The financial leasing trust program gathers the business advantages of two types of non-banking financial enterprises. Specifically, the trust industry has a wide range of sources of funds, in the collection of funds on the channel has certain professional advantages, financial leasing trust plan for the trust company is more than one kind of financing subject, but also more than one kind of profit model. The financial leasing company has strong professionalism and expertise in the management and disposal of leased assets. For the trust company, the financial leasing business is safer than ordinary equity or debt investment because it owns the leased equipment and recovers the investment through rent.
The transaction of financial leasing trust plan can be divided into two parts: one is the formation of trust assets, i.e., the part of financial leasing transaction, including the three-party transaction process of financial leasing;
The second part is the establishment of the trust plan, including the issuance of the trust plan, supervision and distribution of proceeds and other processes. Specific processes are described in the following:
① investors in commercial banks to open a special account, through the bank to buy a financial leasing trust plan, to become the owner of the trust assets;
② commercial banks will be the trust funds transferred to the trust company's trust account in the bank, and its supervision;
③ trust company as a lessor (in the case of non-over-the-counter leasing) and the lessee The trust company as lessor (in the case of non-overhand leasing) and the lessee and the guarantor sign the Financial Leasing Contract;
④According to the lessee's requirements, the trust company purchases the leased goods from the designated equipment supplier;
⑤The equipment supplier ships the leased goods to the location of the lessee, and then ensures that the leased goods can be operated normally after installation, debugging, operation training and other links. Warranty, maintenance and other after-sales service, as well as possible repurchase is a long-term equipment suppliers should fulfill the responsibility;
6 lessee according to the "financial leasing contract" agreed to pay the rent in full on a regular basis. Lease period is usually 1 ~ 3 years, the longest generally does not exceed 5 years; regardless of the actual use of the leased property benefits, the lessee must fulfill the obligation to pay rent according to the contract;
⑦ trust company will receive the rent in the special account (usually 1 ~ 3 months to collect), every year to the investors to allocate the net income of the trust (refers to the recovery of the rent after deduction of the balance of various costs);
⑧ bank will trust the special account (usually 1 ~ 3 months to collect), every year to the investors to allocate the trust net income (refers to the recovery of the rent after deduction of various fees);
⑧ bank will be the trust account of the income distribution through the transfer of the way to the investor account;
9 trust company as lessor will be leased to the lessee at a nominal price to transfer to the lessee, to complete a lease transaction;