1, the difference between contract subjects A financial leasing contract must be signed by three parties, namely, a purchase contract and a lease contract. On the one hand, the lessor signs a supply contract with the supplier, on the other hand, it signs a lease contract with the lessee, but the subject matter of the two contracts is the same;
2. The difference between the objects of legal relationship. Judging from the subject matter, the subject matter of a loan contract is capital, which is a contract to borrow money and repay money, while the subject matter of a financial lease contract is lease, which is a contract that combines borrowing with borrowing and melts things instead of financing. In the financial lease contract, there must be "things", namely equipment and transportation. Judging from the behavior of realizing the contract, the performance of the loan contract is realized by the lender transferring the management right of funds to the borrower;
3. Rent is different from interest calculation. In the loan contract, the borrower must pay interest in addition to returning the loan principal to the lender as agreed in the contract. The calculation of interest must conform to the interest rate range of bank loans stipulated by the state, otherwise the excess part will be invalid, and the principal will be paid off in one lump sum when the contract expires. In the financial lease contract, the lessee pays the lessor the rent, and the arrangement of the rent is far more complicated than the simple repayment of principal and interest. Its calculation includes the recovery of total costs such as equipment price, financing interest and bank charges, the operating expenses of the lessor such as handling fees and insurance premiums, and the profits that can be obtained.
Legal basis: Article 490 of the Civil Code of People's Republic of China (PRC). If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it. A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.