Financial leasing refers to a transaction in which the lessor purchases the leased property from the seller according to the lessee's choice of the seller (supplier) and provides it to the lessee for use, and the lessee pays the rent. After the lease expires, the ownership of the goods belongs to the lessee.

Financial leasing, also known as financial leasing. It refers to an economic activity that combines financing and finance after the lessee selects the machinery and equipment, and the lessor buys it first and then rents it to the lessee for use, and the lessee pays the rent on schedule.

After the lease expires, the leased equipment can be disposed of in three ways: returning the lease, renewing the lease or transferring it to the lessee. Financial leasing is a form with the greatest influence, the widest application and the largest turnover in modern leasing.

function

(1) solved the shortage of funds for the lessee and promoted its equipment upgrade and enterprise development.

(2) It provides new investment channels for investors. Financial leasing generally has a stable cash (rent) return, so the risk is relatively small. The independence of trust property ensures the safety of investors' funds.

(3) It has opened up a wide range of business types for trust and investment companies.

General business process

Only the general business process of subletting is described, and the business processes of other financial leasing fund trusts are similar. Trust legal network suggests that the general business process of subletting financial leasing fund trust includes:

(1) The trust company signs a purchase contract with the supplier, the trust company signs a financing lease contract with the leasing company A, and the leasing company A signs a sublease contract with the leasing company B;

(2) The trust company issues a trust plan for financing lease funds to raise funds from investors;

(3) The supplier submits the leased property to the leasing company A (the first lessee);

(4) The leasing company A (the second lessor) sublets the leased property to the leasing company B (the second lessee);

(5) The leasing company B pays the rent to the leasing company A;

(6) Leasing Company A pays the rent paid by Leasing Company B in the form of rent after deducting certain fees;

(7) After deducting certain management and other related expenses from the rent paid by leasing company A, the trust company pays the principal and income to the investors. ..