Port communication@lease|The next step for the financial leasing industry:The future profit point from scale transformation to specialization lies in asset trading, disposal and leasing as an industry spanning finance and industry.，Rapid growth over the past five years。As of the first half of 2025，The total assets of 63 financial leasing companies across the country have exceeded 2 trillion。While development is accelerating，Financial leasing companies are also facing development pains。
initial，The earliest batch of licensed financial leasing companies were mainly bank subsidiaries.，Relying on bank resources，Development cannot break away from the bank’s risk control system。This allows financial leasing companies to rapidly expand their scale，But failed to develop their core competencies in a certain field，As a result, the transformation to professionalism has been put on the agenda。at present，Green finance has become one of the key areas of expansion for leasing companies。
“In addition to financing, leasing also plays a role that is closely linked to investment operations and the real economy.，Have a certain lead
Advantages
。" Yu Ziyan, President of CITIC Leasing, said in an exclusive interview with a reporter from "21st Century Business Herald"。Cracking the pain points of the financial leasing industry Yu Ziyan believes，The financial leasing industry currently faces three most prominent problems。First, the operating model，The main model of financial leasing companies is still quasi-credit，rather than investment and operation of leased assets。
Compare Western rental companies，Focus on the operation and disposal of leased assets，That is, operating lease，This should be the essence of a leasing company。In a quasi-credit model，Although the scale of assets is expanding rapidly，But it has very little help in professional accumulation，and easy to accumulate risks。Second, the business direction is mainly platform-like business.。
in the first two years，Able to accept the high costs of leasing companies、Large amount of investment、relatively low risk，Focus on government platforms and infrastructure construction projects，This has also become an important asset for financial leasing companies。this year，under the influence of policy，Government financing and infrastructure construction projects are difficult to continue，Leasing companies relied too much on such projects in the early stage，Resulting in a high proportion of existing assets，It is now difficult to find new industry alternatives，Will affect scale and profitability，Transformation is difficult。
The third is risk control，Under a credit-like operating mode，Risk control is only for a single project itself，Specialization means starting from the premise of understanding the industry，Have a deep understanding of the assets themselves，Even if the project is risky，Leasing companies have the ability to truly dispose of assets，Financial leasing needs to focus on a certain industry，View projects from an investor’s perspective。
21Century Economic Report reporters observed and discovered from an industry perspective，The top financial leasing companies in the past two years have begun to enter a bottleneck period，And some smaller and later-established companies are beginning to make efforts。The business of these financial leasing companies adopts a professional operation method，except airplane、Ships and other traditional main business areas，As green finance becomes policy guidance，CITIC Leasing、Companies such as Industrial Leasing have also begun to choose green leasing as their key development model.。
Semi-annual report data display，2025The total assets of CITIC Leasing in the first half of the year were 49.161 billion yuan.，Among them, green leasing business accounts for 65%，The ratio increased by approximately 30% compared to the initial period of establishment。
“While expanding green leasing assets，Reduce the infrastructure and other projects involved in the initial stage，Mainly for the sake of professionalism，"Yu Ziyan said，“In the future, the ‘three new’ industries will still be the main investment direction.，That is new energy (green energy)、New environment (energy saving and emission reduction)、New materials (high-end equipment)。It is planned that the three new industries will account for 80% by the end of 2025-2025。
"Yu Ziyan revealed，CITIC Leasing is introducing related companies as strategic investors，It is expected to increase capital and expand shares to carry out share reform，and will start the Hong Kong listing process by the end of 2025.。Looking for future profit points to leverage the industry cannot be done by oneself alone。
923rd of the month，CDB Leasing、CITIC Leasing、Industrial Financial Leasing、Four Hengxin Financial Leasing companies serve as sponsors，Established the first green leasing development community in China，The first members of the community include about 50 financial leasing companies and 60 commercial leasing companies。In Yu Ziyan’s view，Cooperation needs to be based on two premises，Specialization and division of labor。
according to plan，In addition to building a communication and cooperation platform, the green leasing community、Conduct industry research、In addition to regular actions such as promoting the formulation of standards,，Another key direction is to build a system platform for members，Provide project matching、Asset trading and other services，Become a channel that connects the capital side and the asset side。At present, the transaction needs of the financial leasing industry are no longer limited to the single model of "obtaining leasing projects-financial market borrowing funds"。
By building a multi-level financial sharing platform，While expanding the scale of asset transactions,，The need to form a cooperation system has become increasingly evident。In terms of building a peer platform，CITIC Leasing has a precedent for exploring。2025CITIC Leasing launched the "Lease+" peer cooperation system in 2018，Positioning for leasing asset transactions and cooperating with third parties，The main business is the transfer in and out of assets，Buy assets that are in line with your business direction，Transfer out high-quality assets that are not in line with the main business areas。
As of the end of June this year，"Lease +" business transaction volume exceeds 10 billion yuan，Obtain approximately 5 billion yuan in green leasing assets through this platform。"Through the transfer of assets，Provide space for main business under the premise of limited capital，At the same time, we also obtain high-quality assets through industry cooperation.，For example, working with commercial leasing companies on the asset side，Transferred high-quality clean energy assets，Solve financial problems of peer companies, etc.。"Yu Ziyan said。
Yu Ziyan also thinks：“The profit point of financial leasing in the future lies in the profit from asset disposal.。"For airplanes、Ships and other movable、Easily Realizable Leasehold Property，Adopt operating lease；For most green lease assets，Such as photovoltaic power stations, etc.，More complex than simple financial leases and operating leases，May include both leasehold property + equity，The final realization of assets and disposal of residual values is actually the disposal of equity。
For example，Financial leasing companies can cooperate with energy companies to set up industrial investment funds，Small business owners get quality resources，But lack of working capital，Industrial funds can invest in shares，Financial leasing company provides debt financing for it，Follow-up on asset disposal，Disposal proceeds can be obtained through equity transfer，At the same time, we also control risks from the perspective of the entire industry chain.。
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