P2C平台与融资租赁的结合：模式与前景

作为互联网金融的重要形式之一,P2C(个人对企业)在控制信用风险等方面具有天然优势。从P2C平台与融资租赁业务之间存在的互补性出发,对二者的主要合作模式和业务实践进行了简要分析。研究指出,在当前的信用环境和税务政策下,互联网上的融资租赁仍然面临融资成本、开票、项目期等实际操作困难。下一步,P2C平台与融资租赁之间的合作将进一步深化,主要会集中在一些前景较好、短期急需资金、规模相对较小,但由于企业财务结构等原因难以从传统渠道融资的项目上。

Cooperation between P2C Platform and Financial Leasing: Modes and Prospects

Being one of on-line financial modes, P2C, or Person to Company, has endogenous advantages in aspects such as credit risk management. Based on the complementarity between financial leasing and P2C platform, the article analyzed primary modes and practices of their cooperation. It is pointed out that, with current credit environment and tax policy, on-line financial leasing is still suffering from a series of operational difficulties including high cost, lack of invoices, and mismatch of durations. In short future, the cooperation between P2C platform and financial leasing will go further, mainly focusing on the projects which are prospecting, short of funding at the moment, small-sized, and hard to fund from traditional channels for their defects in financial statements.