The differences between financial leasing and financial leasing are as follows:
1, the concept is different
Financial leasing is the most common and basic form of non-banking finance in the international arena. It refers to the lessor according to the lessee's (user) request, and the third party (supplier) to enter into a supply contract, according to this contract, the lessor to finance the purchase of equipment selected by the lessee. At the same time, the lessor enters into a lease contract with the lessee, leasing the equipment to the lessee and charging the lessee a certain amount of rent.
Financial leasing means that the lessor, at the request of the lessee, purchases the fixed assets designated by the lessee from the seller designated by the lessee according to the prior contractual agreement between the two parties and, on the premise that the lessor owns the ownership of the fixed assets, transfers the right to possess, use and earn income from the fixed assets to the lessee for a period of time under the condition of the lessee's payment of all the rents.
2, the lease subject is different
Financial leasing is the background of the bank capital, the industry to carry out the financial leasing company needs to be licensed by the CBRC, the industry said that these companies for the financial leasing company. Financial leasing is non-bank background, financial leasing company license is issued jointly by the Ministry of Commerce and the State Administration of Taxation. Business content are financial leasing.
3, different scope of application
Financial leasing is more suitable for small and medium-sized enterprise financing. As financial leasing has a combination of financing and financing features, the leasing company can recover and deal with the leased goods when problems arise, and thus the requirements for enterprise credit and guarantee are not high when dealing with financing, so it is very suitable for small and medium-sized enterprise financing.
Financial leasing is a form of credit that replaces financing with financing and closely links financing with financing, so financial leasing is mostly applicable to the leasing of large sets of equipment.
Expanded Information:
Financial leasing is a kind of credit form, which replaces financing with financing and connects financing with financing. p>Features of financial leasing
1, the lease is decided by the lessee, the lessor to fund the purchase and lease to the lessee to use, and in the lease period can only be leased to a business use.
2, the lessee is responsible for the inspection and acceptance of the leased goods provided by the manufacturer, the quality of the leased goods and technical conditions of the lessor does not guarantee the lessee.
3. The lessor retains the ownership of the leased property, the lessee pays the rent during the lease period and enjoys the right of use, and is responsible for the management, repair and maintenance of the leased property during the lease period.
4, once the lease contract is signed, during the lease, no party has the right to unilaterally withdraw from the contract. Only the destruction of the leased property or proved to have lost the value of the use of the case can suspend the contract, without reason to break the contract will have to pay a heavy penalty.
Fifth, after the end of the lease, the lessee generally have two options for the leased property to stay purchase and surrender, if you want to stay purchase, the purchase price can be negotiated by the two parties to determine the lease.
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