Informatization construction of financial leasing enterprises

The bottleneck of the development of the financial leasing industry.

At present, China's financial leasing industry is faced with a low degree of marketization, imperfect product functions, narrow adaptation, poor information, poor market awareness, low profit level, etc., and there are macro supporting conditions, market norms, transaction information, financing and lack of professional personnel and other problems, the most important thing is the single means of operating risk control and imperfect measures, so that the industry generally has insufficient confidence in financial leasing.

The financial leasing industry should change these undesirable status quo and reduce investment risks. First of all, we should strengthen the construction of market environment norms and supporting conditions at the macro level, so that the financial leasing industry can develop healthily and sustainably, establish the confidence of investors, and expand financing channels. Secondly, financial leasing enterprises should master the correct business philosophy, improve risk management capabilities, reduce and control project risks, which is the key to success, only in this way can improve the profitability and market competitiveness of enterprises; This is the most urgent need to improve the system in the financial leasing industry.

Finally, financial leasing enterprises must master the management means to implement enterprise development, and ensure operational capabilities and efficient execution through information tools.

Financial leasing, also known as financial leasing, is the basic form of typical equipment leasing.

It means that when an enterprise needs to purchase equipment, it does not directly apply for a loan from a financial institution to purchase, but entrusts a leasing company to purchase the required equipment according to the requirements and choices of the enterprise; Then the enterprise leases equipment from the leasing company in the form of leasing to use, so that the enterprise can achieve the purpose of financing funds. A financing lease or capital lease is essentially equivalent to the lessor providing financing facilities, and the lessee purchases the leased property in installments.

Financial leasing generally includes direct financial leasing, joint financial leasing, sub-leasing, sale-leaseback and leveraged financial leasing.

Financial leasing is a form of loan capital movement in the form of commodity funds, and it is a credit method integrating financing and financing, and has the dual characteristics of commodity credit and capital credit. In this process, the lessor provides credit facilities to the lessee in the form of leasing equipment commodities; The lessee directly borrows the equipment and obtains the right to use the equipment and the goods, which is actually a financial credit and creates new value in the process of production and operation. This kind of financial leasing not only shows the best form of equipment financing, but also reflects the credit method of financial integration.

1) It solves the problem of shortage of funds for the lessee and promotes the upgrading of its equipment and the development of the enterprise.

2) It provides investors with a new investment channel. Financial leases generally have a stable cash (rent) repatriation, so the risk is relatively small. The independence of the trust property is a feature of the system that ensures the safety of investors' funds.

3) It has opened up a promising business type for trust and investment companies. Only the general business process of sublease is described, and the business process of other types of financial lease fund trust is similar to this. The trust legal network reminds that the general business process of subleasing financial lease fund trust includes:

1) The trust company signs a purchase contract with the supplier, the trust company signs a financial lease contract with leasing company A, and the leasing company A signs a sublease contract with leasing company B;

2) The trust company issues a financial leasing fund trust plan to raise funds from investors;

3) The supplier submits the leased property to leasing company A (the first lessee);

4) Leasing company A (the second lessor) subleases the leased property to the leasing company B (the second lessee);

5) Leasing company B pays rent to leasing company A;

6) Leasing company A pays the rent paid by leasing company B to the trust company in the form of rent after deducting certain expenses;

7) The trust company pays the principal and income to the investor after deducting certain management and other related expenses from the rent paid by leasing company A.