A Study On The Model Of Cooperation Between Banks And Financial Leasing Companies

The first four chapters of this article introduces several parts of financial leasing in details, which includes the definition, features, operations, origins and the development of related institutions. The article based on the profound research about the definition, development history and fund raising methods, reveals the closely relationship and the value to build a tight connection between financial leasing corporations and banks.In the fifth chapter, this article mainly builds three calculation methods, in purpose to explore the feasibility of banks make decisions to provide quantitative basis. The first calculation method aims to financial leasing cooperate situation, for example, financial situation and assets size. Banks should set an index, then consider whether cooperate with this leasing enterprise. By analyzing and calculating standard index, conclude an initial judgment on the enterprise operate situation and contractual capacity. Started from banks'central risk control factors, cultivate the ability of quantitative analysis, analysis financial leasing enterprise GT company financial situation in standard index, which prove article's point.The second calculation method sets a method for credit granting control of financial leasing company, using the method to calculate single financial leasing corporation the highest banking facility. Its core meaning is to calculate the financing lease company under the premise of guarantee its normal reimbursement to withstand the maximum amount. Also, through GT company's data analysis, we can calculate GT company credit granting control, give an example to prove the calculation method's feasibility.At the end, the article designs a financial leasing company overall repaying ability calculation method. This part is divided into two sub methods. By establishing sub method 1, assisted with enterprise now paying plan and intending loan plan, estimate and study the current and future annual cash flow for debt service. Through the establishment of sub methods 1 and 2 results to calculate annual comprehensive debt servicing ratio of financial leasing company in the future, and then determine whether the enterprise have the ability to pay off all debts. The final step of this method is substitute GT company's data in method can get a conclusion, which provides an example for calculating the method of financial leasing company debt-repaying ability.In cahpter6, the article comes in a deep research for both sides, with the help of both sides, large state-owned banks and financial leasing enterprise, typical example of the successful cooperation, the successful experience and establish cooperation can be summarized by the significance meaning.Under the constraint of several factors, at the end of article point out some of disadvantages and limits of achievement, this article looks forward to provide reference value for the cooperation business between commercial banks and financial leasing company.