转让融资租赁——协同作业模式,融资方式灵活多变


  ◆  产品概况  

指以同一物件为标的物的融资租赁业务。在转租赁业务中,上一租赁合同的承租人同时以是下一租赁合同的出租人,称为转租人。转租人从其他出租人处租入租赁物件再转租给第三人,转租人以收取租金差为目的,租赁物的所有权归第一出租方。转租至少涉及四个当事人:设备供应商,第一出租人,第二出租人(第一承租人)、第二承租人。

 

  ◆  适用客户  

对融资产品提出个性要求,一般性融资租赁无法满足时。

 

  ◆  产品优势  

(1)产品灵活多变 转租赁所针对的第二承租人可以是银行、证券公司、基金公司等多种金融机构,所对应的产品能够满足差异化的需求,提供不同的终端服务;

(2)授信更具保证 转租赁为协同作业,租赁公司将在融资过程中起到全程辅导作用,能够有效的提高授信额度;

(3)节约客户费用 每期还款开具全额收据及所收取利息发票,能够有效的体现财务成本,节约客户税率负担。

 

  ◆  申办流程  

(1)客户申请。由客户提出申请,列明所需融资类型及相关条件,阐明用款计划和还款计划。

(2)出具委托书。客户出具委托书,委托执租赁公司开展转租赁业务,由租赁公司做为牵头机构开展业务。

(3)签约。相关条件落实完毕由资方和客户方签订融资协议,正式确定融资条款。

(4)使用贷款  。银转租赁方发放贷款,客户资金投资于此前申请约定的项目。

(5)还款。大道约定期限后客户正常还款。




Transferring financing lease: cooperative mode, flexible financing solutions




● Products Introduction

Transferring financing lease means a kind of financing lease business focused on one article as subject matter. In the process of transferring lease, lessee of the last lease agreement who also acts as lessor of new agreement is called transferor. The transferor transfers property borrowed from a lessor to another party, during which make a profit from price difference of rents, and the ownership of the property belongs to the first lessor. A legal transfer must involve at least four parties: equipment supplier, the first lessor, the second lessor(the transferor) and the transferee.


● Applicable Clients

Clients having particular needs on financing products and discontented with ordinary financing lease.


● Advantages 

--Flexible products:  Transferee referred in transferring financing lease can be various types of financial institutions such as banks, securities and funds company. The corresponding products can cater to various ---- needs and provide different terminal service.

--Guarantee for Line of Credit:  Transferring financing lease is cooperative process, during which leasing company taking the role of guidance can effectively increase line of credit. 

--Costs saving for clients:  Full payout receipt and invoice of interests received is issued on each payment term, explicitly reflecting the costs of accounting and releasing clients from tax burden.   


● Application process:

--Clients Application.  Client should make an application in which includes type of financing required and relevant conditions, and states the plan of the use of funds and repayment. 

--Insurance of Power of Attorney.  Clients should provide the POA and entrust a leasing company that take the lead in starting business.

--Signing of Agreement.  Financing agreement is signed by lender and client upon relevant conditions is implemented, and the terms of the Financing are stated in the agreement formally.  

--The usage of loan.  The transferor should issue the loan for client to invest in the previously agreed project.

--Repayment.  Clients should make repayment timely within the stated period.