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　　Funding Source Roundtable: Leasing Companies Aim for Growth Acceleration in 2015

　　

　　美國(guó)融資圓桌會(huì)議認(rèn)為，2015年租賃企業(yè)面臨加速發(fā)展

　　

　　編者按：Ascentium Capital位于美國(guó)休斯頓，微軟作為主要投資人，承諾股權(quán)1.05億美元。主要業(yè)務(wù)是為尋求購(gòu)買(mǎi)資本設(shè)備的企業(yè)提供靈活的融資租賃方案；Padco Financial Services成立于1963年美國(guó)設(shè)備融資業(yè)最好的獨(dú)立經(jīng)紀(jì)公司和小額融資公司之一；Financial Pacific Leasing是安快銀行的子公司，主要通過(guò)與美國(guó)和加拿大的第三方和租賃公司合作向需要新的或者二手設(shè)備的企業(yè)提供5000美元到100000美元的小額商業(yè)設(shè)備租賃業(yè)務(wù)。

　　

　　The equipment leasing and financing industry is on more solid footing since the U.S. recession ended in 2009. While business may not be as robust as it was prior to the economic downturn, it has certainly improved for the respective companies of the equipment leasing and financing executives who participated in Monitor’s annual roundtable discussion.

　　

　　自從2009年美國(guó)經(jīng)濟(jì)衰退結(jié)束后，設(shè)備融資租賃行業(yè)基礎(chǔ)更加堅(jiān)實(shí)。雖然企業(yè)經(jīng)營(yíng)不像經(jīng)濟(jì)衰退前那樣繁榮，但是這的確提高了參加每年Monitor圓桌會(huì)議討論的各個(gè)設(shè)備融資租賃公司的主管們的認(rèn)識(shí)。

　　

　　What can the equipment leasing and financing industry expect in terms of deal flow, funding sources, credit quality and potential challenges in 2015?

　　

　　2015年設(shè)備融資租賃業(yè)在交易流、籌資渠道、信用質(zhì)量和潛在挑戰(zhàn)方面會(huì)有怎樣發(fā)展？

　　

　　Looking ahead, the lending environment is expected to continue improving as the economy continues to progress. In February, the Equipment Leasing & Finance Foundations Monthly Confidence Index was 66.3, a slight increase from the three-year high reached by the January index of 66.1. Amid this positive outlook, the three executives assembled for this year’s roundtable discussion agree it is best to remain cautious as they seek to capture more market share.

　　

　　展望未來(lái)，隨著經(jīng)濟(jì)持續(xù)發(fā)展，借貸環(huán)境持續(xù)改善。2月美國(guó)設(shè)備融資租賃協(xié)會(huì)公布的月度信心指數(shù)為66.3，較1月的三年最高水平66.1，稍有增長(zhǎng)。在這種積極的預(yù)測(cè)下，參加今年圓桌會(huì)議的三名高管達(dá)成共識(shí)，對(duì)此保持謹(jǐn)慎態(tài)度，因?yàn)樗麄儗で髶屨几嗟氖袌?chǎng)份額。

　　

　　Bob Fisher, senior vice president of Ascentium Capital; Jim Padden, CEO and president of Padco Financial Services; and Paul Menzel, CEO and president of Financial Pacific Leasing, an indirect provider of small-ticket commercial equipment leases, they offer their views on deal flow, funding sources and credit quality, and as provide some tips on how brokers can improve their odds of getting a deal done in today  slending environment.

　　

　　Ascentium Capital高級(jí)副總裁Bob Fisher，Padco Financial Services首席執(zhí)行官、總裁Jim Padden，F(xiàn)inancial Pacific Leasing（提供小額商業(yè)設(shè)備租賃業(yè)務(wù)）首席執(zhí)行官、總裁Paul Menzel，三人提出了對(duì)于交易流、籌資渠道、信用質(zhì)量的看法，以及為經(jīng)紀(jì)人如何在現(xiàn)今借貸環(huán)境下提高借貸成功幾率提供一些建議。

　　

　　Existing Sources and New Market Entrants Help Increase Deal Flow Activity

　　

　　現(xiàn)存資源和新的市場(chǎng)參與者助力交易流增加

　　

　　On the deal flow side, all three roundtable participants credited their increased level of activity from a year ago to more deal flow from existing sources and an increase in the number of origination sources. Transaction flow continues to increase for Ascentium Capital from early 2015 compared to last year, primarily from expanding its business with existing lessors, third-party originators and their programs.

