1. Credit strategy of hotel catering financial leasing.
With the development of social economy and the improvement of people's consumption level, the hotel catering industry plays an increasingly important role in the national economy. However, this industry is generally facing financial pressure from equipment procurement, decoration and upgrading, talent training and other aspects. As a financial tool, financial leasing provides a new financing channel for hotel and catering enterprises. This article will ** how to make hotel catering credit through financial leasing to promote the development of the industry.
Second, the credit model of hotel catering financial leasing.
Direct finance lease.
Direct financial leasing refers to a leasing method in which the lessor purchases the equipment designated by the lessee according to the requirements of the lessee, and then leases it to the lessee for use. Under this model, the hotel and catering business can use the lessor's funds to purchase the required equipment, such as kitchen equipment, restaurant furniture, etc., and pay the rent during the lease period. At the end of the lease term, the company can purchase the equipment at the residual value.
Sale and leaseback. Sale and leaseback refers to a leasing method in which the lessee gives the existing assets to the lessor, and then leases them back from the lessor. This model can help hotel and catering enterprises revitalize their assets and provide cash flow support for enterprises.
Operating leases.
Operating lease refers to a leasing method in which the lessor purchases equipment according to the requirements of the lessee and leases it to the lessee for use within a certain period of time. The lessee pays the rent during the lease period, and after the lease expires, the equipment becomes the property of the lessee. This model can help hotel and catering enterprises reduce the initial investment cost and improve the speed of equipment update.
3. Credit risk control of hotel catering financial leasing.
Tenant credit assessment.
When carrying out financial leasing business, the lessor needs to evaluate the credit of the lessee. The assessment includes the lessee's business status, financial status, credit history, etc. Through scientific credit evaluation, the financing risk can be effectively reduced.
Risk control of leased property.
Leased property is the core of the financial leasing business. Lessors need to choose equipment with reliable quality and stable performance to ensure the normal use of lessees and the ability to pay rent. In addition, the lessor also needs to evaluate the value of the leased property to ensure that the value of the leased property matches the rent.
Rent payment management.
Rent payment is an important part of the financial leasing business. The lessor needs to establish a sound rent payment management system to ensure that the lessee pays the rent on time and in full. In the case of late payment of rent, the lessor needs to take timely measures to collect and deal with it.
Fourth, case analysis and application.
Suppose a hotel catering company needs to update its kitchen equipment, but due to high financial pressure, it is unable to make a one-time payment for the equipment. By cooperating with a financial leasing company, the company adopts the direct financial leasing model to obtain the purchase funds of the required equipment and pays the rent on time during the lease period. At the end of the lease term, the business can choose to purchase the equipment at the residual value or choose to continue the lease. In this way, the company successfully solved the problem of financial pressure and improved the update speed and quality of kitchen equipment.
V. Conclusions and Recommendations.
Hotel catering financial leasing is an effective financial tool, which can help enterprises solve the problem of financial pressure and improve the speed and quality of equipment renewal. In practical application, it is recommended that enterprises choose the appropriate financial leasing model according to their own needs, and strengthen communication and cooperation with lessors to ensure the smooth development of financial leasing business. At the same time, the relevant departments can introduce relevant policies to support the development of financial leasing business and provide more convenient financing channels for the hotel and catering industry.