[View Industry and Read Policies] Analysis of the Development Potential of China’s Financial Leasing Industry

[Looking at the industry and reading policies] Analysis of the development potential of China’s financial leasing industry China’s financial leasing business volume is increasing rapidly，But the penetration rate is low。Since 2008，The volume of financial leasing business in China continues to increase，Asia/global share increased from 22%/

1. 0%Increased to 50%/ in 2013
2. 1%，Become an integral part of the world rental market。

However, from the perspective of equipment investment penetration rate，China has maintained a rate between 2% and 5% since 2011.

1. 97%After peaking, it continued to fall back to 2013
2. 1%；The GDP penetration rate from 2011 to 2013 was
3. 79%、
4. 25%、
5. 11%。

Industry base is low，The large market space affects the leasing industry’s share of market financing tools，Internationally, it is mainly measured by leasing penetration rate.，Mainly includes equipment investment penetration rate、GDP penetration rate。Equipment investment penetration rate = leasing business volume/fixed asset investment in factory equipment that year，GDP penetration rate = leasing business volume/GDP for the year。

Fixed asset investment penetration has the advantage of being able to more accurately characterize and measure the competitive relationship between leasing and other alternative financing instruments。The GDP penetration rate depends on data stability.、More in terms of availability and convenience

Advantages

。Rental penetration is much lower than other major countries，Huge room for improvement。Select the top 50 financial leasing countries in the world in 2013(or region)middle、1981-2013Countries with an annual sample missing rate of no more than 20% are included in the statistics.。

From the perspective of equipment investment penetration rate，Median global rental penetration is 13%，South Korea、Japan remains between 8% and 9%，The Eurozone and Brazil are between 10% and 20%，USA、Rental penetration rates in Canada and Australia exceed 20%。GDP penetration rates vary greatly，2013The UK reached

1. 67%，Germany
2. 01%，USA
3. 92%，Taiwan, China
4. 6%。

in the long run，China's equipment investment penetration rate will gradually increase to 15%、GDP penetration rate is approaching 1%，The corresponding market size will expand 3-4 times，Huge development potential。Support policies are frequently introduced，Assisting the development of the leasing industry with the rapid development of the financial leasing industry，Relevant industry policies have been introduced one after another，Regulatory measures are more transparent、Complete。2014years since，my country’s financial leasing industry is under supervision、law、tax、Great progress has been made in accounting and other aspects。

The State Council issued the "Guiding Opinions on Accelerating the Development of the Financial Leasing Industry" on August 31, 2025，And on September 1, the "Guidance Opinions on Promoting the Healthy Development of the Financial Leasing Industry" was issued。These two guiding opinions are specific guiding opinions on promoting the development of the financial leasing industry at the State Council executive meeting on August 26.。

The former outlines the development blueprint for the financial leasing industry，As well as supporting industry development opportunities and system construction planning；The latter is a specific guideline for the development of financial leasing companies, the core enterprises engaged in financial leasing business.，The issuance of these two guiding opinions also points out the direction for the future development of the financial leasing industry.：With market leadership and government support，Develop towards professionalism，Developing towards a comprehensive service system，Coordinated development of related business supporting facilities，Expand to overseas markets，Develop towards emerging industries and strategic industries。

Promote solutions to the financing difficulties of small and medium-sized enterprises. The financing difficulties of small and medium-sized enterprises have become prominent in recent years.。According to calculations by the China Banking Regulatory Commission，2014Annual share of total number of enterprises

1. 8%of small and medium-sized enterprises，Its loan balance only accounts for all financial institutions’
2. 10%；3800Ten thousand private enterprises，Loans obtained from banks account for less than 2% of total bank loans。2014The proportion of funding gaps for small and medium-sized enterprises in my country has been fluctuating between 60% and 80%.。

Utilize financial leasing，Can enhance cash liquidity of small and medium-sized enterprises。The financial leasing company retains ownership of the leased equipment，Different from banks, which focus on the company's financial and operating capabilities and guarantee status。Leasing companies pay more attention to whether equipment rent can be recovered，The equipment can be taken back at any time when the lessee cannot pay the rent.。Financial leasing procedures are usually relatively simple，No guarantee required。

Although the leasing company

Require

The annual rental rate is 24% higher than the bank’s loan annual interest rate for the same period.，However, considering that banks often have constraints such as compensating balances,，The rental rate of finance lease is often lower than the annual interest rate of bank loan，Reduced financing costs for SMEs

cost

。Financial leasing can promote technological progress of small and medium-sized enterprises、Increase competition

Advantages

。

Financial leasing can shorten the project construction period，Track advanced technologies，Enable small and medium-sized enterprises to gain market opportunities，thereby enhancing the market competitiveness of small and medium-sized enterprises。Financial leasing can help small and medium-sized enterprises achieve rapid accumulation of capital，and invest more funds in new products。For industries with rapid technological updates，Using financial leasing to upgrade equipment can avoid risks caused by mental wear and tear of the equipment.。

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