　　

　　“Our whole mission is to create synergies with our finance partners and develop effective programs that enable them to capture more opportunities with their customers and vendors,” says Fisher.

　　

　　在交易流方面，三名圓桌會(huì)議參與者都認(rèn)為一年前業(yè)務(wù)量是由現(xiàn)存資源和原始資源增加促成的交易流增加而實(shí)現(xiàn)發(fā)展的。與去年相比，2015年初Ascentium Capital的交流持續(xù)增長(zhǎng)，主要得益于發(fā)展與現(xiàn)有租賃公司、第三方組織和項(xiàng)目之間的業(yè)務(wù)。Fisher認(rèn)為，我們的使命是與融資合作伙伴協(xié)同發(fā)展，開(kāi)發(fā)行之有效的項(xiàng)目，促成他們與客戶(hù)之間，與供應(yīng)商之間更多合作機(jī)會(huì)。

　　

　　The number of lessors isn’t a driving force; rather, Ascentium prefers to find and grow strategic business relationships with lessors that seek to bring value to their customers. As a result, Fisher says the company is actively looking for additional sources, but in the context of diversification and strategic opportunities where it can assist its lessors in expanding their market share.

　　

　　租賃公司的數(shù)量不能作為驅(qū)動(dòng)力，Ascentium更樂(lè)于與努力給客戶(hù)帶來(lái)價(jià)值的租賃公司建立戰(zhàn)略業(yè)務(wù)關(guān)系。因此，F(xiàn)isher認(rèn)為公司積極尋找其他資源，同時(shí)在多樣化和戰(zhàn)略機(jī)遇的背景下，公司能夠幫助出租公司擴(kuò)大市場(chǎng)份額。

　　

　　Padco Financial Services also saw a slight increase in its annual volume, mostly due to deal flow from existing sources. “Our average deal size certainly creeped up a bit,” says Padden. “As a small ticket funder, we did more large deals last year than usual. In fact, the independent brokers we tended to do less business with became even less frequent.”

　　

　　Padco Financial Services的年交易額也稍有增長(zhǎng)，主要由于現(xiàn)有資源使交易流增加。Padden認(rèn)為其平均交易量的確稍有增長(zhǎng)。作為小額融資者，其公司去年比平常做了更大的交易。事實(shí)上，他們已嘗試降低與獨(dú)立經(jīng)紀(jì)人合作頻率。

　　

　　Menzel, credits his company’s 79% increase in deal flow activity to Umpqua Bank, which acquired Financial Pacific in July 2013. “There was a huge lift in activity once we became part of Umpqua Bank,” he says. “We have had a tremendous growth period over the last 18 months where we doubled the size of our company in terms of assets. In addition, we have seen a steady increase in deal flow activity from existing sources we have done business with for over 20 years, as well as new entrants in the market.”

　　

　　Menzel認(rèn)為，他公司交易流79%的增長(zhǎng)歸結(jié)于2013年7月安快銀行收購(gòu)了Financial Pacific。他認(rèn)為：“當(dāng)我們被安快銀行收購(gòu)后，業(yè)務(wù)量有很大的提升。在過(guò)去的18個(gè)月里，公司實(shí)現(xiàn)巨大發(fā)展，公司資產(chǎn)翻了一番。此外，包括與我們合作20余年的老公司和新公司在內(nèi)的現(xiàn)有資源促使交易流穩(wěn)步增長(zhǎng)。”

　　

　　Increased Levels of Activity Expected in 2015

　　

　　期待2015年提升業(yè)務(wù)水平

　　

　　Ascentium is anticipating higher levels of activity this year to continue its upward momentum and expects certain sectors to finally seek and implement equipment upgrades this year. “This includes new acquisitions of technology equipment and also transportation,” says Fisher. “The service sector will continue to drive the need for equipment replacement and additional opportunities. We look at 2015 as a year of moderate growth, but with a cautious eye.”

