Financial leasing means that the lessor, based on the lessee’s specific requirements for the leased items and the selection of the supplier, invests in purchasing the leased items from the supplier and leases them to the lessee for use, and the lessee pays in installments Rent is paid to the lessor. During the lease period, the ownership of the leased object belongs to the lessor, and the lessee has the right to use the leased object.
Financial leasing is a cross-field and cross-department industry integrating finance, trade and services. Vigorously promoting the development of financial leasing will help transform the economic development model and promote the integrated development of the secondary and tertiary industries.
It plays an important role in accelerating commodity circulation, expanding domestic demand, promoting technological updates, alleviating corporate financing difficulties, and improving resource allocation efficiency. Actively developing the financial leasing industry is an inevitable choice for the development of my country's modern economy.
In the next five years, the role and status of financial leasing in my country's economic development will become increasingly important, and the financial leasing industry will play an increasingly important role in the Chinese economy. With the continuous development of China's economy and relying on the increasingly powerful Chinese real economy, the financial leasing industry will surely become the mainstream format in my country's service industry in the future.
Extended information
Modern financial leasing originated in the United States after World War II. After World War II, there was a surplus of industrial production in the United States. In order to promote the equipment they produced, manufacturers began to provide financial services to users, that is, selling their equipment through installment payment, consignment, credit, etc. Since ownership and use rights are transferred at the same time, the risk of capital recovery is relatively high.
So some people began to borrow the traditional leasing method, retaining the ownership of the sold object with the seller, and the buyer only enjoyed the right to use it. The ownership was not transferred to the seller until all the funds financed by the lessor were recovered in the form of rent. Transferred to the purchaser at a nominal price.
This method is called "financial leasing". In 1952, the United States established the world's first financial leasing company, the American Leasing Company (now renamed the American International Leasing Company), creating a modern leasing industry. First of all.
Baidu Encyclopedia-Financial Leasing