Contact Us
- (86-571)87950988
- Fax:(86-571)87950506
- Add:Huazu Building, No.88 Jiangjin Road, Shangcheng District, Hangzhou, Zhejiang, China
Leasing Business
Products cooperated with financial institutions
1.Credit cooperative products
China Huarong Financial Leasing gets credit financing from banks, including credit loan, guaranteed loan, mortgage loan, pledge loan with rent receivable, factoring with rent receivable, bill business and etc.
Main advantages: easy to operate, mature mode; be able to do loan registration, pledge registration; the rent can be deposited in a specific account, and the bank acceptance level is high; the loan repayment arrangement compliable with the rent repayment plan, the loan repayment pressure is low, and the capital operation efficiency is high.
Key products:
(1)pledge loan with rent receivable
receiving loan from financial institutions such as banks by placing the rent receivables of released lease project as a pledge
(2)factoring with rent receivable
assigning the immature rent receivable under the financial leasing contract to the bank. The bank acts as the assignee of the rent claim to collect the rent and provide loan and comprehensive financial service of rent receivable management to the lessor. The factoring business falls into the categories of factoring with the right of recourse and factoring without the right of recourse.
2. Products cooperated with peers in the financial industry
China Huarong Financial Leasing, a financial institution, cooperates with financial institutions such as banks in financial business including borrowing and lending fund from and to other financial institutions, assignment of financial leasing assets and etc.
Main advantages: standard credit authorization mode, easy to operate, flexible mode and term, not limited by credit loan scale and the deposit and loan ratio.
Key products:
(1)inter-bank borrowing and lending s;
(2)borrowing from other financial institutions: at present, the operation modes include credit loan and pledge loan with rent receivables;
(3)assignment of leased assets: including assignment of purchased-back leased assets and assignment of buy-out leased assets;
(4)fixed-term deposit at other financial institutions: the Company deposits fund in fixed term at banks.
3. Structural financing products
China Huarong Financial Leasing, banks, trust institutions and securities companies work together to realize financing or securitization of leased assets by establishing trust plan, asset management plan and etc. on the basis of leased assets with a proper trade structure.
Main advantages: isolate product risks through structuralized design. The investment objects are diverse. The return on investment is high.
Key products:
(1)Trust of the right of earnings on lease and bank wealth management mode
Use the right of earnings on rent as trust asset to set up equity trust and assign the trusted equity to bank wealth management fund, or set up a single trust fund with the money raised by wealth management product to buy the right of earnings on rent.
(2)Wealth management plan for the right of earnings on lease
With the leased asset (right of earnings on lease) as the object, set up leased asset management plan through securities companies, insurance, asset management institutions and so on to acquire bank wealth management product fund, insurance fund and other funds.
(3)Asset securitization
Set up asset trust with the leased asset (right of earnings on lease) to issue trust plan shares in an open market. The investors of the open market will subscribe for the investment.
4. Asset portfolio products
China Huarong Financial Leasing cooperates with financial institutions such as banks to provide financing service to targeted customer (the lessee) together in the form of bank consortium, structuralized loan and etc. to control the financing cost and lock risk together.
Main advantages: flexible marketing mode, secure and maintain customer resources together.
Key products:
(1)Credit line combination refers to the bank and China Huarong Financial Leasing forming a bank consortium to provide financing service to the customer.
(2)Term combination refers to the bank and China Huarong Financial Leasing providing short-term and mid-to-long-term financing service to the customer respectively.
(3)Risk control combination refers to the bank and China Huarong Financial Leasing using various risk control resources flexibly such as guarantee, mortgage, pledge and occupation of the ownership of the leased equipment to lock the risk of the financial asset together.
(4)Involvement period combination refers to the bank and China Huarong Financial Leasing involving in the service to the business in different periods. According to the demands of the customer in different periods, the bank and Huarong manage the cash flow of the customer properly.
(5)Credit combination refers to the bank and China Huarong Financial Leasing cooperating to provide customized credit improvement and provide diverse financing service to businesses.
