touzilunwen（touzilunwen）.docVIP

touzilunwen（touzilunwen） Financial leasing is the direct purpose of financing, credit, it is on the surface of borrowing, but essentially by borrowing, and in the form of rent installments. Through the combination of financing and financing, investment and trade, modern leasing is not only an important means of equipment investment and product promotion, but also conducive to technological upgrading, product upgrading, introduction of foreign capital and expansion of exports. Financial leasing through the rent chickens, eggs, rent eggs, and earn a layer, the lessee does not immediately pay the full price of the necessary equipment and equipment, and can use the lease generated profits to pay rent. In the leasing industry, developed countries such as the United States, Britain and other western countries, the financial leasing industry grew by an average annual rate of 30%, becoming the second largest financing way after the bank credit. Compared to the financing of bank loans, financial leasing has the following advantages: 1. property relations are different from bank credit. In the bank credit, the bank loses the ownership of the capital and owns the creditors right; the financing lease still has the ownership of the leased asset and the lessee has only the right to use it at the time of the lease. Financial leasing avoids the phenomenon of misappropriation of funds through financing, and effectively prevents the transfer of funds in the process of capital formation, and has strong binding force. 2. requests for credit are different. Generally speaking, the bank provides a certain amount of its own funds for the borrower, and 30% of the loan is required according to the regulations, and the financing lease does not have such restrictions. 3., the way of capital recovery is different. Bank loans are generally one-time principal and interest payments, borrowing units often feel great pressure to repay. The financial leasing can not only pay rent in installments, but