短期融資及設(shè)備融資風(fēng)險(xiǎn)管理.ppt

短期融資及設(shè)備融資風(fēng)險(xiǎn)管理 Risk Management of Short-term Financing and Equipment Financing,引言 Introduction,數(shù)據(jù)一：上市公司數(shù)與中小企業(yè)數(shù)的比較 Data I: Comparing the number of public companies and small and medium-sized enterprises (SME) 截止2008年6月5日 國內(nèi)中小企業(yè)數(shù) As of June 5, 2008 the number of small and medium-sized enterprises 2006年底3151.8萬家，較上年增長 11.2% ，預(yù)計(jì)2012年將達(dá)到5000萬 家，年均增長率 7%-8% There were 31.518 million SMEs at the end of 2006, an increase of 11.2% year-on-year. It is estimated to be up to 50 million SMEs by 2012, a yearly average increase of 7%-8%.,VS,引言 Introduction,數(shù)據(jù)二：直接融資額與間接融資額的比較 Data II: Comparing of the value of direct financing and indirect financing,引言 Introduction,數(shù)據(jù)分析 Data Analysis 能直接融資的企業(yè)仍為少數(shù)，大多數(shù)企業(yè)需依賴自有資金及銀行融資 Few enterprises are able to finance directly. Most of the enterprises depends on owned-capital and bank financing. 直接融資比例雖有所提高，但間接融資仍居于主導(dǎo)地位。 Though the percentage of direct financing increased, indirect financing still occupies a leading position.,引言 Introduction,中國金融機(jī)構(gòu)貸款余額及構(gòu)成 Loan Balance and break down of China Financial Institutions,單位:億元 In RMB, Hundred Million,貸款余額年平均增長16% The yearly average increase of 16% in the loan balance.,Short-term loan,Medium and long-term loan,Others,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,不基于單筆貿(mào)易的短期融資品種 The varieties of short-term financing products based on non-single trade transaction 營運(yùn)資金貸款 Working capital loan 周轉(zhuǎn)限額貸款 Revolving line of credit loan 臨時(shí)貸款 Temporary loan 搭橋貸款 Bridge loan 貸款承諾 Loan commitment,1、營運(yùn)資金貸款 1. Working capital loan 滿足借款人日常經(jīng)營中合理的連續(xù)使用需求 The borrower uses for normal business operations or to meet continuous need for capital 未來綜合收益和其他合法收入等作為還款來源 Future income and other legal income are the resources for repayment. 可采用循環(huán)貸款方式，一次簽約、多次提款、逐筆歸還，循環(huán)使用 It could be revolving loans. Sign contract once, draw down several times, repayment by transactions.,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,2、周轉(zhuǎn)限額貸款 2. revolving line of credit loan 滿足借款人日常經(jīng)營中確定產(chǎn)品用途項(xiàng)下的資金短缺需求 Finance confirmed products in normal operation when borrower are short of capital 以約定的、可預(yù)見的經(jīng)營收入作為還款來源 The agreed predicted operating income is the repayment resource.,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,3、臨時(shí)貸款 3. Temporary loan 滿足季節(jié)性或臨時(shí)性的資金需求 To finance the seasonal or temporary capital needs. 依據(jù)訂單組織備貨和生產(chǎn) Preparing the material and production according to the order. 以對(duì)應(yīng)的產(chǎn)品（商品）銷售收入和其他合法收入等作為還款來源 The sales of relevant products and other legal income are the repayment resources.,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,4、搭橋貸款 4. Bridge loan 滿足階段性的資金需求 To finance the interim capital needs. 