您好,欢迎来到上海注册食品公司一站式服务中心!
电话:021-60252521,021-60252522

企业服务中心浅谈注册融资租赁公司性质界定
来 源:www.71-fuwu.com     发布时间:2016-8-30 9:48:49

   在中国的现行管理体制下,融资租借公司作为租借财物的购置、出资和管理安排,可所以金融安排,也可所以非金融安排。


企业服务中心浅谈注册融资租赁公司性质界定



    有的人以为,融资租借既然是在为承租人供给以物为载体的融资效劳,融资租借公司就应当是金融安排;还有的人以为,融资租借是一种推进租借物流转出售的买卖 做法,融资租借公司应当归于非金融的交易安排。融资租借事务自身的确具有融资效劳和交易效劳的两种商场功用。以融资租借事务具有的商场功用来界定融资租借 公司是从事融资效劳的金融安排,仍是从事推进租借物流转出售的非金融的交易安排,显然都不太适宜。

    融资租借公司从事的债券出资事务对承租人来说即是融资效劳,具有金融效劳的性质。可是并不是供给金融效劳的安排就必定是金融安排。融资租借公司自身是不是是 金融安排,完全由公司的股东布景和公司按照商场准入规范的有关法规取得的经营范围来断定。

     假如其股东布景为银行、稳妥、信任、证券等金融安排并到达必定的 持股份额,或公司是根据金融主管部分公布的商场准入的有关法规建立,除从事融资租借事务以外,还能够从事吸收存款、借款、同业拆借等别的金融事务,那么, 这个融资租借公司即是金融安排性质的租借财物出资和管理安排。假如其股东布景是制造商或是通常工商公司、非金融的出资安排建立的专门从事融资租借事务的融 资租借公司,公司经营范围也不介入吸取存款等别的金融事务,那么,这个融资租借公司显然不该界定为金融安排。

    现在,中国金融安排性质的融资租借公司的审批监督部分是银监会,非金融安排的融资租借公司的审批管理部分是商务部。

    金融安排类的租借公司在很多国家成为租借安排体系中的主导。不过国际金融公司在1998年出书的《金融安排的经验教训》一书中(第50页)明确指出“与那 些由银行或万能金融安排供给租借效劳的国家比较,在由独自的租借公司运作大多数事务的国家中,租借的浸透率(租借在出资性融资中所占份额)更高。其原因在 于,后者的有关技术得到了更大的表现,对商场更为重视。

     然而在某些商场中,比起那些有时机取得低成本存款资金的银行,租借公司也许处于下风,假如在专业租 赁公司的商场浸透率到达5%—10%之前,银行便开始竞赛,情况更是如此了。租借公司是极为有限的银行竞赛对手的一个,它与银行的竞赛有益于租借业的发 展,而当租借公司遭到银行操控时,这一优点便消失了。

Under the current management system in China, the financing lease company is the purchase, investment and management arrangement of the property, so it can be used in financial arrangements.


Some people think, financing lease since it is in the lease supply to carrier service for the financing, financing leasing company should financial arrangements; that there are people, financing lease is a advance loan logistics transfer sale business practices, financing leasing company should angelica to non financial trading arrangements. The two kinds of shopping malls, which are financing services and transaction services, have their own financing services and transaction services. To financing lease transactions have market power to define financing leasing company is engaged in the financial service financing arrangements, is still engaged in promote arrangement of loan flow of the sale of non financial transactions, apparently is not very appropriate.


Finance lease company engaged in the bond investment business for the lessee is the financing services, with the nature of financial services. But it is not the arrangement of financial services must be a financial arrangement. Finance leasing company itself is not a financial arrangement, completely by the company's shareholders and the company in accordance with the rules of the market access regulations to determine the operating range of regulations.


If the background of the shareholders for the bank, safe, trust, securities and other financial arrangements and reach must share ownership, or company is according to the financial departments announced the market access of the relevant laws and regulations established, in addition to engage in the financing lease business outside, but also to engage in absorbing deposit, loan, inter-bank lending and other financial affairs, then the financing leasing company is financial arrange nature of the leased property investment and management. 


If its shareholders background is the manufacturer or is usually companies, industrial and commercial, non financial investment arrangements established specializing in the financing lease business financing leasing company, the business scope of the company is not involved in the absorb deposits and other financial matters, then the financing leasing company is clearly not the definition of financial arrangements for the.

Now, the approval and supervision of China's financial leasing company is part of the China Banking Regulatory Commission, the approval and management of non financial arrangements for the financing of the company is part of the Ministry of commerce.


Leasing companies in financial arrangements in many countries become the dominant loan arrangements in the system. But the International Finance Corporation in 1998 book the financial arrangements of the experience and lessons, "a Book (the page 50) clearly pointed out that" and that by the bank or universal financial arrangements provide loan services comparison, by leasing companies alone operation most of the affairs in the country in that loan penetration rate (on loan in the investment financing share) higher. The reason is that the latter's related technology has been more performance, more attention to the mall.


However in certain shopping malls, compared to those who had the opportunity to obtain the low cost of deposit funding banks, loan companies may be at a disadvantage, if in the professional rent leasing company market penetration rate reached 5% - 10% before the bank began to race, the situation is even more so. The loan company is one of the most Limited Bank competitors, and its competition with the bank is good for the development of the loan business, and when the loan company is controlled by the bank, this advantage will disappear.


上海注册食品公司官方网站:http://www.71-fuwu.com/

最新内容:

    联系方式

  • 值班经理:段经理
  • 联系电话:60252821 60252822
  • 值班手机:18930030700 17721089050
  • 公司邮箱:maikecaiwu@126.com
  • 公司地址:中国.上海市闸北区共和新路3699号【共和国际商务大厦A610室】
扫一扫,关注我们!

扫一扫,关注我们!

Copyright © 2015 上海中小型企业一站式服务中心 版权所有  沪ICP备07029374号 网站地图

QQ客服热线