What are the financing channels for financial leasing companies?

To a large extent, China's financial leasing enterprises rely on the financial support of banks. The issuance of corporate bonds is an important means of direct financing for leasing enterprises. Listing and financing is a strategic measure for various financial leasing companies to enhance their strength and improve their direct financing capabilities.

As far as the financing channels of financial leasing companies are concerned, the most important ones in the current domestic situation are banks.

The ability of external financing and the background of the leasing company itself, the scale of assets and the business situation are also closely related.

The new financing channels depend on how to understand, such as the current national domestic guarantee foreign loans, foreign guarantee domestic loans and other overseas capital financing, or cooperation with trust companies and so on. At present, it will take time for the assetization to be fully promoted, which has a lot to do with the background of the leasing company and the asset situation.

And the new similar online platform, insurance and other financing is also a channel.

But in general, it is still dominated by banks.

The capital of the financial leasing company** is mainly the capital of the shareholders, and most of the daily working capital or project funds come from bank financing.

Increasing capital is the most direct way to expand capital**.

Entering the interbank lending market is an important way for leasing companies to solve their capital positions and cope with unforeseen needs.

To a large extent, China's financial leasing enterprises rely on the financial support of banks.

The issuance of corporate bonds is an important means of direct financing for leasing enterprises.

Listing and financing is a strategic measure for various financial leasing companies to enhance their strength and improve their direct financing capabilities.

Revitalizing their own assets through factoring is an important way for leasing enterprises to adjust their asset structure and solve the urgent need for funds.

There are nearly 10,000 financial leasing companies in the country, which are mainly divided into three categories.

The first category: financial leasing companies.

This kind of company is generally established by banks, such as CMB Leasing, CCB Leasing were established by China Merchants Bank and China Construction Bank, this kind of company is not more than 50 in the country, but recently it has been established one after another, and some of them are established by central enterprises and state-owned enterprises, which are available in various places, and this kind of company has a characteristic, that is, it generally has higher requirements for customers, a larger amount and a lower interest rate.

Such companies generally have the words "financial leasing", which is actually similar to banks.

The second category: domestic leasing (or fake foreign capital).

Such as Far East Horizon, Ping An Leasing, Sinopharm Leasing, etc., are generally established by local SASACs, and there are also many state-owned enterprises that are established in the form of equity in order to avoid supervision, but in fact they are state-owned enterprises. There are about 200+ such companies in China, with many types of business, on the one hand, they undertake first-class projects, and on the other hand, they also intervene in the financing of private small and medium-sized enterprises.

The third category: foreign-funded financial leasing.

From the name can not see the difference with domestic capital, this kind of company is also the most varied of business, do a variety of business, there are some pure intermediary companies or shell companies, about 20% of such companies are engaged in financial leasing business, most of the more outstanding are mature foreign-funded enterprises, such as Taixin Leasing, which only does direct leasing of new equipment, Chailly Leasing, which focuses on leaseback, and ORIX, which focuses on vehicle financial leasing.

I have been engaged in equipment financial leasing business for a long time, and I can send a private message to communicate with me if necessary.

How to classify financial leasing companies?

Financial leasing companies refer to non-bank financial institutions that are approved by the China Yinshouru Industry Supervision and Administration Commission to serve the financial, professional and industrial asset management institutions, mainly engaged in financial leasing business. A finance lease is a lease that substantially transfers all or substantially all or most of the risks and rewards associated with the ownership of an asset. The ownership of an asset can eventually be transferred or not.

1. How to register a financial leasing company.

1. Conditions: 1) The registered capital is not less than 10 million US dollars;

2) The total assets of the foreign-invested enterprise shall not be less than 5 million US dollars;

3) The operating term of a foreign-invested financial leasing company in the form of a limited liability company is generally not less than 30 years;

4) Senior management personnel should have corresponding professional qualifications and no less than three years of experience.

2. Process: The name is verified first, and then the investor submits the above materials to the provincial competent department of commerce where the enterprise is to be established, and if the provincial competent department of commerce approves the establishment, the "Certificate of Approval for Foreign-invested Enterprises" shall be issued, and if it is not approved, the reasons shall be explained in writing. The provincial-level competent department of commerce shall, within 7 working days after approving the establishment of a foreign-invested leasing company, submit the approval documents to the Ministry of Commerce for the record, and then go to the industrial and commercial tax bureau to apply for a license, which generally takes 2 months.

Second, how much does it cost to register a financial leasing company?

1. The total assets of the foreign investor shall not be less than US$5 million.

2. A foreign-invested leasing company shall meet the following conditions:

1) The registered capital complies with the relevant provisions of the Company Law.

2) Comply with the relevant provisions on the registered capital and total investment of foreign-invested enterprises.

3) The operating period of a foreign-invested leasing company in the form of a limited liability company shall generally not exceed 30 years.

3. A foreign-invested financial leasing company shall meet the following requirements:

1) The registered capital shall not be less than 30 million US dollars or 100 million yuan (paid-in).

2) The operating term of a foreign-invested financial leasing company in the form of a limited liability company shall generally not exceed 30 years.

3) Have the corresponding professionals, senior managers should have the corresponding professional qualifications and not less than three years of experience.

4. The minimum amount of the company's registered capital is RMB 30 million, of which the shares purchased and held by foreign shareholders shall not be less than 25 of the company's registered capital.