以未來所獲政府撥款等非經(jīng)營性現(xiàn)金流作為還款來源 The cash flow from non-operation is the repayment resource, such as government funding. 主要適用已落實(shí)計(jì)劃內(nèi)資金暫時(shí)無法到位，需要先行墊付資金的借款人（學(xué)校、醫(yī)院等事業(yè)法人或城市建設(shè)投資公司等企業(yè)法人） It is mainly to finance the borrowers until permanent or the next stage of financing can be obtained, such as school, hospital or other non-profit organizations and urban develop and investment companies.,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,5、貸款承諾 5. Loan commitment 滿足借款人未來一定時(shí)期內(nèi)或有的融資需求，向其出具的具有法律約束力、允許其在需要時(shí)按照合同約定條件提取貸款的信貸承諾 To meet the contingent financing needs in a certain period in the future, the a lender makes commitments that are contractual obligations for future funding to a borrower on specific terms in return for a fee 為借款人提供信用支持（發(fā)行債券或商業(yè)票據(jù)、向第三方融資、收購資產(chǎn)） Provide credit support to borrowers such as bonds, commercial paper, financing from a third party, acquiring assets, etc.,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,基于單筆貿(mào)易的短期融資品種 The varieties of short-term financing products based on single trade transaction 保理 Factoring 打包貸款 Packing loan 國內(nèi)發(fā)票融資 Domestic invoice financing,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,1、保理 Factoring 應(yīng)收賬款須符合以下條件： The accounts receivable (AR) should meet the following requirements: 1.應(yīng)收賬款權(quán)屬清楚，銷貨方未將其轉(zhuǎn)讓給任何第三人，也未在其上為任何第三人設(shè)定任何質(zhì)權(quán)和其他優(yōu)先受償權(quán)； The property of the AR should be clear. The seller neither sell it to any other third party nor set any other pledge right or priority right to be repaid on the AR. 2.銷貨方與購貨方在合同中未約定應(yīng)收賬款不得轉(zhuǎn)讓的條款 There are not any terms that the AR couldt be sold in the contract between the seller and debtor. 3.應(yīng)收賬款賬期與行業(yè)特征相吻合 The period of AR should be accord with the industry.,銷貨方 Seller,購貨方 Debter,購銷合同 Contract,銀行（保理商） Bank (Factor),應(yīng)收賬款轉(zhuǎn)讓 Sells its accounts receivable,融資、賬款 管理 Financing and account managmeent,還款 repayment,資信 調(diào)查 Credit investigation,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,2、打包貸款 2. Packing loan 用于出口商裝船前生產(chǎn)、收購、運(yùn)輸?shù)荣M(fèi)用的支出 provide support to export enterprise to finance the expenses of production, acquisition, transportation before shipping. 出口商以收到的信用證項(xiàng)下的預(yù)期收匯款項(xiàng)作為還款來源 The predicted remittance under L/C from export enterprise is the repayment resource.,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,3、國內(nèi)發(fā)票融資 3. Domestic invoice financing 境內(nèi)銷貨方（借款人）在不讓渡應(yīng)收賬款債權(quán)情況下，以其在國內(nèi)商品交易中所產(chǎn)生的發(fā)票為憑證向銀行融資 If the seller doesnt sell its AR, the seller get loan from the bank by the invoice of domestic trade. 發(fā)票所對(duì)應(yīng)的應(yīng)收賬款為第一還款來源 The amount of the AR on the invoice is the first repayment resource. 