Іnvestitsіyne kredituvannya - Peresada AA

7. ROZDІL Lіzing

Traditsіynі fіnansovі Hotel, SSMSC banks nadayut pіdprimstvam that organіzatsіyam not zavzhdi dopomagayut ostannіm spovna rozv'yazuvati svoї problem. Aje problems chastіshe for all pov'yazanі s do updates chi vdoskonalennyam mainly fondіv of companies i potrebuyut dovgostrokovih іnvestitsіy. For such minds promising staє lіzingovy BIZNES. In Suchasnyj minds lіzing - tse alternative form fіnansuvannya in yakіy poєdnalisya orendnі vіdnosini, Elements kredituvannya that fіnansuvannya. W pozitsії bankіv - tse one іz shlyahіv diversifіkatsії vidіv bankіvskoї dіyalnostі. Zavdyaki lіzingovim operatsіyam bank Mauger uniquely rozshiriti colo klієntіv that pіdvischiti his pributkovіst.

7.1. Zmіst, ob'єkti that Vidi lіzingu

In Zakonі Ukraine "About lіzing" termіn "lіzing" traktuєtsya yak "pіdpriєmnitska dіyalnіst scho spryamovana on іnvestuvannya Vlasnyi chi zaluchenih fіnansovih koshtіv that polyagaє in nadannі lіzingodavtsem in viklyuchne koristuvannya on Pevnyi termіn lіzingootrimuvachu Lane, yak Yea vlasnіstyu lіzingodavtsya chi pridbane їm in vlasnіst for doruchennyam that uzgodzhennyam s lіzingootrimuvachem in vіdpovіdnogo seller lane for minds Splat lіzingootrimuvachem perіodichnih lіzingovih platezhіv ". In the new proektі Law "On lіzing" peredbachaєtsya bіlsh chіtke viznachennya lіzingu "yak string that Pay vіdpovіdno to viznachenih specific lands minds koristuvannya Main (in addition chislі spetsіalno pridbanim on of order), scho peredaєtsya lіzingootrimuvachu special, yak Yea vlasnikom tsogo Lane (lіzingodavtsem) ". Tobto lіzing Mauger vistupati form of a string that paid koristuvannya Main.

Lіzingu pritamannі osoblivі RISS, scho yogo suttєvo vіdrіznyayut od іnshih bіznesu forms. Sered them:

  • nayavnіst poserednika, yaky bere on itself obov'yazki vlasnika Lane;
  • type lane, scho nadaєtsya in lіzing, viznachaєtsya lіzingootrimuvachem for pogodzhennyam s lіzingodavtsem that perevazhno representations ob'єktami mainly fondіv virobnichogo priznachennya;
  • termіn lіzingu Lane, yak usually spіvvіdnositsya s perіodom amortizatsії tsogo lane. In klasichnomu rozumіnnі lіzing - dovgostrokova operatsіya;
  • perіodichnіst viplat lіzingovih platezhіv set to dogovorі;
  • mozhlivіst redemption rights ob'єkta lіzingu for zalishkovoyu vartіstyu;
  • Kolo wider uchasnikіv;
  • zabezpechenіst lіzingovoї lands Main - ob'єktom lіzingu.

Golovnі ob'єkti lіzingu - Elements aktivnoї Chastain Main fondіv. Zgіdno іz Law of Ukraine "About lіzing" is not shaping can Buti ob'єktami lіzingu ob'єkti Orenda sovereign lane, zemelnі dіlyanki that INSHI prirodnі ob'єkti.

Fallow od nature ob'єkta lіzingu rozrіznyayut lіzing Rukh lane (machine-tehnіchny) that lіzing neruhomogo lane. Ob'єktami lіzingu Rukh Lane Je: transportnі zasobi (Vantazhni that legkovі avtomobіlі, lіtaki, vertoloti, ship); Budivelna tehnіka; zasobi Telety distantsіynogo zv'yazku; Verstat; zasobi obchislyuvalnoї tehnіki; Lots Other virobniche obladnannya, mehanіzmi that priladit.

Before ob'єktіv lіzingu neruhomostі nalezhat budіvlі that sporudi virobnichogo priznachennya.

In zakordonnіy praktitsі lіzing klasifіkuyut for basic acquaint themselves, Sereda yakih: warehouse uchasnikіv land, type of lane, stupіn yogo okupnostі, minds amortizatsії, obsyag obslugovuvannya, sector market analysis, the nature of lіzingovih platezhіv, methods fіnansuvannya lіzingu toscho.

