易博平台

为什么融资租赁更适合分布式光伏发电?
栏目:行业动态 发布时间:2019-09-11 15:43

                                                                                                                                                                (来自:UP光伏屋顶地图

shouxianzuoweijinrongjiede“shabaitian”,xiaobiancongyikaishifanfuwenlezhongduojinrongxueba,suowei“rongzizulin”daodishishenme?

shouxian,rangwomenyiqikankanduniangduiyurongzizulindezhuanye(kanbudong)jieshi:

rongzizulinshizhichuzurengenjuchengzurenduizulinwujiandetedingyaoqiuheduigonghuorendexuanze,chuzixianggonghuorengoumaizulinwujian,bingzujichengzurenshiyong,chengzurenzefenqixiangchuzurenzhifuzujin,zaizulinqineizulinwujiandesuoyouquanshuyuchuzurensuoyou,chengzurenyongyouzulinwujiandeshiyongquan。

zuqijieman,zujinzhifuwanbibingqiechengzurengenjurongzizulinhetongdeguidinglvxingwanquanbuyiwuhou,duizulinwudeguishumeiyouyuedingdehuozheyuedingbumingde,keyixieyibuchong;bunengdachengbuchongxieyide,anzhaohetongyouguantiaokuanhuozhejiaoyixiguanqueding,rengranbunengquedingde,zulinwujiansuoyouquanguichuzurensuoyou。

易博平台 ranhou,zailaiyiqiyanduxiaxiaobianduicideshenke(shuorenhua)jieshi:

易博平台 gebilaowangzuijinxiangjizijiadechangfangwudinganzhuangtaiyangnengfadianxitong,jianshaodianfeizhichuchengben,keshizitouxuyaoyixiazinachujishiwandezijin,laowangxifujuedexinteng,yincijiuzhaodaoleyourongzizulinpaizhaodeqiyea,xiwangagongsikeyichuqianjizijidewudinganzhuangzheitaoxitong,ranhouchuzujilaowangshiyong,laowangzeanzhaojiduxiangagongsizhifubenjinjialixidezujin。zheiyanggebilaowangjiuzhichulezujinjiuyongshangletaiyangnengfadianxitong,eragongsidezijinyeyongzailetouzishang,guolezulinqiyihou,agongsikeyixuanzejiangxitongmaijilaowang,yekeyimaijibieren。zheizhongfangshiduiyulaowanglaishuojiushiyizhongrongzixingwei,eragongsizejianjiediweilaowangtigonglefazhanzijin。

xianzai,buguanshizhishangpobaihaishigangjigedeniyinggaimingbai“rongzizulin”leba,neimejiexialairangwomenjixushenruxiaqu。

易博平台 shouxianxianrangwomenyiqilailejieyixiarongzizulinheyinxingdaikuandeyoulieduibi

rongzizulinderongzichengbenyuyinxingdaikuanderongzichengbenxiangbi

1、融资利息是由租赁占用资金乘以租赁利率构成

muqian,rongzizulindelilvyuyinxingdaikuandelilvjibenxiangsi,doushizairenminyinxingjizhundaikuanlilvdejichuzhishang,genjugeziyinxing(gongsi)deshijiqingkuang,caiquyidingfududefudong。

2、融资租赁与银行贷款一样,都是采取“利随本清”的利息计算方式

zheizhongfangshijiushianzhaokehuduijieruzijindeshijizhanyongshijian,jisuankehuyingzhifudelixi。yejiushishuo,kehuchanghaibufenzijinhou,suizheshijizhanyongyinxing(gongsi)zijindejianshao,kehusuozhifudelixiyehuisuizhijianshao。congzheiyidianeryan,rongzizulinyuyinxingdaikuanshiyiyangde。

3、融资租赁要收取15-30%左右的保证金(按“整存整取定期存款利率”计息,一般在2.25~3.6%),这使许多客户深感压力

qishi,yinxingzaidaikuanzhiqian,genju“cunyidaisan”deyuanze,tongyangyeyaobianxiangshouqukehu30%zuoyoudecunkuan(an0.36%dehuoqililvjixi)。liangzhexiangbi,kehuzaiqudeyinxingdaikuanzhong,cunfangzaiyinxingdecunkuanchengben,yaoyuangaoyurongzizulindebaozhengjinchengben。

