Know the business process of financial leasing company in seconds.

1. Second, understand the business process of financial leasing companies, shop around, handle lease entrustment and credit review, select equipment, sign purchase agreements, sign lease contracts, notarize financial leasing contracts, deliver leased goods, handle inspection and insurance, pay rent, repair and maintain, pay taxes, and dispose of equipment at the end of lease. After the enterprise selects the leasing company, it can apply to it and handle the entrustment. 1, goods comparison When three small and medium-sized enterprises decide to raise a certain piece of equipment by leasing, they first need to know the business scope, business ability, relationship with other financial institutions and credit status of each leasing company, obtain the financing conditions and leasing fees of the leasing company, and compare them to choose the best one. 2. After selecting a leasing company for leasing entrustment and credit review, the enterprise can apply to it and handle the entrustment. At this time, the leasing enterprise fills in the lease application form or lease power of attorney to explain the specific requirements for the required equipment. Leasing companies generally require the lessee to provide the project approval documents and feasibility study reports approved by the examination and approval units stipulated by the state and incorporated into the plan; And the letter of guarantee issued by the guarantee unit recognized by the leasing company (such as the bank of the leasing enterprise) for the lessee to perform the lease contract. At the same time, in order to estimate the lease risk and judge the lessee's ability to repay the rent, the leasing company also requires the lessee to provide its own balance sheet, operating account books and various financial statements. In addition, if necessary, the lessor will further investigate the lessee's qualification and credit status through the credit reporting agency, and then determine whether it can be rented. 3. The methods of selecting equipment include: the enterprise entrusts the leasing company to select equipment and negotiate the price; The enterprise first signs a purchase contract with the equipment supplier, and then transfers the contract to the leasing company, and the leasing company pays the expenses; Designated by the leasing company, the enterprise orders the equipment, pays for it, and the leasing company repays the loan; The leasing company negotiates with the leasing enterprise to purchase equipment, etc. 4. Signing a purchase contract The purchase contract shall be signed by the lessee, lessor and supplier. In the case of entrusted leasing, the leasing company places an order with the manufacturer and signs an order contract, which will be countersigned by the lessee. 5. Signing a lease contract The lease contract is signed by the leasing enterprise and the leasing company and is an important legal document of the leasing business. The content of financial lease contract can be divided into two parts: general terms and special terms. General terms mainly include contract description, terminology explanation, lease equipment terms, lease equipment receipt payment and taxes, terms of use, lease term and lease start date terms, rent payment terms, etc. The special clauses mainly include the relationship between the purchase contract and the lease contract, the ownership of the leased equipment, the non-refundable lease during the lease period, the protection for the lessor and the lessee, the relief for the lessor due to the lessee's breach of contract, the insurance clauses, the lease deposit and guarantee clauses, and the handling clauses for the equipment after the lease expires. 6. Notarization of financial lease contract. Financial leasing can apply for notarization of financial leasing contract. The notarization of the financial lease contract shall be under the jurisdiction of the notary office at the place agreed by the parties or the place where the contract is signed. The parties applying for notarization of the financial lease contract shall fill in the notarization application form and submit relevant materials. 7. The delivery manufacturer of the leased goods will directly hand over the equipment ordered by the leasing company to the lessee when it expires, and notify the leasing company at the same time. 8. After receiving the equipment delivered by the manufacturer, the lessee shall carry out installation and operation test. If its performance meets the original requirements, it shall be deemed as formal acceptance, and the leasing company shall be informed of the acceptance in time. Based on this, the leasing company pays the equipment price to the manufacturer, and starts to calculate the lease date and collect the lease fee. At the same time, the leasing company shall insure with the insurance company according to the value of the leased property, sign an insurance contract and pay the insurance premium. 9. Pay the rent. The leasing enterprise shall pay the rent to the leasing company in installments according to the rent amount and payment method stipulated in the contract. The rent is determined according to the different lease objects and the obligations and expenses borne by both parties. 10. The maintenance lessee may sign a maintenance contract with the manufacturer or other relevant suppliers who supply the leased items and pay the related expenses. 1 1. The tax leasing company and lessee shall pay the tax payable to the tax authorities according to the provisions of the lease contract. 12. When the lease expires, the leased enterprise shall, in accordance with the provisions of the lease contract, withdraw the lease, renew the lease or keep the purchase. In financial leasing, the expired equipment is generally sold to the leasing enterprise at a symbolic price (generally the residual price) or transferred to the leasing enterprise free of charge, or the lease can be renewed at a low rent. To sum up, financial leasing is a new industry, which can be appropriately changed within the scope permitted by law, but the mechanism is not mature enough and involves great risks. Therefore, we should be very cautious before financing lease, and we can conduct risk assessment first to avoid a greater degree of capital loss.