1. The ownership of vehicles is different. Directly lease the financial leasing company to buy vehicles, and the vehicles are hung under the name of the financial leasing company; The leaseback customer is the buyer, who mortgages the car to the financial leasing company and obtains funds;
2. Different ways. The direct lease financing leasing company rents the vehicle to the consumer, and the ownership is transferred to the lessee after the lease term ends; The leaseback finance leasing company rents the car to customers and collects the rent. The customer reserves the right to use the vehicle;
3. The threshold is different. The direct rent threshold is low, and the requirements for credit and qualification are low. Many consumers who are rejected by banks and other financial institutions can successfully cope with it through rent and purchase. The threshold of leaseback is high, which requires high credit and qualification. Financial leasing companies should choose leasing according to the actual situation of customers.
What are the main risks of financial leasing?
1, product mall risk. In the shopping mall environment, whether it is financial leasing, loan application or capital contribution, as long as the funds are used to increase equipment or carry out skill transformation, we must first consider the shopping mall risks of products produced with leased equipment, which requires us to inquire about the sales of products, the market share and share of shopping malls, the opening trend of product shopping malls, the consumption structure and the mentality and consumption of consumers.
2. Financial risks. Because financial leasing has financial characteristics, financial risks run through the whole trading activity;
3. Skill risk. One of the advantages of financial leasing is to introduce advanced skills and equipment before other enterprises;
4. Business risks. Because of the business characteristics of financial leasing, there are risks in business from order negotiation to entrusted inspection.
Legal basis: Article 735 of the Civil Code of People's Republic of China (PRC).
A financial lease contract is a contract in which the lessor purchases the lease item from the seller according to the lessee's choice of the seller and the lease item, provides it to the lessee for use, and the lessee pays the rent.
Article seven hundred and thirty-six
The contents of a financial lease contract generally include the name, quantity, specification, technical performance, inspection method, lease term, rent composition, payment term and method, currency, ownership of the lease item at the expiration of the lease term, etc.
The financial lease contract shall be in written form.
Article seven hundred and thirty-seven
A financial lease contract concluded by the parties in the form of fictitious lease item is invalid.