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Financing lease: three banks met in the rapid development of
Published on:
2016-08-26 10:03
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From Chinese leasing alliance data show that as of the end of March 2012, the balance of financial leasing contracts has exceeded one trillion yuan mark, reaching 11000 billion yuan; and this figure is expected in 2012 to 15000 yuan refresh.
However, even in the 3 years of rapid development of the fast lane, the domestic financing lease penetration rate is still less than 5%, compared to 20% of the mature countries far.
"The market supervision department, financial leasing enterprises, even industry awareness is not enough, Chinese leasing industry committee executive vice president Qu Yankai said," limit the industry sustained and healthy development of the external environment and internal reasons.
A class of constraints: loans to financial leasing penetration of less than 4% (4% or 5%?)
University of International Business and Economics leasing Research Center, director of the history of the spring (?) Has pointed out that the international financial leasing transactions in the statistics, only the statistics of various types of equipment and other equipment for the subject of financial leasing transactions. And Chinese trading in recent years, many big companies prefer to do business, it is the city infrastructure, highway and other real estate financing lease. Strictly speaking, this part of the transaction called the lease, in fact, the mortgage loan, the actual financing lease penetration rate of less than 4%.
And these businesses are mostly "loans", "type of mortgage" financing lease business, a higher profit operating lease business development is slow. Relevant statistics show that the National Bank lease, the end of 2011 the entire market operating lease assets of only 42 billion 161 million yuan, less than 10% of the assets of the financial leasing.
The rapid rise of the company's financial leasing, more as a means of sales, so that some manufacturers in order to compete for the market to play a zero down payment strategy. Terrible is that it is likely to lie in an enormous credit risk - data show that, in addition to a few large brands with market competitiveness, the general construction machinery manufacturers' bad debt rate has reached nearly 30%.
Two constraints: the single financing channel or the birth of flow pressure and liquidity risk
In addition to a single business model, a single financing channel also makes the risk of financial leasing companies to resist and profit generating capacity is a serious problem. As the bank credit is the main means of financing leasing companies, leasing companies are very sensitive to the adjustment of credit policy. A bank leasing company responsible person told reporters, in the case of the credit crunch, the type of loan mode is the first.
According to regulatory requirements, the financial leasing company capital adequacy ratio of 8%, core capital adequacy ratio reached 4%, the proportion reached 25%. In turn, by enlarging the scale of assets, financial leasing companies generally begin to appear to decline in the capital adequacy ratio, currently the major financial leasing companies are seeking to increase their investment.
But as a non depository institutions, financial leasing companies are still very limited sources of funding. The financial leasing relevant responsible person said: "in the past can also carry out interbank market but in the current tight credit, higher financing costs in the background, the main way to solve the financial difficulties of the financial leasing company has additional capital, shareholder loans."
An interview before CDB leasing chairman Wang Chong when he said, "there is no good solution in long-term funding is currently China leasing companies in the industry long-term sustained and healthy development of the main bottlenecks and obstacles, this phenomenon to a certain extent, flow pressure and liquidity risk is very easy to produce.
Three constraints: the system lag to restrict business development leasing company
Behind the existing system also make leasing industry stumbling.
For example, the financing lease business is to carry out the legal principle of the right to the use of the "property law" in "ownership and separation", however, although the law defines this possibility, but due to the lack of uniform provisions for the registration of property rights, implementation effect is limited. "Once the leased property is mortgaged, or the rental property is repeated leasing and other conditions, the leasing company will be very passive." Beijing City Department of finance law firm partner Zhang Zhiping said.
And because of the financial leasing business involves various industries, and industrial policy has a strong relevance, and in other industries policy formulation, the applicability of the financial leasing business, however, has not taken into account.
In addition, market access and index of some industries also make enterprises tend to purchase assets rather than lease assets, such as in the evaluation of qualification of engineering enterprises, the examination and approval department will have set the threshold of enterprise assets, but according to the accounting statistics caliber, financing lease business and enjoy rights, lease is not, which greatly weakened the business acceptance in the enterprise.
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