適用于與銀行核心客戶具有穩(wěn)定購銷關(guān)系、并為其提供上游配套產(chǎn)品的中小客戶或中低端客戶 It applies to medium and small customers who has a stable relationship between the key customers of the banks. 發(fā)票及其對(duì)應(yīng)的應(yīng)收賬款須符合以下條件： The invoice and the AR should meet the following requirements: 1. 發(fā)票真實(shí)、合法、有效；The invoice is authentic, legal and effective. 2. 發(fā)票所列商品為銷貨方的主營產(chǎn)品 The product listed in the invoice should be the main product of the seller. 3. 應(yīng)收賬款還款期限一般不超過半年；The account period of the AR cant exceed half a year. 4. 應(yīng)收賬款權(quán)屬清楚 The property of the AR should be clear.,第一部分 國內(nèi)短期融資主要品種 Part I The Varieties of Domestic Short-term Financing Products,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,短期資金授信相關(guān)風(fēng)險(xiǎn) The credit risks of short-term capital 債務(wù)主體風(fēng)險(xiǎn) debtor risk 市場風(fēng)險(xiǎn) market risk 業(yè)務(wù)風(fēng)險(xiǎn) operation risk 政策風(fēng)險(xiǎn) policy risk 擔(dān)保風(fēng)險(xiǎn) guarantee risk 銀行管理風(fēng)險(xiǎn) bank management risk,1、債務(wù)主體風(fēng)險(xiǎn) Debtor risk 風(fēng)險(xiǎn) 識(shí)別 “5C” 法則 5C principles in defining risks,特質(zhì)（Character）,資本（Capital）,能力（Capacity）,環(huán)境（Condition）,抵押（Collateral）,風(fēng)險(xiǎn)規(guī)避措施： Means of avoiding risks,信 息 收 集,財(cái) 務(wù) 分 析,非 財(cái) 務(wù) 分 析,趨 勢 分 析,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,Information collection,Financial analysis,Non-financial analysis,Trend analysis,2、市場風(fēng)險(xiǎn) 2. Market risk 市場 風(fēng)險(xiǎn) 識(shí)別 Define the Market risk,宏觀經(jīng)濟(jì) Macro economy,行業(yè)周期及波動(dòng) Industry cycle & fluctuation,競爭狀況 competition,行業(yè)壁壘 Industry barriers,產(chǎn)品替代性 Product Substitutability,風(fēng)險(xiǎn)規(guī)避措施： Means of avoiding risks,行業(yè)分析 Industry analysis,匯 率 風(fēng) 險(xiǎn),利 率 風(fēng) 險(xiǎn),產(chǎn) 品 價(jià) 格 波 動(dòng),受信人風(fēng)控水平分析 Risks of borrower analysis,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,Exchange rate risk,Interest rate risk,Price fluctuation,3、業(yè)務(wù)風(fēng)險(xiǎn) 3. Operation risk,不基于單筆貿(mào)易的短期融資業(yè)務(wù)風(fēng)險(xiǎn) The risks of short-term financing products based on non-single trade transaction 用途合理性 Fair in the usage 金額合理性 Fair in the amount 還款來源的可靠性 Reliability of repayment 風(fēng)險(xiǎn)規(guī)避措施： Means of avoiding risks 加強(qiáng)貸后檢查 Strengthen the check after the loans 合理計(jì)算授信額度 rational calculate the credit quota,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,3、業(yè)務(wù)風(fēng)險(xiǎn) 3. Operation risk,基于單筆貿(mào)易的短期融資業(yè)務(wù)風(fēng)險(xiǎn)： The risks of short-term financing products based on single trade transaction 貿(mào)易背景的真實(shí)及公允性 True and fair in trading background 融資額與信用證、發(fā)票金額的匹配性 The accordance among financing value, L/C and invoice 融資期限與物流、資金流周轉(zhuǎn)期限的匹配性 The accordance among financing terms, logistic and turnover of capital. 