Compared with direct loans, financial leasing mainly charges more service fees and nominal goods prices. The service fee is the rental amount multiplied by the service rate, and the nominal price is the rental amount multiplied by the nominal price rate. The service fee will be charged at the beginning of the project, and it will be charged per year 1~3.5%. In fact, the average annual rate is only about 1%.

The nominal price is charged only once at the end of the project, and generally only accounts for 0.5~ 1% of the lease amount. And if the customer can repay the loan on time, the leasing company can also change the nominal price to one yuan.

2. The quantity and duration are different.

Due to the influence of national macro-control and the central bank's credit policy, the loan amount is limited. The amount of financing lease is mainly determined by the borrower's qualification and the corresponding value of fixed assets. For bank loans, the amount range is large. The term of bank loan is mainly within one year, and the term of financial lease is longer.

3. Different procedures and thresholds

Direct loans mainly take the form of one-time loans and one-time repayment, which will face greater financial pressure when repaying loans. Financial leasing can be arranged reasonably according to the seasonal changes of the borrower's funds and sales. There are many procedures for bank loan approval, and the approval time is also very long, and the procedures are more complicated. The credit review of financial leasing is relatively simple, because it is financing integration, which can greatly save processing time.