4、融资租赁与银行贷款相比,主要是多收取了服务费与名义货价

易博平台 fuwufeishizulinjinechengyifuwufeilv,mingyihuojiashizulinjinechengyimingyihuojialv。fuwufei,shizaixiangmushishichuqiyicixingshouqude,genjunianxianshouqu1~3.5%,qishianpingjunmeinianjisuan,yezhishimeinianzhishouyue1%eryi。ermingyihuojiazeshizaixiangmujieshushizhishouquyici,yibanzhizhanzulinjinede0.5~1%。erqieruguokehunenggouanshichanghaizujin,zulingongsihaikeyijiangmingyihuojiagaiweiyiyuan。

融资租赁能够加速折旧,银行贷款不能税前还贷

1、融资租赁能够享受“加速折旧”的优惠政策

易博平台 genjucaizhengbu〈caigongzi[1996]41hao〉“guojiashuiwuzongjuguanyucujinqiyejishujinbuyouguancaiwushuishouwentidetongzhi”zhongdisitiao,disankuanguiding:“qiyejishugaizaocaiqurongzizulinfangshizurudejiqishebei,zhejiunianxiankeanzulinqixianheguojiaguidingdezhejiunianxianshuduandeyuanzequeding,danzuiduanzhejiunianxianbuduanyusannian。”zheiyang,qiyejiukeyitongguorongzizulinfangshi,zaisannianyineijiangyuanyoushebeijiasuzhejiu。erjiasuzhejiuzehuizaijiaoduanqixianneixiangyingzengjiaqiyedejingyingchengben,zaochenglirunexiajiang,congerjianshaodangnianshangjiaodesuodeshuijine。

2、银行贷款的“税前还贷”优惠政策已被取消

易博平台 zaiyinxingdaikuanzhong,chulelixibufenkeyilierucaiwufeiyongwai,qidaikuanbenjinyilvbunenglieruchengben。“shuiqianhaidai”dezhengce,zaozai1994nianshuizhigaigehou,jiuyijingchedifeichule。kehudeyinxingdaikuan,zhinengzaijiaonasuodeshuiyihou,yongqiyeliuyonglirunhuoqitaziyouzijinlaiguihai。

3、融资租赁成本与银行贷款成本的综合比较

jiasheyigekehu,zongzichanguimo1yi,chanshengshuiqianlirun1000wan,dangnianyingjiaonasuodeshui250wan。

ruguokehuzongzichanzhongdeyitaojiazhi1000wandeshebeixixiangyinxingdaikuande,neijiuzhinengzaijiaona250wansuodeshuiyihou,zaiyongshuihoulirunquzhubuchanghaiyinxingdedaikuan。

ruguokehuzongzichanzhongdeyitaojiazhi1000wandeshebeicaiqurongzizulinfangshi,zekeyijiangzulinzichan1000wan,anzhaosannianjiasutiquzulinzichandezhejiu,meiniantiqu316.67wandezhejiufeiyong,bizhengchangzhejiuduotiqu221.67wan。congershimeinian1000wandelirunejiangzhi778.33wan,qiyean778.33wandelirunejiaonasuodeshui194.58wan,biyuanlaishaojiaona55.42wan。

易博平台 ruguojiangzulinzichan1000wan,anzhaoernianjiasutiquzulinzichandezhejiu,meinianjiangtiqu475wandezhejiufeiyong,bizhengchangzhejiuduotiqu380wan。congershimeinian1000wandelirunejiangzhi620wan,qiyean620wandelirunejiaonasuodeshui155wan,meinianbiyuanlaishaojiaona95wan。ruguojiangzulinzichan1000wan,anzhaoyinianjiasutiquzulinzichandezhejiu,dangnianjiangtiqu950wandezhejiufeiyong,bizhengchangzhejiuduotiqu855wan。congershidangniandelirunejiangzhi145wan,qiyean145wandelirunejiaonasuodeshui36.25wan,dangnianbiyuanlaishaojiaona213.75wan。

4、发挥融资租赁税收优势的前提

①bixudedaodangdishuiwubumendelijiehezhichi。rongzizulinjubeimingxiandeshuishouzhengcediaojiezuoyong。suoyi,rongzizulingongsikaizhanrongzizulinyewushi,bixujieshoudangdishuiwubumendejianduheguanli。shouxianrongzizulingongsizaixuanzezulinkehushi,yaofuhedangdizhengfufazhanzhengcededaoxiang,yaoyouxianxuanzedangdicaishuibumenzhichideshuishoudahu,yaojijipeihedangdicaishuibumenshuishouzhengcedeluoshi。

