finance lease; financial lease

简明释义

金融租赁

英英释义

例句

1.Many startups prefer a finance lease 融资租赁 to acquire necessary technology without large upfront costs.

许多初创公司更喜欢通过融资租赁 finance lease来获取必要的技术，而不需要大额的前期费用。

2.The company decided to enter into a finance lease 融资租赁 for new machinery to preserve cash flow.

公司决定为新机器设备签订一份融资租赁 finance lease，以保持现金流。

3.When considering a financial lease 金融租赁, it's important to analyze the total cost of ownership.

在考虑金融租赁 financial lease时，重要的是分析总拥有成本。

4.A finance lease 融资租赁 allows businesses to use equipment without owning it outright.

通过融资租赁 finance lease，企业可以在不完全拥有设备的情况下使用它。

5.Under the financial lease 金融租赁, the lessee has the option to purchase the asset at the end of the term.

根据这份金融租赁 financial lease，承租方可以在租期结束时选择购买资产。

作文

In the modern business environment, companies are constantly seeking ways to optimize their financial resources. One popular method is through the use of leasing, specifically the concept of a finance lease or financial lease. These terms refer to a type of lease agreement that allows businesses to acquire equipment or property without the need for a large upfront investment. In this essay, I will explore the characteristics, benefits, and implications of finance leases and financial leases in the context of corporate financing strategies.A finance lease is essentially a long-term rental agreement where the lessee (the party renting the asset) pays for the use of an asset over a specified period. The ownership of the asset typically remains with the lessor (the party providing the asset), but the lessee has the right to use it as if they owned it. This arrangement is particularly advantageous for businesses that may not have the capital to purchase expensive equipment outright, such as machinery, vehicles, or technology.One of the primary benefits of a financial lease is that it allows companies to preserve their cash flow. Instead of tying up funds in a purchase, businesses can allocate their resources to other areas, such as research and development, marketing, or operational expenses. This flexibility can be crucial for small and medium-sized enterprises that operate on tight budgets and need to maintain liquidity.Additionally, finance leases often come with tax advantages. Lease payments are generally considered a business expense, which can be deducted from taxable income. This can result in significant savings for a company, making leasing an attractive option compared to purchasing assets outright. Furthermore, many financial leases include maintenance and service agreements, which means that the lessor is responsible for any repairs or upkeep. This can further reduce the financial burden on the lessee and allow them to focus on their core business operations.However, it is essential to note that there are some drawbacks to finance leases. For instance, at the end of the lease term, the lessee may have limited options regarding the asset. They might have to return it, purchase it at a predetermined price, or negotiate a new lease. This lack of ownership can be a disadvantage for companies that prefer to have full control over their assets.Moreover, financial leases can sometimes lead to higher overall costs compared to outright purchases. Over the duration of the lease, the total payments made can exceed the asset's purchase price, especially if the lease term is extended. Therefore, businesses must carefully evaluate their needs and financial situation before entering into a lease agreement.In conclusion, finance leases and financial leases represent valuable financing tools for businesses looking to manage their cash flow and acquire necessary assets without significant upfront costs. While they offer various advantages, such as tax benefits and reduced maintenance responsibilities, companies must also consider the potential downsides, including the lack of ownership and potentially higher overall costs. By thoroughly assessing their financial strategies and operational needs, businesses can make informed decisions about whether to pursue a finance lease or financial lease as part of their growth strategy.

在现代商业环境中，公司不断寻求优化其财务资源的方法。一个流行的方法是通过租赁，特别是融资租赁或金融租赁的概念。这些术语指的是一种租赁协议，允许企业在不需要大额前期投资的情况下获得设备或财产。在本文中，我将探讨融资租赁和金融租赁的特征、好处以及在企业融资策略中的影响。融资租赁本质上是一种长期租赁协议，承租人（租用资产的一方）在指定期限内支付使用资产的费用。资产的所有权通常仍归出租人（提供资产的一方）所有，但承租人有权像拥有该资产一样使用它。这种安排对于那些可能没有资本足以一次性购买昂贵设备的企业尤其有利，例如机械、车辆或技术。金融租赁的主要好处之一是它允许公司保持现金流。企业无需将资金锁定在购买中，可以将资源分配到其他领域，如研发、市场营销或运营开支。这种灵活性对于运营预算紧张的小型和中型企业至关重要，它们需要保持流动性。此外，融资租赁通常带有税收优势。租赁支付通常被视为商业支出，可以从应税收入中扣除。这可以为公司带来显著的节省，使得租赁成为相比于直接购买资产的有吸引力的选择。此外，许多金融租赁包括维护和服务协议，这意味着出租人负责任何维修或保养。这可以进一步减轻承租人的财务负担，使他们能够专注于核心业务运营。然而，必须注意的是，融资租赁也有一些缺点。例如，在租赁期结束时，承租人可能对资产的选择有限。他们可能不得不归还资产，以预定价格购买它，或谈判新的租约。这种缺乏所有权对那些希望完全控制其资产的公司来说可能是一个劣势。此外，与直接购买相比，金融租赁有时可能导致更高的整体成本。在租赁期间，支付的总额可能超过资产的购买价格，特别是在租赁期限延长的情况下。因此，企业在签订租赁协议之前必须仔细评估其需求和财务状况。总之，融资租赁和金融租赁代表了企业在管理现金流和获取必要资产而无需大量前期成本方面的宝贵融资工具。虽然它们提供了各种优势，例如税收优惠和减少维护责任，但公司还必须考虑潜在的缺点，包括缺乏所有权和可能更高的整体成本。通过全面评估其财务策略和运营需求，企业可以就是否将融资租赁或金融租赁作为其增长战略的一部分做出明智的决定。