Abstract: Financial lease, as a kind of financial innovation product, is characterized by the following 3 transaction behaviors like trade, leasing, and finance. Its package pricing generally takes account of such elements as subject of financial lease, lease, rental rate, margin, fee, purchasing price and so on. This paper makes an empirical research into the effect of financial lease pricing on different industry, and the flexibility of the rent payment by using all the pricing schemes of a certain Financial Leasing Co., LTD. for five consecutive years. Results show that the financial lease pricing fails to fully take account of differences in industry, and the rent payment is rigid. Therefore, it is of great necessity to standardize and perfect China’s current financial lease industry pricing mechanism.

Key words: financial lease, industry differences, rental payment

摘要： 融资租赁作为一种金融创新产品,具有贸易、租赁、融资三种交易行为特征,其定价一般采取的是综合方案,需要考虑融资租赁标的额、租赁期限、租赁费率、保证金、手续费、留购价格等等诸多要素组合。文章通过对某金融租赁公司五年的全部产品定价方案,对融资租赁产品定价的行业差异性,租金支付方式的灵活性进行了实证研究。结果表明,融资租赁定价未能充分考虑到行业的差异性,租金支付方式单一僵化。因此,我国当前融资租赁行业定价机制和标准亟待统一规范。

关键词: 融资租赁定价, 行业差异性, 租金支付方式