Financial leasing, also known as equipment leasing or modern leasing, means that the lessor buys the leased property from the supplier and rents it to the lessee according to the specific requirements of the lessee and the choice of the supplier. The lessee pays the rent to the lessor by installments. During the lease period, the ownership of the leased property belongs to the lessor, and the lessee has the right to use the leased property.
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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 equipment investment and help customers expand new investment space. Financial leasing transaction can accurately calculate the scale and payment schedule of all investments at the beginning, which has many functions that traditional credit exchanges do not have. For example, in financial leasing transactions, the payment plan can be flexibly arranged according to the income generated by the leased property, so as to occupy the customer's cash flow as little as possible and not occupy the customer's credit line. Financial leasing can not only promote the investment in leased equipment, but also expand financing space for other investment needs of customers and optimize their financial indicators.
2. Avoid the risk of outdated assets
Because the lease contract has a clear term, for the lessee, financing lease can keep the equipment and system updated in real time. The lease term is generally shorter than the normal service life of the leased property, and the lessee can eliminate outdated equipment in time at the end of the period to maintain the advanced nature of the assets and related systems. With the progress of science and technology, especially in the field of IT and medical technology, the cycle of technology update is getting shorter and shorter, and the development trend of technology and equipment is more difficult to predict. Financial leasing can help customers better manage the risks of outdated technology and asset depreciation.
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 vehicles and IT equipment. Through this arrangement, the lessee can outsource other services related to equipment investment to the financial leasing company, and pay more attention to the construction of the company's core competitiveness. In terms of asset management, the financial leasing company has a professional team, relying on its own professional advantages to intensively manage the leased property, which not only saves customers' time, but also is more economical and efficient.