Financial lease is an important financial instrument, which means that the lessor leases the leased property obtained from the supplier according to the contract based on the lessee's selection or recognition of the leased property and the supplier. Transaction activities that allow the lessee to occupy and use the property and collect rent from the lessee. It is very different from credit financing. The main differences are:

The terms are different. Bank credit business is mostly based on working capital loans with a term of less than one year, and there are also medium and long-term loans; the lease term of financial lease is usually determined based on the lease term of the leased object, and equipment lease is generally 3 to 5 years;

Repayment method. Bank working capital loans are generally a one-time repayment of principal and interest after maturity. Medium and long-term loans are basically repaid according to half-year or annual terms, and each repayment amount accounts for a large proportion of the total loan amount. The repayment method of financial leasing is relatively flexible and can be adjusted according to the enterprise's requirements. The installment repayment method can be customized according to the cash flow situation, and can be monthly, quarterly or yearly. Relatively speaking, the repayment pressure is relatively small;

Guarantee method. Bank credit usually requires mortgages, pledges or third-party guarantees, making it difficult for small and medium-sized enterprises to increase credit; financial leasing has more flexible credit enhancement methods, and high-quality leased properties can further enhance credit. Financial leasing headhunting companies claim that the role and status of financial leasing in the future development of our country's economy will become increasingly important.