風(fēng)險(xiǎn)規(guī)避措施： Means of avoiding risks 認(rèn)真審查業(yè)務(wù)相關(guān)合同及發(fā)票 Careful checking on related contract and invoice 關(guān)注貨物運(yùn)輸及資金劃轉(zhuǎn)路徑 Pay more attention to transportation and capital transfer,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,授信額度合理性計(jì)算舉例 Example: rational calculation of the credit quota 資產(chǎn)負(fù)債表 Balance Sheet 資產(chǎn) Assets 負(fù)債及權(quán)益Liabilities & Shareholders Equity 現(xiàn)金 cash 80 應(yīng)付賬款 accounts payable 400 應(yīng)收賬款 accounts receivable 700 應(yīng)付費(fèi)用 accrued expenses 80 存貨 inventory 500 短期借款 short-term liabilities 450 流動(dòng)資產(chǎn) current assets 1280 一年內(nèi)到期的長期負(fù)債 long-term liability due within one year 50 固定資產(chǎn) fixed assets 1220 流動(dòng)負(fù)債 current liabilities 980 總資產(chǎn) total assets 2500 長期負(fù)債 long-term liabilites 550 所有者權(quán)益 shareholders equity 970 負(fù)債及所有者權(quán)益 2500,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,損益表 Income Statement 主營業(yè)務(wù)收入 Revenue of main business 9125 主營業(yè)務(wù)成本 Cost of main business 6100 營業(yè)費(fèi)用 Operating expenses 2550 假設(shè)年采購金額為 6430（主營業(yè)務(wù)成本期末存貨-期初存貨），則根據(jù)上述報(bào)表中數(shù)據(jù)， Suppose the annual purchase is 6430 (Revenue of main business + ending inventory beginning inventory), according to the above data in the financial report, 日均銷售額 daily sales 25 日均銷售成本 daily cost of goods sold 16.71 日均營業(yè)費(fèi)用 daily operating expenses 6.99 日均采購額 daily purchase 17.62,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,營運(yùn)資金轉(zhuǎn)換周期 Turnover of operating capital 流動(dòng)資產(chǎn) Current assets 流動(dòng)負(fù)債 Current liabilities 現(xiàn)金周轉(zhuǎn)天數(shù) Cash conversion cycle 3.2 應(yīng)付賬款周轉(zhuǎn)天數(shù) Days payable 22.71 應(yīng)收賬款周轉(zhuǎn)天數(shù) Days receivable 28 應(yīng)付費(fèi)用周轉(zhuǎn)天數(shù) Days expenses outstanding11.45 存貨周轉(zhuǎn)天數(shù) Days inventory 29.92 流動(dòng)資產(chǎn)周轉(zhuǎn)天數(shù) Current assets turnover 61.12 流動(dòng)負(fù)債周轉(zhuǎn)天數(shù) Current liabilities turnover 34.16 流動(dòng)資產(chǎn)轉(zhuǎn)換周期與流動(dòng)負(fù)債轉(zhuǎn)換周期的時(shí)間差 Delta of current assets turnover and current liabilities turnover 61.1234.1626.96 營運(yùn)資金需求量 Working capital needed26.9616.71450.53,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,根據(jù)上述財(cái)務(wù)數(shù)據(jù)計(jì)算的營運(yùn)資金需求量，即企業(yè)需向銀行融資的金額，與資產(chǎn)負(fù)債表中的短期借款450相核對(duì)： The working capital calculated from above financial data is the amount that the enterprise needs from the bank. Compared the number with the short-term liabilities in the Balance Sheet, 若企業(yè)向銀行融資額450，則銀行資金存在被挪用的風(fēng)險(xiǎn)。 If the financing amount is more than 450, there will be risk of peculating the funding from the bank. 