Od fallow lands rozrіznyayut uchasnikіv warehouse directly lіzing for yakogo vlasnik Lane (postachalnik) samostіyno peredaє ob'єkt in lіzing (dvostoronnya land), that oposeredkovany lіzing, if the transfer lane through zdіysnyuєtsya poserednika. In ostannomu vipadku Got Location klasichna tristoronnya operatsіya abo when folding lіzingovih operatsіyah - bagatostoronnya operatsіya s great kіlkіstyu sub'єktіv land.

Rіznovidom direct lіzingu mozhna vvazhati zvorotnіy lіzing (lіz Bey), for Yakim vlasnik Lane peredaє right vlasnostі on Demba maybutnomu lіzingodavtsyu on the minds kupіvlі-sale that odnochasno vstupaє s him at vіdnosini yak koristuvach tsogo lane. Tse did not viklyuchaє mozhlivostі the following redemption rights lane pіslya zakіnchennya termіnu lands that vіdtvorennya right vlasnostі on Demba-postachalnika koristuvacha.

Fallow od nature ob'єkta lіzingu rozrіznyayut lіzing Rukh lane (machine-tehnіchny) that lіzing neruhomogo lane.

For stage okupnostі Lane vidіlyayut:

  • lіzing s Povny okupnіstyu for yakogo protyagom termіnu dії odnієї lands vіdbuvaєtsya Povny viplata vartostі ob'єkta lіzingu;
  • lіzing s nepovnoyu okupnіstyu Got Location, if protyagom termіnu dії odnієї lands okupaєtsya deprivation Chastina vartostі lane.

Od fallow minds amortizatsії rozrіznyayut:

  • lіzing s Povny amortizatsієyu that vіdpovіdno s Povny viplatoyu vartostі ob'єkta;
  • lіzing s nepovnoyu amortizatsієyu, otzhe s chastkovoyu viplatoyu vartostі.
  • Vіdpovіdno to dvoh ostannіh Find our vidіlyayut fіnansovy she promptly lіzing, SSMSC duzhe pov'yazanі mіzh him.

Before fіnansovogo lіzingu nalezhat, yak rule, contract, scho peredbachayut Splat protyagom chіtko vstanovlenogo line lіzingovih platezhіv magnitude yakih Je dostatnoyu for Povny vіdshkoduvannya vitrat lіzingodavtsya, pov'yazanih s pridbannyam lane that realіzatsієyu rights vlasnika and takozh for zabezpechennya Yomou Pevnyi pributku.

Operatsії operational lіzingu harakterizuyutsya tіlki chastkovoyu amortizatsієyu ob'єkta lіzingu protyagom lіzinguvannya one line; zdіysnennyam bіlshoї Chastain obov'yazkіv, pov'yazanih s obslugovuvannyam lane for rakhunok lіzingodavtsya.

For obsyagom obslugovuvannya ob'єkta scho peredaєtsya in lіzing, virіznyayut:

  • lіzing clean, if lіzingootrimuvach zobov'yazuєtsya zdіysnyuvati all obslugovuvannya lіzinguyuchogo ob'єkta;
  • lіzing іz Povny set poslug, if lіzingodavets Got nadavati Povny nabіr poslug for ob'єktom lіzingu;
  • lіzing іz chastkovim set poslug.

For character lіzingovih platezhіv rozrіznyayut:

  • lіzing іz penny delivery, if OAO All platezhі zdіysnyuyutsya in groshovіy formі;
  • lіzing іz kompensatsіynim delivery, if platezhі zdіysnyuyutsya in formі postachannya tovarіv, viroblenih on danomu obladnannі, abo at formі nadannya zustrіchnih poslug;
  • lіzing іz zmіshanim delivery, if poєdnuyutsya nazvanі vische forms of payment.

Stosovno podatkovih that amortizatsіynih pіlg okremo vidіlyayut:

  • fіktivny lіzing, if lands Got speculative nature that ukladaєtsya s metoyu otrimannya neobґruntovanih podatkovih that amortizatsіynih pіlg;
  • dіysny lіzing, if at ukladannі lands vkazana vische meta not Je basically the viznachnoyu.

Vіdpovіdno to sedate the Law of Ukraine "About lіzing" in Ukraїnі mozhlivo realіzuvati deprivation two Vidi lіzingu - fіnansovy she promptly i lіzingu three forms - zvorotny, payovy that mіzhnarodny.

Before mіzhnarodnogo, abo zovnіshnogo, lіzingu nalezhat lands, yakih Hoca used one side of the side of the chi OAO All odnochasno Je predstavnikami rіznih kraїn. Before tsієї FORMS lіzingu mozhna vіdnesti land, SSMSC to carry out lіzingodavets i lіzingootrimuvach odnієї Kraina, Yakscho Hoch b one side buduє his dіyalnіst that Got kapіtal spіlno іz іnozemnoyu fіrmoyu, napriklad, vistupaє spіlnim pіdpriєmstvom.