1, does not take up the bank credit line, the general enterprise comprehensive credit line is limited, how to reasonably allocate these credits is very important. Short-term liquidity loans are best used to address supplies, raw materials, labor, utilities and other rigid liquidity needs, if the use of liquidity loans for the procurement of large-scale equipment, resulting in a mismatch of funds, commonly known as the short-term loans and long investment, which is particularly critical in the new plant.
2, the general equipment revenue is 3 ~ 5 years later, more matching the length of the lease contract, the lessee is the process of borrowing chicken and eggs.
3, the lease period, monthly principal and interest payments, less pressure on the lessee, is conducive to the enterprise to do medium and long-term capital planning. Loans generally need to guide the loan once a year, resulting in point-in-time capital constraints. In extreme cases (such as economic downturn, industry tightening, etc.), the bank will unilaterally (at first fooled you to approve down) drawdown loans, resulting in a break in the capital chain, this situation is very dangerous.
4, the general loan bank needs you to open an account, put a deposit, buy financial management, have water, etc., in fact, these are the cost of the loan.
5, leasing companies are different from banking institutions, not on the credit (will not be bad and concern). Belonging to the third-party service organizations, with a certain amount of countervailing power, such as rent late a two-day payment, repayment reorganization, etc., there will not be too serious consequences.
6, leasing can regulate the use of funds, integrated cost (IRR) can not simply be regarded as the cost of the customer. If reasonable planning and arrangement of capital use, can effectively optimize the lease rate.
7, other advantages, such as credit process is faster (generally faster than bank loans), more flexible repayment (unequal or unequal repayment), etc..
8, the principal and interest of direct leasing are VAT invoiced, interest can save 17% cost.
In short, financial leasing as an important means of financing, must be stocked in the tool bank, to achieve the rational use. Economically developed places in the enterprise has gradually accepted the direct lease way to buy equipment, simple use of (liquid) loans to buy equipment behavior, I think it is to be considered.