Port communicationCurrent development ideas for financial leasing in the next few years，The economy shifts to a new normal，From a debt perspective，The “new normal” includes three major characteristics:：First, economic development has shifted from medium-high speed to medium-low speed.，It can no longer be solved simply through development.、Cover old issues。Financial operations must be more cautious，Business philosophy must be more conservative and prudent，Be careful not to be radical。Second, the era of constant asset premiums has become a thing of the past.，It may even go to a stage where the value of real estate (the favorite collateral of creditors) decreases.。
The idea of relying on rising mortgage asset prices to absorb credit risks is no longer valid.，Creditors will be more cautious in selecting collateral and setting mortgage rates。Third, the idea of using leased items (equipment) to lock in business risks has been challenged.。
Especially the sharp price reduction of steel (the price of ordinary steel dropped from 6,200 yuan/ton in 2008 to the current 2,400 yuan/ton)，ship、The cost of steel-intensive equipment such as tower cranes has dropped sharply，Many leasing companies have no way to retreat；Industrial production lines shut down，Rental items can only be recycled as waste，Very embarrassing for the lessor。
therefore，For leasing subject matter that can resist the risks of leasing operations，In addition to being removable、durable、Apart from being easily liquidated，It is also necessary to add the feature of value preservation，Otherwise there must be more second repayment protection，Or increase the proportion of self-raised funds，Increase the cost of default。to this end，Financial leasing in development strategy、In terms of business ideas，New adjustments must be made promptly，It's about adapting to the times、Choices based on circumstances。
one、Business development direction: Choice of development direction of financial leasing in the next few years (3 years)：The development strategy is “sound management、"Moderate growth"，The business tactic is to "shrink the front line"、Switch from offense to defense”，Achieve "advance and retreat" in dynamic structural adjustment、Both protection and pressure、Reduce speed、Guaranteed quality”。
Specifically，Efforts should be made to achieve “three transformations”：1． To achieve a shift from emphasizing speed to emphasizing quality, we no longer focus on scale expansion as we did in previous years.，But take the initiative to slow down the development speed，Refined design products，Serve customers effectively，Scientifically adjust the structure，From extensive development to intensive development，Pay more attention to the quality of development。This quality slowness (can reduce risk，reduce losses)，It’s actually very efficient and fast.。
2． Realize the transformation from profit first to risk control first and change the mentality of high profit，Establish rational return expectations (it is recommended that financial leasing capital returns be controlled at 8-10% in the next few years)。Change “development first”、The risk is acceptable if it can be tolerated”、The mindset of “high returns versus high risks”，Strictly control risks，Put risk prevention first，Arrange the scale and speed of development on the premise of ensuring that no major problems occur.。
3． Realize the transformation from the pursuit of short-term profits to the sustainable development model, that is, from the pursuit of making money to the pursuit of survival，Get the right to live first，Plan further expansion and development，Ensure sustainable and sound development。
two、Business development ideas Overall business development ideas for financial leasing in the next few years：Adhering to the principle of "creating value for society"、Return benefits to shareholders、The development concept of "bringing happiness to employees"，Steady operation、Make progress while maintaining stability，Always put risk prevention in the first place，Seek development while strictly controlling risks，Continuously improve industry competitiveness。For financial leasing，We must continue to consolidate our leading position in the industry within the Sichuan region.。
Specifically，It is necessary to gradually realize the "three upgrades"：1． The upgrading of market expansion concepts should pay more attention to customer-centeredness，market oriented，Mainly to establish long-term development awareness，Strengthen the concept of inclusive finance，Continuously explore market opportunities，Achieve "common growth" with enterprises。
2． The upgrading of market expansion technology makes full use of Internet technology and big data technology，Use comprehensive data to analyze and control customers，Enhance customer stickiness，Reduce the impact of information asymmetry，Provide differentiated services for small and micro enterprises，Increase the added value of financial products，Use information technology and "Internet +" thinking，Provide strong technical support and platform support for leasing business。
3． Upgrading the market expansion model and establishing quantitative models through exploration，Develop standardized products，From the "one household, one enterprise" market expansion model，to wholesale、Network-style "circle, chain, and layer" approach to upgrade，Gradually realize batch sales、Market expansion model of standardized operations。three、Business development focus 1. Increase the proportion of state-owned enterprises and pay close attention to people's livelihood infrastructure、Energy saving and environmental protection、public service、State-owned enterprise leasing business in large equipment and other fields。
To understand deeply、Timely follow up on the industrial development direction supported by the government，Continue to increase cooperation with district, city and county state-owned platform companies，Find business sources，Develop business channels，Strengthen professional development，Improve professionalism，State-owned business has significantly increased in overall business scale。
2． Improving mortgage protection for small and medium-sized enterprises on the premise of focusing on the first source of repayment，It is necessary to appropriately increase the mortgage ratio of financial leasing for small and medium-sized enterprises，Ensure mortgage adequacy and controllability of fund recovery、security。Adopt industry share quota management model，According to the macroeconomic development status、Industry development，Timely adjust business development direction and structure，Continue to adjust and optimize business structure。
3． New policy to increase the proportion of personal business、Regulations break through natural persons as lessees，After restrictions on durable consumer goods as subject matter of financial leases，Given that the claims of natural persons (typically represented by mortgage properties) are the safest assets among all financial assets,，Financial leasing should increase its involvement in personal durable consumer goods，improve car、Innovative model of financial leasing for home appliances，At the same time, we also strengthen the supervision of personal production and business equipment、Promotion of facility rentals，Expand the spread of commercial vehicles, etc.，This will increase the business share of personal financial leasing。
4． Increase the contribution of informatization and intelligent technology to business development and explore the establishment of a large database，Comprehensive collection of information on all customers and related external customers，Classify and analyze data item by item，Follow up and pay attention to the upstream and downstream related industries of customers，Establish a database of company customers and related customers，Provide basic decision analysis for business selection。
Actively build an online marketing platform，Carry out product portfolio design and marketing promotion according to the "O2O" model，Gradually realize paperless operation for some customers、Intelligent、Convenient financial services。
5． Increase the proportion of active marketing business and proactively “go out” for independent marketing，Connect with external resources, especially government resources，Make full use of the resources of state-owned enterprises
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、brand
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compare with information
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，Make a visit plan，take initiative，To the province、City and district economic information、development and reform、investment promotion、transportation、Environmental friendly、science and technology、travel、water affairs、Small and medium-sized enterprise service centers and other departments and corresponding local platform companies，Research related projects and government support and subsidy policies，Get involved in quality projects，Get support from government departments，Promote the development of the real economy。
6． Improve employees' business development capabilities and risk control capabilities and establish internal and external business training systems within the company (Financial Leasing takes advantage of the recent opportunity to slow down development，Make 2025 the company training year)，Focus on business development strategic goals，Strengthen on-the-job training、Professional skills training、Marketing training、Business training in areas such as management and leadership skills，Through internal business communication、Job rotation and external expert training、Overseas training and other methods，Practice internal strength well，Improve professional quality and identify risks、Control risk transfer、Ability to absorb risk，Improve individual combat capabilities and the overall combat level of the team。
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