The first type is "the independent management type of the charterer".

The "Baoist" trust company raises funds through the issuance of collective fund trust plans, then uses the raised funds to purchase leased properties, then rents out the leased properties, and cashes in investors' interests by collecting rents.

The second type is the "worry-free renter type".

Trust companies actively cooperate with commercial banks, and commercial banks issue financial products. The banks entrust the raised funds to the trust company to set up a single trust plan for financial leasing, and purchase them in the form of financial leasing. Equipment is leased to the lessee for use and the rent is charged.

The third type is the "tycoon lending type".

There are two types of local tyrants lending money. Simple financial leasing model and lease asset income rights transfer model. The simple financial leasing model means that the wealthy trust company raises funds by issuing collective fund trusts, and then the wealthy people lend the money to the leasing company, and the leasing company uses the money to buy the leased property, use it by the lessee and collect rent.

In the lease asset income right transfer model, the leasing company packages the future rental income of one or more leased projects together to form a lease asset income right, and then transfers it, and the trust company transfers the income right. Project, issue a collective trust plan for the transfer of the income rights of leased assets, and use trust funds to "buy" the income rights of the leased assets. After the trust period expires, the leasing company repurchases the income rights at a premium.

The fourth type is a combination of the above two.

Cooperate with banks, trusts and financing companies. The operating model is similar to the third one, except that the entire transaction process is led by the bank. The sources of funds are projects issued by commercial banks. The banks entrust the funds to trust companies to set up a single fund trust plan, which is used to issue loans to leasing companies or transfer the income rights of leased assets. Among them, leasing companies are mostly designated by banks.

The fifth type is the lease asset securitization model.

The financial leasing company sells the assets to the trust, and the trust company serves as the trustee and issues income securities to investment institutions in the form of asset-backed securities. Finally, the cash generated by the property is used Payment asset-backed securities

Although the combination of trust and financial leasing can bring many benefits, it also faces risks from the following aspects. The first is credit risk, which is the risk caused by the lessee's failure to fulfill its obligation to pay rent on time. The reasons include not only the lessee's poor management causing corporate difficulties, but also the lessee's default or malicious default. The second is market risk, that is, reduced market demand, resulting in a deterioration of corporate profitability. The third is contract risk, that is, when formulating relevant financial lease, purchase, guarantee and other contracts, the terms are not rigorous enough and there are textual flaws.

In addition, another important point is that under special circumstances, the value of the leased property is reduced or the integrity is damaged. Therefore, many similar projects will require the lessee to insure the leased equipment or provide it to a trust company. Insured, but the insurance premium is borne by the lessee. A person from the business department of a trust company in Beijing said that although there is a large space for the business, whether it can be truly promoted in batches remains to be considered. The core problem lies in the "cost of capital". In this type of business, the income space of trust funds is limited.

Although there are certain risks in trust financial leasing, because the main business of a financial leasing company is dominated by funds from beginning to end, from the raising of funds to the use of funds to the recovery of rent, its characteristics throughout the entire process determine Funding is the decisive factor and necessary condition for the survival and development of a financial leasing company, and the ability to raise funds and the level of fund management are directly related to the company's development destiny.

In other words, if leasing companies want to become bigger and stronger, they must broaden the source channels of funds, innovate financing methods, and improve the level of capital utilization. Therefore, strengthening cooperation between financial leasing companies and trust companies can effectively broaden the financing channels of financial leasing companies, promote private capital to enter the real economy, better promote the integration of industry and finance, and improve the efficiency of financial operations, so it has broad development prospects.