司并开展融资租赁业务（含融资性租赁和经营性租赁），And go through the registration procedures with the Market Supervision and Administration Bureau according to the general company establishment procedures.，No minimum registered capital limit。2、怎么办理跨境融资租赁贷款？能够提供完备的交易材料，On the premise of proving that the business has an authentic background，through claims、Introducing cross-border foreign currency funds through equity and other means。Cross-border RMB loans can be renewed。
3、Are there any preferential customs policies? Enjoy the bonded port policy、joint guarantee、preferential tax rate、Tax installments and tax guarantees、Dedicated docking area。4、Foreign-invested financial leasing company，How can I apply for a cross-border financial leasing loan?
由前海的结算银行通过“境外借款+境内租赁”的组合模式将境外资金通过境内租赁项目的形式引入国内，That is, foreign-invested leasing companies take advantage of their betting differences
Advantages
Obtain lower-cost funds overseas than at home，Carrying out leasing projects within the country，Enable domestic enterprises to enjoy low-cost overseas financing。5、What are the models of financial lease loans?
The settlement bank takes ICBC as an example，There are the following four modes：A mode：关联企业担保方式——股东直开担保函模式A企业为境内北京工行某大型股份企业，ICBC Beijing has sufficient quota，北京A企业在前海成立了融资租赁公司A1。
Company A applies for issuance of a letter of guarantee at ICBC Beijing，The beneficiary of the letter of guarantee is ICBC (Asia)，工银亚洲办理前海跨境人民币贷款，借款人为前海融资租赁公司A1，And used for financial leasing projects of A1 enterprises。B mode：关联企业担保方式——租赁公司直开保函模式B1企业为前海注册的融资租赁公司，Its shareholder is a relatively powerful company B at home and abroad，Can provide effective guarantee for B1 company。
Based on this guarantee，前海工行为B1企业核定授信额度。Company B1 issues a letter of guarantee to ICBC (Asia) within the quota.。工银亚洲办理前海跨境人民币贷款，借款人为前海融资租赁公司B1，And used for financial leasing projects of B1 companies。
C mode：Guarantee method for affiliated enterprises - back-to-back letter of guarantee mode Enterprise C is a large domestic joint-stock enterprise，The quota at ICBC has been used up，But other banks have sufficient quota，C企业在前海成立了融资租赁公司C1。
Company C applies for issuance of a bank performance guarantee from another bank to Qianhai ICBC，Qianhai ICBC issued a letter of guarantee to the overseas bank accordingly.，Overseas banks handle cross-border RMB loans in Qianhai，借款人为前海融资租赁公司C1，And used for financial leasing projects of C1 enterprises。
D mode：承租人担保模式承租人为前海融资租赁公司提供担保，ICBC Qianhai Branch applied for cross-border RMB loans from overseas banks accordingly.，Hong Kong banks grant loans，用于前海租赁公司的租赁项目，Qianhai Engineering Bank is the loan management bank and clearing bank。6、Which departments are responsible for approving different forms of financial leases?
Financial leasing is approved by the China Banking Regulatory Commission，Foreign-invested financial leases are approved by the Ministry of Commerce，Financial leasing for domestic investment pilot projects is jointly approved by the Ministry of Commerce and the State Land Administration。如有融资问题请咨询深圳港信通-。
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