融资租赁是现代融资的重要手段,也是金融机构的重要课题,现我就重汽集团财务公司兴办融资租赁业务谈一点粗浅认识和初步设想。一、融资租赁是个新事物对我们来说,融资租赁还是一件新事物。融资租赁的概念是什么?“租赁”为由物件所有者(即出租人),按协议(或合同)的规定,在一定期限内将物件出租给使用者(即承租人);承租人则按期向出租人交纳一定的租金,这类交易行为称作租赁。但在租赁期间物件的所有权仍属于出租人,所以,租赁也可概括为“动产或不动产使用权的一种借贷关系”。我们这里所 Financial leasing is an important means of modern financing, but also an important issue of financial institutions, and now I talk about the construction of the financial leasing company Zhongqi Automobile Finance some superficial understanding and preliminary ideas. First, the financial leasing is a new thing For us, financial leasing or a new thing. What is the concept of financial leasing? “Lease ” by the object owner (ie lessor), according to the agreement (or contract), within a certain period of time the object will be leased to the user (that is, the lessee); lessee Then pay the lessor a certain amount of rent on schedule. Such transactions are called leasing. However, the ownership of the object still belongs to the lessor during the lease, so the lease can also be summarized as a “borrowing relationship between the movable property and the real property”. We are here