I don't understand some questions about the company's financial leasing business. I want to ask experts to answer them. Thank you.

Rough annual interest rate: 4109 *12 ÷ 3 ÷ 40000 = 7.75%. If the deposit and handling fee are included, the annual interest will be around 8%.

I use the internal system to calculate the internal rate of return (IRR) of the leasing company as 23.8% (there may be some differences between different algorithms).

Roughly speaking, it is a relatively high financing cost. The annual interest rate of our company is around 4.5%, and the internal rate of return is below 14%.

But I don't know what assets you are, what kind of system your company is, and what the overall risk coefficient is, which will affect the cost calculation of the other party. And the other party's share for you is close to 100%.

The rent of each period of this scheme is equal, which seems to be relatively gentle and stable for your company's cash flow. However, if the assets are normal risk assets, the cost of capital has actually exceeded the industry average level by one notch, so it is recommended to negotiate.