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租赁信贷,是由指银行出资购买大型机器设备,或银行与设备生产单位合作,对承租人提供大型机器设备的一种信用形式。它是近几十年逐渐发展起来的一种新的融资和融物相结合的信贷形式,能适应企业加快技术改造,实现技术进步。租赁信贷的形式,根据出租与承租双方的情况及需要,目前,主要可开办以下几种形式: 1、自营租赁。是银行应租用单位的要求,购进租用单位自行选择的设备,订立租约,交承租单位使用,银行按期收回出租设备的部分原值、利息、手续费和产权转让费等。 2.合办租赁。由生产设备的单位提供设备。银行负责联系承租单位,由银行和设备生产单位联合出
Leasing credit refers to a type of credit that the bank provides for the purchase of large-scale machinery and equipment, or the cooperation between banks and equipment production units, and provides the lessee with a large-scale machine and equipment. It is a new type of credit combined with financing and financial development that has gradually developed in recent decades. It can adapt to enterprises to accelerate technological transformation and achieve technological progress. In the form of leasing credits, according to the conditions and needs of both the leasing and renting parties, at present, the following types of lending can be established: 1. Self-operated leasing. It is the requirement of the leasing unit to purchase equipment purchased by the leasing unit, enter into a lease, hand it over to the leasing unit for use, and the bank shall recoup some of the original value of the rental equipment, interest, fees and property transfer fees, etc. 2. Jointly leasing. Equipment is provided by the unit that produces the equipment. The bank is responsible for contacting the lessee, which is jointly