Leasing

Purpose The Enterprise Management Information System "LEASING" (ISUP "LEASING") is designed to automate management and accounting, financial analysis and planning of the company's leasing activities. ISUP "LEASING" allows you to automate a complex of technological processes related to the procedures for implementing leasing projects, drawing up leasing agreements, monitoring the implementation of projects and implements: 1. Information support for the interaction process between all employees and representatives of the leasing company when conducting leasing projects from the moment of application until completion of the transaction. 2. Automation of maintaining a register of potential clients indicating all the client details necessary for the functioning of the complex of clients. 3. Automation of work with leasing applications and control of application statuses. 4. Automation of calculation of leasing payment schedules (leasing calculator):

• according to the banking method (accrual of interest on the balance of debt);
• using the appreciation method (interest for the entire period is accrued on the entire leasing amount and the resulting amount is divided by the number of periodic payments).

5. Registration in the client’s file of the results of an analysis of the financial position of the enterprise to determine the profitability of the transaction. 6. Automation of work with contracts and additional agreements to contracts concluded within the framework of a leasing project:

• leasing agreements;
• purchase and sale agreements;
• insurance agreement;
• credit and loan agreements;
• agreements of loans issued.

7. Automation of maintaining payment schedules for all contracts. 8. Automation of all main operations corresponding to leasing activities:

• accounting for receipt and transfer of leased items to the lessee;
• accounting for receipts and payments on loans and borrowings;
• accounting for receipts from the lessee (advance receipts, leasing payments);
• accounting for settlements with suppliers (advance payments, settlements with suppliers).

9. Automation of typical operations:

• formation of documents according to approved payment schedules;
• calculation of penalties;
• accrual of interest under loan agreements.

10. Obtaining comprehensive management reporting on leasing activities in various sections:

• analysis of the leasing portfolio;
• loan portfolio analysis;
• analysis of the insurance portfolio;
• analysis of the collateral book;
• plan-actual analysis of mutual settlements for lease payments.

11. Formation of regulated financial statements. Compliance of the Management System "LEASING" with the basic technical and information requirements:

• The system is based on modern technologies, built on modern industrial platforms (OS, DBMS), allowing for flexibility, openness and scalability of the system.
• The system has a unified information database and the possibility of further integration with newly developed automated systems.
• The system consists of interconnected functional modules, implemented in a three-level architecture (“thin client”) and operating in real time (On-Line).
• The system protects information from unauthorized access, modification or destruction of data.
• The system operates in multi-user mode around the clock (24/7).
• The system provides for receiving reporting (functional reporting, control reporting, analytical reporting) in various sections.

The benefits received by the company from the implementation of the LEASING ISUP: 1. Ensuring high incomes by placing available resources into leasing services, subject to maintaining liquidity, risk diversification, repayment, payment and compliance with established standards. 2. Ensuring the level of profitability and risk of projects acceptable to the company. 3. Strengthening control over compliance with the basic principles of leasing financing - repayment, urgency, security and payment. 4. Increasing payment collection and return on investment. 5. Automation of risk management procedures and controls. 6. Creation of conditions for maximum availability of leasing for potential lessees. 7. Improving the quality and comfort of the company’s customer service. 8. Increasing the labor productivity of company managers at all levels and the efficiency of collective work of managers involved in technological processes for servicing leasing projects. 9. Separation of responsibilities and powers of the company’s governing bodies, managers at all levels of decision-making on leasing financing. 10. Creation of a single centralized database to provide online access to the leasing project dossier materials to the company’s leading managers. 11. Prompt receipt in re modereal time data on payments and concluded contracts. 12. Reducing the time frame for submitting reports.