Financial leasing, also known as equipment leasing or modern leasing, refers to the lessor according to the lessee's specific requirements for the leased object and the supplier's choice, the capital to the supplier to purchase the leased object, and leased to the lessee to use the lessee, the lessee pays the rent to the lessor by installments, the ownership of the leased object belongs to the lessor during the lease period, and the lessee has the use of the leased object.
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The advantages of financial leasing
1, financial leasing is an effective means to promote investment
Market analysis shows that the main advantage of financial leasing is to promote investment in equipment and help customers expand new investment space. Financial leasing transactions at the beginning of the period can accurately account for the size of all investment and payment schedule, with many traditional credit transactions do not have the function. For example, financial leasing transactions can flexibly arrange the payment schedule according to the income generated by the leased property, taking up as little as possible of the customer's cash flow and not taking up the customer's credit line. Financial leasing not only promotes investment in leased equipment, but also expands the financing space for other investment needs for the customer and optimizes the customer's financial indicators.
2, to avoid the risk of asset obsolescence
Since the lease contract has a clear term, for the lessee, the use of financial leasing as a way to keep the equipment and systems of real-time updates. The lease term is generally shorter than the normal life of the leased object, the lessee can eliminate obsolete equipment in time at the end of the period in order to maintain the advanced nature of the assets and related systems. With the advancement of technology, especially in areas such as IT and medical technology, the cycle of technological update is getting shorter and shorter, and the prediction of the trend of technological equipment development is becoming more and more difficult, and financial leasing can help customers to better manage the risks of technological obsolescence and depreciation of the value of the assets.
3. Save Time and Reduce Costs
Financial leasing transactions generally include value-added services such as equipment maintenance and insurance, and even comprehensive service agreements in financial leasing transactions such as for vehicles and IT equipment. Through such an arrangement, the lessee can outsource other services related to equipment investment to the financial leasing company together and focus more on the construction of the company's core competitiveness. In terms of asset management, the financial leasing company has a professional team, with its own professional advantages of the leased goods for intensive management, both to save the customer's time, but also more economical and efficient.