A Research On Rent Pricing Model Of GH Financial Leasing Company

The financial leasing industry originated in the United States in the 1950 s.As a new financial instrument integrating trade,financing and leasing,financial leasing develops rapidly with its unique advantages and becomes the second largest financing mode in the global financial market after bank credit.Financial leasing has been introduced into our country since 1980 s.It has gone through many twists and turns in the development process of nearly 40 years,and only at the beginning of the 21 st century has it stepped into the road of healthy development.In 2018,the regulatory responsibility of China’s financial leasing industry was transferred from the Ministry of Commerce to the Insurance Regulatory Commission of the Bank of China.The issuance of the Interim Measures for the supervision and management of financial leasing companies(Draft for comments)also means that the financial leasing industry has entered an era of strong supervision and standardized operation in China.However,with the rapid development of the financial leasing industry and the gradual standardization of business supervision,the pricing of financial leasing has not yet formed a unified system and standard in practice.Financial leasing companies,especially emerging financial leasing companies,generally lack a scientific and effective pricing mechanism,which restricts their development and growth.This paper first summarizes the definition and business model of financial leasing,expounds the development process and current situation of financial leasing industry in China,introduces the basic theory of financial leasing pricing,then analyzes the characteristics of financial leasing pricing,compares and evaluates the advantages and disadvantages of current financial leasing pricing methods,and puts forward the existing problems in financial leasing pricing practice and the key points to be considered Factors considered.On this basis,in view of GH financial leasing company’s arbitrary pricing and lack of scientific and effective pricing mechanism,based on the company’s development status,this paper constructs a financial leasing pricing model suitable for practical application from three aspects of capital cost,customer risk and business synergy,and verifies the financial leasing pricing model in practice through three representative typical cases in the company Rationality and applicability in application.Through the research of this paper,it provides a feasible scheme for GH financial leasing company in the practical operation of rent pricing,and provides a certain reference for the pricing research of financial leasing industry,especially for the practical application of pricing methods of emerging financial leasing companies.