What are the development prospects and profit models of financial leasing companies?

The Analysis Report on the Market Prospect and Investment Strategic Planning of China's Financial Leasing Industry shows that the development direction of financial leasing in the next few years (three years) is "steady operation and moderate growth", and the business tactics are "shrinking the front line and turning to attack for defense", and realizing "progress and retreat, maintaining pressure, slowing down and ensuring quality" in the dynamic structural adjustment.

The profit model mainly includes:

I. Income from creditor's rights

1, the financial leasing company, of course, is the most important profit model for the financial leasing company to carry out the full paid financial leasing business and obtain the spread and rental income; 2. Allocating credit funds through financial leasing can control risks by raising interest rates or leasing interest rates for small and medium-sized banks, and it is not necessary to lower interest rates for high-quality customers.

Second, residual income.

1. Improving the surplus disposal income of leased property is not only an important measure to control the risk of financial leasing, but also one of the important profit models of financial leasing companies.

Three. Service income

1. Lease fee, and the lease service fee is the contract management service fee for all financial leasing companies; 2. Financial consulting fee. In some large-scale projects or equipment financing, financial leasing companies will provide customers with comprehensive financing solutions, and will charge a certain percentage of financial consulting fees or project success fees according to the financing amount.

Four. Operating income

1. Financing and operation. The sources of working capital of financial leasing companies can be multi-channels. When operating its own funds, it can get higher income than the loan interest rate in the same period.