With the development of financial leasing, the business models of financial leasing companies are gradually increasing, but the business models of financial leasing companies are mainly the following 12, of which the first five are basic models and the last seven are innovative models.

First, direct financing lease.

Direct financing lease means that the lessee chooses the leased property to buy, and the lessor rents the leased property to the lessee after evaluating the risk of the leased property. During the whole lease period, the lessee has no ownership, but enjoys the right to use, and is responsible for repairing and maintaining the leased items.

Suitable for purchasing fixed assets and large equipment; Technological transformation and equipment upgrading of enterprises.

Operation process of direct financing lease:

(1) The lessee selects suppliers and leased items;

(2) The lessee applies to the financial leasing company for financial leasing business;

(3) Financial leasing companies and lessees conduct technical and commercial negotiations with suppliers;

(4) The financial leasing company signs a financial leasing contract with the lessee;

(5) The financial leasing company signs a sales contract with the supplier to purchase the leased property;

(6) The financial leasing company pays the funds raised in the capital market to the suppliers as loans;

(7) The supplier delivers the lease item to the lessee.

(8) The lessee pays the rent on schedule;

(9) When the lease expires and the lessee performs the contract normally, the financial leasing company transfers the ownership of the leased property to the lessee.

Second, sale and leaseback.

Sale-and-leaseback is a leasing mode in which the lessee sells the self-made or purchased assets to the lessor and then rents them back from the lessor for use. During the lease period, the ownership of the leased asset is transferred, and the lessee only has the right to use the leased asset. Both parties may agree that the lease term expires and the lessee continues to lease or the lessee repurchases the leased assets at the agreed price. This way is conducive to the lessee to revitalize existing assets, and can quickly raise funds needed for enterprise development to meet market demand.

Suitable for enterprises with insufficient liquidity; New investment projects and enterprises with insufficient self-owned funds; Enterprises with rapidly increasing assets.

Operation process of sale and leaseback:

(1) The original equipment owner sold the equipment to the financial leasing company.

(2) The financial leasing company pays the payment to the original equipment owner.

(3) The original equipment owner, as the lessee, rents back the sold equipment from the financial leasing company.

(4) The lessee, that is, the owner of the original equipment, pays the rent to the lessor (financial leasing company) on a regular basis.

Third, leveraged leasing.

Leveraged leasing, similar to syndicated loans, is a kind of financial leasing with tax incentives, mainly led by a leasing company as a backbone company to finance a super-large leasing project.

1. Set up an operating organization separated from the leasing company-set up a fund management company for this project to provide more than 20% of the total project amount, and the rest of the funds mainly come from absorbing idle hot money from banks and society, and enjoy the benefits of low tax with 100%? Use two bo eight? Leverage to obtain huge funds for leasing projects. Other practices are basically the same as financial leasing, but the complexity of the contract increases because of its wide coverage.

Because it can enjoy preferential tax, standardized operation, good comprehensive benefit, safe rent recovery and low cost, it is generally used for financial leasing of aircraft, ships, communication equipment and large complete sets of equipment.

Fourth, entrusted leasing.

Entrusted lease means that the owner of funds or equipment entrusts a non-bank financial institution to engage in financial leasing, and the first lessor is also the principal and the second lessor is also the trustee. The lessor accepts the principal's funds or leases the subject matter, and handles the financial leasing business with the lessee designated by the principal according to the written entrustment of the principal. During the lease period, the ownership of the leased property belongs to the principal, and the lessor only charges the handling fee and does not bear the risk. A major feature of this entrusted lease is to allow enterprises without the right to operate to lease, okay? Leverage? Management.

Verb (short for verb) sublet

Refers to the financial leasing business with the same subject matter as the subject matter. In the sublease business, the lessee of the previous lease contract is also the lessor of the next lease contract, which is called sublease. The sublessor rents the leased property from other lessors and sublets it to a third person. The sublessor aims to collect the rent difference, and the ownership of the leased property belongs to the first lessor. Sublease involves at least four parties: equipment supplier, first lessor, second lessor (first lessee) and second lessee. Sublease involves at least three contracts: purchase contract, lease contract and transfer lease contract.

Six, structured * * * exclusive lease

Structured * * * Enjoy the lease means that the lessor purchases the lease item from the supplier according to the lessee's selection and designation of the supplier and the lease item, and provides it to the lessee for use, and the lessee pays the rent as agreed. Among them, the rent is calculated and agreed on the basis of the cash flow generated by the leased property itself after it is put into production, which is a leasing method in which the lessor and the lessee enjoy the benefits of the leased project. The rent is divided into purchase cost, related expenses (such as capital cost) and the expected income level of the project shared by the lessor.

Generally applicable to communication, ports, electric power, urban infrastructure projects, ocean-going ships and other projects. The contract amount is large, the term is long, and the income expectation is good.

Seven, risk leasing

The lessor leases the equipment to the lessee in the form of lease creditor's rights and investment, in order to obtain the rental and shareholder's equity income as the return on investment. In this kind of transaction, the rent is still the main return of the lessor, generally accounting for 50% of the total investment; Secondly, the equipment residual value income, generally not more than 25%, these two benefits are relatively safe and reliable. The rest shall purchase the common equity of the lessee at a set price within a certain period agreed by both parties. This commercial form has opened up new investment channels for high-tech and high-risk industries.

The lessor leases the equipment to the lessee and obtains the shareholders' rights and interests corresponding to the equipment cost. In fact, it is a new form of financial leasing with part of the lessee's shareholders' rights and interests as the lessor's rent. At the same time, the lessor, as a shareholder, can participate in the management decision of the lessee, which increases its influence on the lessee.

Risk leasing brings benefits that ordinary financial leasing cannot bring, thus satisfying the different preferences of both parties for risks and benefits.

(A) the advantages of the lessee

1, a better financing channel. The lessee of risk lease is a risk enterprise. Because of its short operating history and lack of funds, banks generally hesitate to lend, so there are fewer financing channels and the financing cost of general channels is higher. Venture leasing can be an important means of financing.

2. Transfer risks. That is, part of the risk of shareholders' equity has been transferred to the lessor, and even if the lessor's shareholders' equity can't get income, the lessor has no right to ask for other compensation. If mortgage loans are used, banks often require all the assets of the company as collateral. Once the company fails to repay the loan on time, its survival will be difficult to guarantee. The obligation to pay rent in risk leasing is only based on the leased equipment? Promise? The risks faced by the lessee are relatively small.