NextElectricity sales in the financial leasing industry

When it comes to the electricity sales industry, everyone may still feel a little unfamiliar Friends in the financial circle know that the original financial leasing commercial factoring When we first came out of this industry, we were also waiting and watching and not trying Later, it goes without saying that the earlier the person registers, the greater the profit Maybe you missed it, but now it will rise again = an industry Electricity sales company With the intensification of environmental pollution and the call for national energy conservation, a development direction that can be determined is that electricity will be the mainstream in the future, and this time I miss it again, and I don't know when I want it next time If you are tempted, you can find me to register and publicize the capital verification personnel to be attached to the one-stop service.

In recent years, as China's economy has entered a shift period, the economic growth momentum has shifted from traditional industries to emerging industries, which has promoted the upgrading of the manufacturing industry. As a new financial industry integrating financing and financing, first-class transactions and technology upgrading, financial leasing has risen against the trend and maintained a high growth rate in the opportunities and challenges brought about by China's transformation of economic development model and adjustment of industrial structure.

Since 2008, with the changes in industry regulatory policies and the increase of policy support, China's financial leasing industry has gradually matured and begun to move towards a standardized, healthy and rapid development track. According to the data of the "Financial Leasing Industry Market Prospect and Investment Analysis Report" released by the Prospective Industry Research Institute, the total number of financial leasing companies in China has increased nearly 8 times since 2013, reaching 8,218.

From the perspective of the development trend of the domestic financial leasing industry, it reflects a strong pro-cyclical attribute. In the past stage of rapid macroeconomic growth, the scale of China's financial leasing business has also increased rapidly, from 24 billion yuan in 2007 to one trillion yuan in 2017.

Despite this, there is still a big gap between the current development of China's leasing market and developed countries. In developed countries such as Europe and the United States, the market penetration rate of the financial leasing industry is about 15%-30%, compared with the international advanced leasing market, China's financial leasing industry still has a lot of room for development.

Some time ago, I dealt with many financial leasing companies, and I had a general understanding of the situation inside, so I would like to briefly talk about what I know

Development status: 1. Fast development: almost every few days, a new financial leasing company is registered, and the overall scale has grown explosively, and it can be said that the overall industry is very hot. As the landlord said, there are more than 660 registered ones, and 22 financial leasing companies (Bangyin Financial Leasing just reported the materials to the China Banking Regulatory Commission a few days ago, and it will open in a few months.)

Various companies are constantly increasing their capital, and Cinda Financial Leasing has increased almost once a year. All financial leasing companies are competing for this huge market, and the task of the account manager is to rush to scale.

2. High per capita profits: financial leasing companies have almost become the industry with the highest per capita profits, and financial leasing companies generally create six or seven million profits per capita.

3. Lack of supervision: domestic capital is approved by the State Administration for Industry and Commerce, foreign capital is approved by the Ministry of Commerce, and financial leasing is approved by the China Banking Regulatory Commission. Too many regulatory authorities have resulted in a lack of effective supervision of the financing industry as a whole.

In the past two days, the State Administration of Taxation has also come out to make trouble, wanting to divide a little tax from this high-profit industry, and the principal part of the leaseback business will also be subject to VAT. Multiple regulation has led to confusion in the rental industry.

4. The industry is a little chaotic: everyone has seen the rapid development of this industry, and those who have money want to come to get a piece of the pie, and those who don't understand it have come to join in the fun. Those engaged in demolition and relocation, big bosses of private enterprises, and coal diggers all came to engage in financial leasing companies, and they saw this industry as a good opportunity for private capital to enter the financial industry.

Future: 1. The threshold for foreign-funded financial leasing companies will be raised: many foreign-funded financial leasing companies take advantage of policy loopholes and their overseas shareholders are shell companies, which violates the original intention of the Ministry of Commerce to introduce foreign capital, and this phenomenon will be constrained in the future.