上述融資額的計(jì)算為理想狀態(tài)下的融資額，由于依賴于如下假設(shè)條件，在實(shí)際運(yùn)用中會(huì)產(chǎn)生一定的偏差： The above method is an ideal way to calculate the financing amount. There will be difference in practice because of the below assumptions: 未考慮企業(yè)資本結(jié)構(gòu)因素；Not considering the structure of capital 銷售采用賒銷方式；Account sales 未考慮季節(jié)變動(dòng)性因素 Not considering the factor of seasoning,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,4、政策性風(fēng)險(xiǎn) 4. Policy risk,經(jīng)營范圍 Business scope,經(jīng)營資質(zhì) Operation qualification,特許行業(yè)標(biāo)準(zhǔn) Concessionary industry standard,風(fēng)險(xiǎn)規(guī)避措施 Means of avoiding risks,1、資質(zhì)、證照審核 Check the qualifications and licenses 2、實(shí)地考察生產(chǎn)、營運(yùn)設(shè)施 On-site check the equipment for manufacturing and operating.,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,5、擔(dān)保風(fēng)險(xiǎn) Guarantee risk 保證人的擔(dān)保風(fēng)險(xiǎn)同債務(wù)主體分析 The analysis of guarantee risk is the same as the one of debtor risk 抵質(zhì)押物風(fēng)險(xiǎn)： 風(fēng)險(xiǎn)規(guī)避措施 Guaranty risk Means of avoiding risks ？權(quán)屬 Property right ？變現(xiàn) The ability to convert to cash ？善意第三人bona fide third party,一、二還款來源的相關(guān)性 The relativity in the first and second repayment resources. 權(quán)屬證書審核 Check the proof of property right 相關(guān)部門抵質(zhì)押登記手續(xù) Legal procedure of pledge in administration,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,“5C”風(fēng)險(xiǎn)源 5C risk sources,自負(fù) Complacency,疏忽 Carelessness,溝通 Communication,意外事件 Contingencies,競爭 Competition,規(guī)避措施 Means of avoiding risks,信貸文化 Credit culture 執(zhí)行力 Executive power 教育與培訓(xùn) Training and education 考核及獎(jiǎng)懲 Performance review, reward and punishment,第二部分 短期資金授信風(fēng)險(xiǎn)分析 Part II The analysis on the credit risk of short-term capital,第三部分 短期資金授信風(fēng)險(xiǎn)控制 Part III The control on the credit risk of short-term capital,風(fēng)險(xiǎn)敞口控制 Control of risk exposure 對(duì)單一客戶、行業(yè)、地域設(shè)定最高額限制。 Set top limitation to single customer, industry and region. 風(fēng)險(xiǎn)敞口根據(jù)客戶、行業(yè)、地域的風(fēng)險(xiǎn)度水平及銀行股權(quán)資本對(duì)風(fēng)險(xiǎn)的保障程度而定。 Risk exposure depends on the risks of customers, industries and regions as well as the stock equity of the banks.,貸款風(fēng)險(xiǎn)評(píng)級(jí) Ranking of the loan risk 分析客戶及貸款的特征 Analyze the features of the customers and the loans 評(píng)估違約的可能性及預(yù)期損失。 Evaluate the the possibilities of breach and estimated loss 定性與定量分析 Qualitative and quantitative analysis,第三部分 短期資金授信風(fēng)險(xiǎn)控制 Part III The control on the credit risk of short-term capital,授信限制性條款 Credit restrictive terms,消極性限制條款 Negative restrictive terms,積極性限制條款 Positive restrictive terms,年資本支出規(guī)模限制 Restriction in annual capital investment 股利分配限制 Restriction in dividend distribution 不得在現(xiàn)有的抵押之外再行對(duì)外設(shè)定抵押 No re-pledge on current pledge 未經(jīng)銀行同意不得進(jìn)行收購、合并行為 No merge and acquisition unless agreed by the banks 出售、租賃、轉(zhuǎn)移現(xiàn)有資產(chǎn)的比例不得超過資產(chǎn)總額的一定比例 The proportion to sell, lease and transfer assets cant exceed certain percentage of total assets 高級(jí)管理層不得進(jìn)行人事變動(dòng) No personnel change in senior management 未經(jīng)銀行同意不得增加負(fù)債 No increase in liabilities unless agreed by the banks,財(cái)務(wù)指標(biāo)保持在合理的范圍內(nèi) keep financial ration in a reasonable range 財(cái)政年度結(jié)束的某一段時(shí)間之內(nèi)必須提供審計(jì)的財(cái)務(wù)報(bào)表 Must provide audited financial report within a certain period at the end of fiscal year. 