The Research On Legal Problems Of Difficulties In Internet Financing Leasing

In this paper,the traditional financial leasing model and the “Internet+Financing Lease” gradually appear as different types of business such as the borrower model(P2L model),creditor rights transfer model(A2P model),income rights transfer model,and the lessee as the borrower model.Analyze the form,and combine the current regulatory requirements of relevant departments on Internet finance,and summarize the differences and advantages and disadvantages of Internet finance lease modes.This paper believes that while these emerging industries have injected new vitality into the financial leasing industry,due to the immaturity of the model development,or the emergence of problems similar to those in the development of P2 P business,such as the issue of borrowing quotas for online lending platforms;or the emergence of the Internet.Problems specific to financial leasing,such as the validity of the mortgage right of the lease item.This article analyzes the difficulties mentioned above as an entry point,and proposes corresponding suggestions for improving the development of Internet financing leasing: The supervisory level should improve the system of borrowing quotas,such as raising the maximum amount of borrowing money and implementing a classification system for borrowing quotas to meet the needs of small and medium-sized enterprises.Urgent financing needs;In the existing financial lease registration system,speed up the establishment of a national unified financial lease registration platform,making the ownership information of financial leasing more transparent,and ultimately promote the development of Internet finance leasing in this emerging field.