易博平台 ②qiyebixuyouzugoudejingjishilihelirune。qiyejuyouqiangdadejingjishilihezugoudelirunjine,bujinshiweilebimianzulinzijindefengxian,gengshishiqiyenenggouzhenzhengxiangshoudaorongzizulinzhongdeshuishouyouhui。yinwei,zhiyouqiyeyouzugoudelirunjine,caiyoukenengtongguojiasuzhejiu,laixiaohuagengduodefeiyongchengben,congerdadaojianshaolirune、jianshaoyingjiaosuodeshui。fouze,jiasuzhejiuzhihuizaochengqiyegengdadekuisun。suoyi,lirunweibohuomeiyoulirundeqiye,maorancaiyongrongzizulinfangshizaochengjiasuzhejiu,zezhinengshi“yinjiuzhike”。

5、融资租赁不是减免税收,而是缓交税收

qiyecaiyongrongzizulinyewu,tongguojiasuzhejiufangshi,queshijianshaoledangnianshangjiaosuodeshuidejine。danshi,zheibingbudengyushijianmiansuodeshui。chongqiliangzhinengshiyizhonghuanjiaosuodeshuidexingwei。yinwei,qiyezaiqiansannianshaojiaonadesuodeshui,huizaiyihoushunianneirushubujiaojishuiwubumen。liru,ruguoqiyezaisannianneijiangshebeizichanquanbuzhejiuwanle,neimezaiyihoudeshunianzhong,qiyejiangwudaijiadeshiyongzheixieshebeizichanjinxingshengchanjingying,suochanshengdejingyingshouruyewuxuzaitiquzhejiu。yinci,zheishidejingyinglirunjiuhuidafuduzengjia,qiyejiaonadesuodeshuie,yejiuhuixiangyingdedafuduzengzhang。

6、融资租赁优惠政策的最大收益者是企业

易博平台 suiranjiasuzhejiudeshuishouyouhuizhengce,keyiyouxiaodecujinrongzizulinyewudetuiguang。danshi,bingbukenengjirongzizulingongsidairenhezhijiedejingjixiaoyi。

易博平台 yishangshuolezheimeduo,nishibushidagailejielerongzizulinyuyinxingdaikuanzhijiandechayixingyuyoulieshile,neimexianzai,zhijieshenrudaoguangfuxingye,yiqikankanguangfurongzizulinyuguangfudaikuanzaishijiyunyongzhongdexiangxiduibi:yezhuajihuaweizijideqiyeanzhuangyitao300kwdeguangfufadianxitong,ertaxuanzedejinrongfangshishirongzizulindemoshi,fuwushangshishanghaiyijiaqiyebweiqitigongjinrongjiejuefangan。

易博平台 bgongsizuoweifenbushinengyuanfangantigongshang,yujuyourongzizulinpaizhaodecgongsihezuo,gongtongweikehutigongguangfurongzizulinjiejuefangan。anzhao10kwrongliangdeguangfuxitongjisuan,zhengtianzhuangjishebeizongfeiyongwei135wanyuan,yezhuacaiquleguangfurongzizulindemoshizhihou,shouxianxuyaoweizhenggexitongzhifuyidingdeanzhuangfeiyong,zheishiyinweizaiguangfuxiangmuzhong,shebeishizuoweirongzizulindezhuti,dananzhuangwufajisuanrunei,yincihuianzhaozongxiangmude80%jinxingrongzizulin,yezhuazaixiangmukaishiqianxuyaozhifuyidingdeanzhuangfeiyong,zhihouzhiyaodengdaibgongsishangmenanzhuangbingwangzhihou,yezhuajiuanzhaojiduzhifubenjinhelixijibgongsi,anzhaozulinqi5nianjisuan,5niandaoqizhihou,yezhuakeyixuanzegoumaixitongjixushiyong。

zaizhenggerongzizulinguochengzhong,yezhubuxuyaotigongrenhediya,junyoukehuhefuwushangbgongsigongtongzuodanbao。

yixiaweicankaoshuju:

易博平台 xianzai,nizhidaoguangfurongzizulinheguangfudaikuanzhijiandechajuleba,suiranbushihenda,danshengzairongzizulinmoshidezulinchengbendi,wuxudiya,yongdianfeiyangdianzhan,jihumeiyuebuzengjiachengbendeqingkuangxia,yongdianfeiwunianyangleyigenengfadiandeyinchaoji,zheishizaishitaihuasuanle。

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