Port communicationShenzhen Financial Leasing Company Application
Require
Financial leasing is nothing new in China。Since the early 1980s，Introduced the first Boeing aircraft on lease basis，China Oriental Leasing Company was established，There have been several ups and downs，It's bittersweet、ups and downs，Already well known in the industry。Marked by the promulgation of the second edition of the "Administrative Measures for Financial Leasing Companies" in 2007，nearly ten years，China's financial leasing industry has developed rapidly。
By the end of 2025，There are nearly 9,100 registered financial leasing companies of various types.，Registered capital reaches 3.2 trillion yuan，The contract balance exceeds 6 trillion yuan。Industry taxes、supervision、law、The four pillar structures including accounting have basically taken shape，The development environment of the industry has been improved。
Governments at all levels have gradually realized the functions and effects of the development of the financial leasing industry on the development of the national economy.，In 2025, the State Council promulgated the "Guiding Opinions on Accelerating the Development of the Financial Leasing Industry" (Guobanfa [2025] No. 68) and the "Guiding Opinions on Promoting the Healthy Development of the Financial Leasing Industry" (Guobanfa [2025] No. 69) documents，Various local governments have also successively introduced special policies and preferential conditions to support the development of financial leasing.。
Shanghai、Tianjin、The three-pole pattern of the development of Guangdong’s financial leasing industry has taken shape，At the same time, it also drives other provinces and cities to，Especially the development of financial leasing in economically developed coastal areas。 但是融资租赁公司对专业化、综合化经营思路认识不足，忽视专业化与综合化经营的矛盾。我们强调租赁公司要走专业化道路，方向没问题，但不能简单、机械理解。
如果我们说某公司在汽车、Construction machinery、医疗等行业投了一些项目，这就成了专业化，个人认为不能简单下此结论，专业化要体现： 1.投向专业化，这是大家容易取得共识的； 2.交易模式—租赁产品的多元化和灵活性，切实满足客户的需求； 3.穿透式运营与管理，对行业及行业产业链各端有深刻理解和分析，在此基础上进行客户梳理分类，发掘各端客户的特点和需求，包括对行业发展的周期性、成长性等分析。
在产品组合上提升与行业发展预判及客户真实需求的契合度，实现行业及客户的分类管理； 4.产业链中各端客户及资产的结构合理分布，实行资产管理的专业化； 5.准入门槛、评审批流程、风险管理决策、相关制度的专业化； 6.风险与定价的专业化； 7.行业研究的专业化； In short，专业化不是简单的讲投向，而是覆盖业务、风控管理、决策链全流程的专业化。
综合化经营通常将资产分布在多个行业，有利于风险分散和对宏观经济及各行业的周期性的应对，起到风险对冲，获取市场平均收益率。
但问题是对投向及租赁资产结构是主动确立、摆布还是被动式地任其形成，Personally think，综合化经营适用于大型银行系租赁公司（其本身就被定位为银行公司产品线上的一个产品，基本附属于银行信贷服务）和大型第三方租赁公司（通常有强大股东背景）。
于大多数租赁公司而言，综合化经营下客观存在以下问题： 1.公司对宏观经济发展的周期性及政策变化的不确定性的了解，通常有滞后性； 2.对各行业的发展动态了解与分析，具有较大局限性，不具备也不可能具有对各行业的周期性变动及行业内诸多不确定性有全面，主动深入理解和掌握； 3.往往采用一套制度、standard、process、risk management
Require
去套用每个行业，容易产生惯性思维和惰性、被动的进行综合化经营； 4.风险与定价的机械化； 5.资产管理的复杂性和滞后性； 以上因素综合，在不具备综合化经营条件下，极易积聚风险；不简单的追求形式上的专业化，也不简单否定综合化经营（如银行系租赁公司具备综合化经营条件），做专业化就要做真正的专业化，综合化经营基本适用于银行，尤其是大型商业银行的租赁公司和大型第三方租赁公司。
其余的大部分租赁公司的综合化经营基本是被动式，由此形成规模、risk、收益的不均衡。
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