The lessor is the operator of the financial leasing market, the most active part of the financial leasing transaction and the leading force to promote the development of the financial leasing transaction. According to its nature and investment purpose, lessors can be divided into the following three types:
1. The manufacturer lessor is the lessor attached to the equipment manufacturer. Some large industrial manufacturing enterprises in the fields of machinery and electronics, in order to expand the market share of their products and increase sales, set up leasing departments within their own enterprises, or set up leasing subsidiaries alone, or cooperate with other professional financial leasing companies to specialize in the financial leasing business of their products in domestic and foreign markets. Well-known manufacturers in the world include GE Capital, IBM, Caterpiller, Siemens Credit Company (Siexmns) and so on.
The purpose of this lessor's financial leasing is to use the financial advantages of the financial leasing exchange to improve the comprehensive competitiveness of the company's products, thereby increasing product sales and expanding product market share. When making specific financial leasing transaction arrangements, such lessors often give full play to their own advantages, provide customers with services such as maintenance, repair and spare parts supply of leased equipment, and provide more flexible choices when the financial leasing period expires, so as to better meet customers' needs for equipment installment payment, off-balance sheet financing, short-term use and risk-free technology update.
2. Lessors of financial institutions
That is, banks, insurance companies, securities companies and other financial institutions, which use their own capital potential to directly participate in financial leasing transactions, or set up their own leasing departments or leasing subsidiaries to participate in financial leasing transactions, occupy an important position in the financial leasing market.
3. Independent lessor
That is, leasing companies specializing in financial leasing, or financial consulting companies and brokerage companies related to leasing business. When such lessors carry out financial leasing business, they mainly use their professional leasing technology to arrange various trading methods and independently carry out financial leasing transactions for specific customer groups to ensure the maximum interests of all parties.