2. The popularity of the industry will weaken, and the industry will be reshuffled. The rapid development of the state's indulgence in the financial leasing industry is actually to support the development of the real economy. However, many companies use the guise of leasing to do channels, financing platforms and even real estate, which violates the above meaning.

In the future, there will be regulatory restrictions on businesses that do not support the real economy, and some speculative leasing companies will be affected as a result.

3. Do a good job of professional development, but do a lot of miscellaneous: I personally still think that although it is a financial lease, the risk of the project is basically equivalent to the lessee's own credit credit, and the risk control ability of the financial leasing company is very high. If you choose to do a specific direction and have a better understanding of the industry, the level of risk control will be higher and more competitive.

The financial leasing industry has developed rapidly, and its asset scale has exceeded 4 trillion yuan, becoming an important force serving the real economy. Among them, the interbank business is becoming a "new blue ocean" for the growth of leasing companies, and it will become a trillion-yuan financial market in the future.

Very good, at present, my financial leasing service is the best development in the construction machinery industry, and several large construction machinery companies are developing rapidly, business growth is very fast, financial leasing as the most suitable sales tool, is widely used.

And Liang Wengen, the richest man in China, is not the boss of Sany Heavy Industry.

If you want to enter the financial leasing industry, you can enter the industry from construction machinery, the business is enough for you to do, after understanding the entire operation process, you can change the industry at any time, the essence of financial leasing is not much different, that is, the difference between the leased object and the market.

Since the opening of the financial leasing business in 2007, the financial leasing enterprises represented by banks have expanded rapidly, and the financial leasing industry has been making great progress. "Eleventh Five-Year"During this period, China's financial leasing industry has been growing geometrically, with the total business volume increasing from about 8 billion yuan in 2006 to about 700 billion yuan in 2010, an increase of 86 times. In 2011, due to changes in the economic development environment at home and abroad, coupled with the policy of scale control adopted by relevant state departments for the business development of financial leasing enterprises, the growth rate slowed down.

By the end of the year, the balance of financial leasing contracts nationwide was about 930 billion yuan, an increase of about 230 billion yuan from 700 billion yuan at the beginning of the year, and the growth rate was reduced to the industry entering an era of rational algebraic growth. In 2012, the balance of financial leasing contracts in the country reached 1.55 trillion yuan.

According to the "2014-2018 China Financial Leasing Industry Market Prospect and Investment Strategic Planning Analysis Report" of the Prospective Industry Research Institute, the current yield of China's financial leasing industry can be divided into three grades, with the lower rate generally being 8%-9%, mainly banking financial leasing companies, who often only make a single high-quality large order of more than 100 million yuan; 10%-13% for the mid-range; The higher ones are 15%-17% (generally small businesses, small equipment).

It can be seen that the profits of the financial leasing company are less than 17%, in this case, pay the full amount of 17% tax first, so that the financial leasing company not only can not see the income, but also part of the principal must be taxed in advance, which is very easy to cause the interruption of the cash flow of the financial leasing enterprise. Positive to have zero month-on-month growth"Replacing business tax with value-added tax"The clearest response.

The stagnation of financial leasing for the first time shows that the development of the industry is still in the early stage of growth, and it needs continuous support from policies, and rational growth cannot cover up the immaturity of the industry. However, the company will not let it continue, and the current voice of the industry has attracted great attention from the Ministry of Finance. On September 13, the Ministry of Finance's "Consultation Draft on the Revision of the Policy of Replacing Business Tax with Business Tax for Financial Leasing" ("Consultation Draft") has been issued to a number of financial leasing companies, and the industry's fiscal and tax policies are expected to return"Replacing business tax with value-added tax"Before.

In any case, the financial leasing industry will continue to develop, and the industry prospects are very good.

This account manager is equivalent to sales, you have to go out to find your own target customers, promote your products and services, the basic salary is generally not high, about 2000, counting other benefits and subsidies, it will not exceed 3000, mainly relying on commissions, the more customers you pull, the higher your income, daily work is to constantly find customers, some companies have performance requirements, if their sales ability is strong, strong ability to resist pressure, you can try it.