　　

　　Ascentium今年期待有更高層次的業(yè)務(wù)活動(dòng)，以保持其向上的發(fā)展勢(shì)頭，也希望在某些領(lǐng)域?qū)で蠛蛯?shí)現(xiàn)設(shè)備升級(jí)。Fisher認(rèn)為：“實(shí)現(xiàn)這一目標(biāo)需要購(gòu)買(mǎi)技術(shù)設(shè)備和交通工具。服務(wù)部將繼續(xù)把握設(shè)備置換的需求和尋求額外機(jī)會(huì)的需求。我們認(rèn)為2015年企業(yè)運(yùn)營(yíng)會(huì)有所發(fā)展，但仍保持謹(jǐn)慎的態(tài)度”。

　　

　　Padden also expects higher levels of activity for his company this year. “We were seeing higher levels of activity, and we’re hoping that trend will continue. We all need to grow. It seems as if the economy has been treading waters for years. Several sectors where we see new demand are in small and used machine tooling, technology equipment as well processing kinds of equipment.”

　　

　　Padden也希望其公司今年的業(yè)務(wù)活動(dòng)更上一層樓。“我們尋求高水平的業(yè)務(wù)活動(dòng)，也希望此趨勢(shì)能夠持續(xù)下去。我們需要發(fā)展。經(jīng)濟(jì)貌似已經(jīng)持續(xù)幾年處于低迷狀態(tài)。我們注意到在小型二手的機(jī)械工具、技術(shù)設(shè)備和加工類(lèi)設(shè)備等幾個(gè)領(lǐng)域萌發(fā)出新的市場(chǎng)需求。”

　　

　　Financial Pacific Leasing’s higher level of activities this year will be fueled by economic growth, notes Menzel, with consumer confidence being the biggest driver. “Top line revenue growth is finally occurring in small businesses,” says Menzel. “What’s holding people back is confidence that the economy has rebounded. We also need them to shed those psychological fears and deep-seated scars on employment and housing dislocation during the recession. It’s taking a long time to heal those wounds. I think people have decided to hunker down and try to do without borrowing until they feel confident.”

　　

　　Menzel認(rèn)為經(jīng)濟(jì)發(fā)展是近幾年Financial Pacific Leasing高水平業(yè)務(wù)活動(dòng)的助燃劑，消費(fèi)信心是Financial Pacific Leasing發(fā)展的最大動(dòng)力。他認(rèn)為：“公司凈利增加多發(fā)生在小企業(yè)中。阻礙人們的是經(jīng)濟(jì)回彈的信心。我們需要他們擺脫經(jīng)濟(jì)衰退期對(duì)失業(yè)和房屋移置的心理恐懼和創(chuàng)傷。治愈這些傷害需要很長(zhǎng)時(shí)間。我認(rèn)為人們?cè)谛判臐M(mǎn)滿(mǎn)之前會(huì)保持低調(diào)或者在沒(méi)有貸款的情況下嘗試。”

　　

　　That confidence will come from top line revenue growth, says Menzel. Once the average consumers become confident about their real estate and job situation, the economy will only get stronger. “I think we finally turned a corner and some people are starting to spend more—the gas prices have certainly helped. Once top line revenue growth for small businesses starts to grow, they are going to start investing in equipment again.”

　　

　　Menzel認(rèn)為凈利增加會(huì)增強(qiáng)信心。一旦普通消費(fèi)者對(duì)他們的房產(chǎn)和工作情況抱有信心，經(jīng)濟(jì)就會(huì)強(qiáng)健發(fā)展。“我相信我們終會(huì)有轉(zhuǎn)換余地，一些人開(kāi)始消費(fèi)—汽油價(jià)格上漲就有很大幫助。一旦小企業(yè)凈利增加，他們會(huì)再次進(jìn)行設(shè)備投資”。

　　

　　資料來(lái)源：www.monitordaily.com

　　

　　翻譯：天津?yàn)I海融資租賃研究院 張媛

　　

　　編審：天津?yàn)I海融資租賃研究院 季健霞

　　

　?。ㄒ煤娃D(zhuǎn)載本院譯文請(qǐng)注明出處）