What are the product models of financing lease for new energy vehicles?

The traditional business model of new energy vehicles is mainly automobile sales model, and consumers need to buy bare cars and batteries at the same time, which is not conducive to market promotion. The leasing model is a short-lived business model focusing on new energy vehicles. Consumers buy bare cars from new energy automobile manufacturers and complete a series of supporting services such as battery leasing, charging, maintenance and replacement through battery leasing companies. According to the successful cases of new energy vehicle financial leasing business, the product models of new energy vehicle financial leasing can be summarized into the following categories.

First, the sale and leaseback mode

The finance leasing company buys the customer's existing vehicle at the price negotiated with the customer, and then leases the vehicle back to the customer in the form of long-term lease. At the same time, provide customers with necessary services. This operation mode can not only reduce the burden of customers on vehicle management, but also reduce the proportion of fixed assets, reduce the occupation of funds, and achieve the effect of tax saving to some extent. At present, the financial leasing business of new energy vehicles is mainly based on sale and leaseback.

Second, the entrusted lease law

For manufacturers or distributors, this is a tax-saving financial leasing method. Financial leasing companies accept the entrustment of automobile manufacturers or dealers to lease new energy vehicles to consumers. The financial leasing company plays the role of trustee in this process, collecting rent and paying related taxes on behalf of customers, and does not own the ownership of the vehicle, so it does not bear risks. The profit model is mainly to charge related fees.

Third, direct leasing.

Direct lease is a kind of financial lease for the purpose of ownership transfer. The financing leasing company purchases the designated new car according to the requirements of consumers, signs a financing lease contract with consumers, and transfers the ownership of the vehicle to consumers after leasing for a period of time. At the beginning of the lease, the lessee, the consumer, must pay a deposit of 20-30% and a handling fee of 3-5%. With the rise of financial leasing business, new energy automobile companies have started business cooperation with financial leasing companies. The purpose is to complete the operation of new energy vehicles by three parties (bus companies, leasing companies, end consumers, etc.). ): Charging and replacing power station operators, financial leasing companies and consumers. ), through the financial leasing business to achieve "separation of vehicles and electricity." Bare cars are purchased by financial leasing companies, batteries are invested and purchased by charging and replacing power station operators, and the whole car is leased to consumers. Bus companies or taxi companies can get income from vehicle operation.