What are the sources of funds for financial leasing companies and commercial factoring now?

1. There are financial groups behind the establishment of general shareholder loan finance companies. The financial owner behind it will provide loans to factoring or leasing companies according to its registered capital, which generally costs a lot. The cost of shareholders' own funds is mostly 30% higher than the benchmark interest rate of banks, and the annual cost of such funds is about 7-9%.

2. Bank loans are refinancing on the basis of the existing business of banks. Take the factoring company as an example, similar to the bank providing loans for the company's quality business re-factoring, the loan interest rate is slightly higher based on the cost of capital, and the annualized rate is about 5-7%.

3. Asset securitization is generally aimed at large factoring or leasing companies. Most of the securitized assets are above 654.38+0 billion, and the assets packaged and issued securities return to cash flow. The cost price of such funds is greatly influenced by the market, and the overall issuance of 654.38+07 will be annualized by 6-7% next month.

4. The existing high-quality business or short-term wealth management products issued by P2P and other channels are generally small in scale, with high capital cost and high annualized income of products to be redeemed. Plus the platform fee, the cost is about 10%.

5. Other financing financial channels: the original shareholders registered to increase their own assets, dismantled together with industrial finance, and so on.