How to register a car finance leasing company?

How to register a car finance leasing company? Car rental market is vast： A few days ago，Qudian released its first quarter financial report for 2025，Its newly laid out auto finance business performed brilliantly，financial report display，Dabai Auto’s sales-type financial leasing revenue in the quarter was 546 million yuan (US$87.05 million)，A total of 6,608 vehicles were delivered。

This should be the only disclosed car finance leasing product data on the market，An insider told Qingliu Club，“The average monthly income is nearly 200 million，Considering that Dabai Motors has just started，This data is pretty good。” Dabai Auto’s data may add fuel to the car finance leasing industry。5moon，Car financing leasing brand “Bibi Che” received tens of millions of dollars in financing，Lexin also launched its own auto finance product “Lemaiche”。

However，Is car finance leasing a new blue ocean in the field of car finance?，Will the future market cultivation be smooth sailing? After discussing and communicating with relevant practitioners, Qingliu Club believes that，This field is highly profitable，But the road is long。 How to register a car rental company?

Companies that engage in car leasing are generally called financial leasing companies.，Register for each region

Require

no the same，Generally, only foreign-funded financial leasing companies can be established，Domestic capital is a pilot financial lease，Let me first introduce to you the registration of foreign-funded financial leasing companies in Shenzhen.

Require

：

1. Registered capital of more than 10 million US dollars
2. Senior executives have more than 3 years of relevant industry experience，Bachelor degree or above in economics or finance related majors
3. Shareholders have no bad records
4. The proportion of foreign capital holdings shall not be less than 25%
5. foreign shareholders

Require

Have credit certificates of more than 5 million US dollars. According to the "China Commercial Factoring Industry Development Report" issued by the Ministry of Commerce(2025)》，According to statistics，By the end of 2025，The total registered capital of commercial factoring enterprises nationwide exceeds RMB 570 billion.，There are 8,261 registered commercial factoring legal entities and branches in China.，A year-on-year increase of 48%，About 1,600 stores were actually opened，Commercial factoring business volume reaches 1 trillion yuan，Financing balance is approximately 250 billion yuan，and is still in a state of rapid growth。

However，Behind the seemingly prosperous，But it hides a huge bubble crisis。In fact, most of these financial companies, which total more than 20,000, are not engaged in substantive business.。According to the Ministry of Commerce’s 2025 national risk investigation situation，Among factoring companies，Nearly 80% of them are shell companies that have not yet opened for business.，Some companies are out of touch、The state of ultra-leveraged operations。This is also another characteristic of quasi-financial institutions，finance lease、Pawn companies also have these problems to a greater or lesser extent。

Behind the readjustment of financial regulatory authorities，In fact, it is a change in the perception of the industry。

From the perspective of the nature of the industry，finance lease、commercial factoring、Pawn shops all have the problem of vague industry positioning.，Although financial leasing、commercial factoring、Pawn shops are not yet financial institutions in principle.，It can even only be called a “quasi-financial” institution.，But they are essentially debt-related businesses.，They are all finance based on the circulation of goods.，And gradually transformed into a real lending business in the market，Have obvious financial operating attributes，In fact, it can be regarded as a quasi-financial institution，According to the scope of financial supervision，It should indeed be placed under the supervision of the China Banking and Insurance Regulatory Commission，This classification is reasonable。

Although it is called finance lease、commercial factoring、The regulatory responsibilities of pawn shops are officially transferred to the China Banking and Insurance Regulatory Commission，But it is still possible to adopt a dual-architecture model，The regulatory body may fall to local financial bureaus，The local financial office is responsible for daily supervision and risk management。but，No matter who the regulatory body is，This move will undoubtedly have positive financial consequences。

The introduction of this policy is conducive to the unification of supervision and the formulation of rules.，Achieve full regulatory coverage，Create regulatory synergy，Better promote the transformation of quasi-financial institutions into formal "financial forces"。

actually，This assignment of regulatory responsibilities is not a simple transfer of powers and responsibilities.，Rather, it means an upgrade in supervision of quasi-financial activities.，Unification of management powers is only the first step in upgrading supervision，Financial leasing in the future、Regulation of the commercial factoring and pawn industries will inevitably become stricter，Rectification of industry chaos will surely accelerate。This is forced by the current regulatory situation，It is also an attempt to rectify unhealthy trends in the financial market.、The only way to promote the healthy development of financial markets。

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