對(duì)實(shí)際控制人及主要經(jīng)營者投保，受益人為銀行 Insure for the management, the beneficiary is the bank. 允許銀行定期現(xiàn)場檢查存貨、應(yīng)收帳款和其他主要資產(chǎn) Allow the banks to periodically on-site check in inventory, accounts receivable and other main assets 債務(wù)主體必須按時(shí)支付稅款和其他政府規(guī)定的費(fèi)用 Debtor should pay taxes and other expenses in time 債務(wù)主體必須將影響業(yè)績的訴訟告知銀行 Debtor must inform the bank of lawsuit which will influence the performance 債務(wù)主體必須保持資產(chǎn)的完好和修繕 Debtor must keep assets in good condition,第三部分 短期資金授信風(fēng)險(xiǎn)控制 Part III The control on the credit risk of short-term capital,第四部分 中國設(shè)備融資現(xiàn)狀 Part IV The Current Status of Equipment Financing in China,最近十年固定資產(chǎn)投資規(guī)模 Fixed assets investment in recent 10 years,單位:億元 In RMB, Hundred million,Equipment investment,Fixed assets investment,Increase in fixed assets investment,設(shè)備融資的方式 Methods of equipment finance 租賃 Leasing 分期付款 Pay by installment 銀行（抵押）貸款 Mortgage 出口買方信貸 Export buyers credit,Your Logo,第四部分 中國設(shè)備融資現(xiàn)狀 Part IV The Current Status of Equipment Financing in China,設(shè)備融資所能覆蓋的設(shè)備種類 Equipment category under equipment finance 飛機(jī) Aircraft 船舶 Ship 營運(yùn)車輛 Business vehicles 工程機(jī)械 Engineering machinery 醫(yī)療設(shè)備 Medical equipment 成套大型設(shè)備 large complete - set equipment,Your Logo,第四部分 中國設(shè)備融資現(xiàn)狀 Part IV The Current Status of Equipment Financing in China,第四部分 中國設(shè)備融資現(xiàn)狀 Part IV The Current Status of Equipment Financing in China,設(shè)備制造商 Equipment Manufacturer,租賃公司 Leasing Company,商業(yè)銀行 Commercial Bank,提供設(shè)備融資的主體 Equipment Finance Principal Parts,設(shè)備制造商 Equipment manufacturer 問題：Questions 占用自身經(jīng)營性現(xiàn)金流量 Use its own operating cash flow 信用風(fēng)險(xiǎn)難以控制 Difficult to control the credit risk 首付比例高、期限短不利于用戶資金安排 High down payment, short term which is not convenient for client to arrange the capital 改善途徑: Means of improvement 成立融資租賃公司 Set up financial leasing company 與銀行合作開展銀行按揭 Cooperate with the banks for mortgage loan,第四部分 中國設(shè)備融資現(xiàn)狀 Part IV The Current Status of Equipment Financing in China,租賃公司 Leasing company 中國租賃行業(yè)現(xiàn)狀 Current status of leasing industry in China 業(yè)務(wù)規(guī)模小 Small business scale 信用環(huán)境有待改善 Credit environment needs improving 缺乏法律和稅收等政策支持 short of policy support such as law and tax, etc.,第四部分 中國設(shè)備融資現(xiàn)狀 Part IV The Current Status of Equipment Financing in China,商業(yè)銀行 Commercial bank 對(duì)設(shè)備買方、賣方及租賃公司進(jìn)行融資 Finance among equipment seller, buyer and leasing company.,第四部分 中國設(shè)備融資現(xiàn)狀 Part IV The Current Status of Equipment Financing