In fact, financial leasing should belong to the financial industry, and enterprises with financial leasing qualifications can also engage in operating leases, so they should be divided into a separate category of operating leases. The relevant entities of leasing are mainly banks (funds**).

Supplier (subject matter**).

If the final customer (lessee development) must say upstream, then it is capital **, that is, bank, or third-party investment.

If it is a pure financial leasing business, there is no downstream industrial chain if the subject matter is transferred at the end of the period. However, if it is an operating leasing business, the downstream industrial chain is mainly a second-hand equipment manufacturer, and if it is a manufacturer leasing business, that is, the manufacturer directly or indirectly carries out the leasing business through a third-party leasing company, then his industrial chain is the same as that of ordinary manufacturers.

Financial leasing: the most common and basic form of non-bank finance.

In terms of recent market development, vehicle leasing has opened a door to the financial leasing industry, which is in a stage of vigorous development, and in the future, if financial leasing wants to continue to maintain a momentum of rapid development, it is necessary to adapt to the rapid growth of the economy, and it is necessary to adjust from the following points:

First, the direction of business developmentThe first is to realize the transformation from focusing on speed to focusing on quality.

The second is to realize the transformation from profit first to risk control first.

The third is to realize the transformation from the pursuit of short-term profits to the sustainable development model.

Second, business development ideasThe first is the upgrading of the concept of market expansion.

The second is the upgrading of market expansion technology.

The third is the upgrading of the market expansion model.

3. Business development focusThe first is to increase the proportion of state-owned enterprises.

The second is to improve the mortgage protection of small and medium-sized enterprises.

The third is to increase the proportion of personal business.

Fourth, increase the proportion of informatization and intelligent technology contributing to business development.

Fifth, increase the proportion of active marketing business.

Sixth, improve employees' business development capabilities and risk control capabilities.

In fact, the recent development of the industry can also be seen from the sales data of financial leasing software providers, such as Beijing Hurong Cloud Software Co., Ltd. has real-time contract data analysis, it is not difficult to see that the financial leasing industry has been in a state of rapid development.

Financial leasing models can be divided into: direct leasing, ownership transfer leasing (leaseback), operating leasing, entrusted leasing, manufacturer leasing, etc. This may not be the most comprehensive classification, but there are only a few main classifications on the market at present.

With the development of China's economy, in order to work capital and revitalize the market, many businesses will choose financial leasing instead of direct purchase.

At present, the development prospects of China's financial leasing industry are still very broad, after all, the population base and market are here. This must not refer to the financial leasing system. If you want to start a financial leasing business, it is too difficult to simply rely on manual bookkeeping.

At present, China's informatization has developed rapidly, and the financial leasing industry has not only saved costs through the programmatic and information-based operation of the mutual cloud financial leasing system, but also reduced the error rate and the possibility of bad debts.

In general, the development prospects of China's financial leasing industry are very broad. The most important thing to carry out financial leasing business in the local area is to adapt measures to local conditions.

According to the "China Financial Leasing Industry Market Prospect and Investment Strategic Planning Analysis Report", in the past 2016, the number of enterprises operating financial leasing business has exceeded 7,000, the industry contract balance exceeded 5 trillion yuan, and the industry growth rate exceeded 20% year-on-year. The leasing industry is hot, and it has achieved contrarian growth in the context of the national economic downturn. Nowadays, financial leasing has become a bright spot under the new normal of the economy, and it is also an important way for investors to participate in the construction of the national economy.

For the financial leasing industry, there are still bright spots in the current market. In industries closely related to people's livelihood and with high technology content, such as the medical leasing market, there is still a strong market demand, and the credit risk in these areas is also low, which is more suitable for financial leasing companies to develop business.

Three years ago, you asked this question, and I can tell you with certainty that it's very easy to do, it's like picking up money. It's hard to say now, the competition is so big, and the economic situation is not very good, it depends on your own accumulation. As long as you can accumulate patience in business work, you can do it well slowly.