in China,第五部分 商業(yè)銀行設(shè)備融資方式 Part V Equipment finance of commercial bank,信貸 Credit loan 成立金融租賃公司 Set up financial leasing company 財(cái)務(wù)顧問服務(wù) Financial consultant service 代理信托產(chǎn)品發(fā)行 Agent to issue trust fund,第五部分 商業(yè)銀行設(shè)備融資方式 Part V Equipment finance of commercial bank,信用證及進(jìn)口押匯 Letter of Credit/Import Bill Advance,保函 L/G,銀行承兌 Bank acceptance,貸款 Loan,向買方提供的信貸 Credit loans provided for buyers,飛機(jī)預(yù)付款貸款 Aircraft advance payment loan 貸款金額飛機(jī)目錄價(jià)格的25% The amount of the credit: 25% of listed price 貸款期限2年，按合同約定的預(yù)付款支付進(jìn)度 Credit period: 2 years, subject to the contract 還款來源飛機(jī)交付后，以飛機(jī)抵押進(jìn)行融資 Repayment resource: when the aircraft is submitted,the pledging of aircraft to get loan. 貸款前提 premises to get loan 已簽定購買協(xié)議，且已支付1%的訂金 Already signed the purchase agreement, and paid 1% as subscription 銀行、客戶、制造商三方簽定回購及轉(zhuǎn)讓飛機(jī)購買權(quán)協(xié)議 Already signed the agreement of redemption and transfer right of the aircraft 第三方擔(dān)保 The third-party guarantee,第五部分 商業(yè)銀行設(shè)備融資方式 Part V Equipment finance of commercial bank,向賣方提供的信貸 Credit provided to the seller 固定資產(chǎn)項(xiàng)目貸款 Fixed asset loan 流動(dòng)資金貸款和銀行承兌匯票 Current capital loan and bank acceptance 預(yù)付款保函 Advance payment guarantee 進(jìn)口信用證 Import L/C,第五部分 商業(yè)銀行設(shè)備融資方式 Part V Equipment finance of commercial bank,船舶融資重要節(jié)點(diǎn) Important sections of ship finance,船舶融資品種 Ship finance,船東付 款進(jìn)度 Payment schedule of the Owner,20%,20%,20%,20%,20%,船廠銀行開立 預(yù)付款保函 Open advance guarantee by ship manufacturer and bank,80%,第五部分 商業(yè)銀行設(shè)備融資方式 Part V Equipment finance of commercial bank,向租賃公司融資 Financing from leasing company 應(yīng)租賃的受讓 Leasing tranfer 流動(dòng)資金貸款 Current capital loan 按揭貸款 Mortgage loan 提供擔(dān)保 Provide guarantee,第五部分 商業(yè)銀行設(shè)備融資方式 Part V Equipment finance of commercial bank,租賃公司,供應(yīng)商 Supplier,承租人,簽訂租賃協(xié)議 Sign leasing contract,選購設(shè)備 交貨及驗(yàn)收,購買租賃物,向租賃公司融資 Financing from leasing company,商業(yè)銀行,支付租金 Pay the rent,按照單筆租賃協(xié)議發(fā)放貸款 Issue loan according to the contract,按照租金收取進(jìn)度還款 Repayment to banks according to the rent payment schedule,第五部分 商業(yè)銀行設(shè)備融資方式 Part V Equipment finance of commercial bank,Commercial bank,Purchase leased property,Leasing company,Lessee,Choose and buy the equipment, deliver, check and accept the goods,成立金融租賃公司 Set up financial leasing company 金融租賃公司管理辦法(修訂)相關(guān)規(guī)定: Measures for the Administration of Financial Leasing Companies (revised) 商業(yè)銀行可作為出資人 Commercial bank could be the contributor of a financial leasing company 最低注冊資本金1億元人民幣或等值外幣 The minimum registered capital of a finance leasing company is 100 million yuan or any freely convertible currency with equivalent value 滿足8的資本充足率； its capital adequacy ratio is not lower than 8%; 可吸收股東一年期（含）以上定期存款，向商業(yè)銀行轉(zhuǎn)讓應(yīng)收租賃款； to absorb time deposits