Introduction: In recent years, the domestic leasing industry has become the second largest financial leasing market in the world. The following is the relevant analysis data. Let's get to know each other.
As a new service industry, financial leasing, with its flexible resource allocation mechanism, is conducive to the adjustment and optimization of industrial structure, the transformation and upgrading of manufacturing industry, the excavation of idle social resources, the release of effective demand and the improvement of financial markets. Therefore, after the economic crisis, the global leasing business volume has maintained a growth trend for five consecutive years, and the industry prospects are cautiously optimistic. The leasing industry in China is booming, which has promoted the development of Asian economic markets and attracted the attention of the whole world.
According to the data of "20 17-2022 China Financial Leasing Industry Market Foresight and Investment Strategic Planning Analysis Report" released by Forward-looking Industry Research Institute, China's financial leasing market has increased by 220 times since 2007, with an average annual growth rate of 90%. Although the growth rate has slowed down in recent years, it still maintains a high growth rate. By the end of 20 16, the total number of financial leasing enterprises in China has reached 766.
However, compared with the development of financial leasing in various countries, the penetration rate of financial leasing in developed countries is relatively high, with the United States, Britain, Canada, Australia and Sweden all fluctuating above 20%, while the penetration rate in China is less than 9%, which shows that there is still room for improvement compared with Germany and the United States, and there is great potential for future development.
As the domestic economy enters a new normal, the industrial structure is facing profound adjustment. Thirteenth Five-Year Plan? During this period, China's economic structure is deepening adjustment, and its financial industry is expanding and opening up. What will China's financial leasing industry face? Belt and Road? Adjustment of industrial structure, Internet plus? By analogy, under the mode of China's economic development, investment will become the main way of China's economic development for a long time, and the penetration rate of financial leasing in China's fixed assets investment market will continue to grow. At present, the penetration rate of financial leasing in China is about 8.93%. According to the global average permeability 14%, it is estimated that the total business volume of China's financial industry will reach 2 1 trillion yuan by 2022. If the market penetration rate reaches 20% (European and American level), the total market business of China's financial leasing industry is expected to reach 30 trillion yuan.
Bank leasing companies are the first choice for financial leasing.
From the micro-operators of financial leasing industry, there are three main categories: bank leasing companies, manufacturer leasing companies and independent third-party leasing companies. Among them, the business balance of bank leasing companies represented by Bank of China Leasing and ICBC Leasing accounts for half of the whole industry, and such institutions have the ability of parent bank. Feedback? The low financing cost brought by leasing business, relying on the holding bank's network resources with a large number of customer machines and corporate credit information, is the most potential market segment of leasing industry.
In addition, bank leasing companies have achieved rapid development through continuous financial innovation. Taking ICBC Leasing as an example, some useful attempts have been made in this regard in recent years. For example, learn from the typical international transaction structure of aircraft leasing and take the lead in setting up SPC in the bonded area to carry out aircraft leasing? Bonded lease? The model has effectively broken through the lag of the current fiscal and taxation laws and regulations on leasing business, not only created new ideas for aircraft leasing business, but also accumulated experience for the development of complex transactions such as leveraged leasing in the future.
In addition, various financial leasing companies have cooperated extensively and carried out joint leasing of many large-scale projects. The formation and development of leasing model innovation is a new driving force for the sustainable development of financial leasing industry.
Differentiated competition of banks as leasing companies
Combining with the adjustment of China's energy structure, focusing on supporting the development of clean energy such as hydropower and wind power is one of the important focuses of the business development of banking financial leasing companies in recent years. While serving the economic development, the banking leasing company has initially explored a differentiated development path with real leasing characteristics and found a development direction suitable for its own characteristics.
? Internet plus financial leasing? This model makes China the largest financial leasing market in the world.
Looking at the development of foreign countries, financial leasing has great advantages and will soon become the second largest financing method after banks. At present, the market penetration rate of domestic financial leasing (total lease contract/total investment in fixed assets) is about 3%, and that of the United States is 22%, so there is huge room for development.
The current situation of China's financial leasing industry;
1. The number of enterprises has greatly increased.
According to the data of the national financial leasing enterprise management information system, by the end of 20 14, there were 2,045 registered financial leasing enterprises nationwide, an increase of 959, an increase of 88.3%, and an increase of 12.9 percentage points over last year. Among them, there were 29 domestic pilot enterprises 152, an increase of 23.6%; Foreign-funded enterprises 1893, an increase of 930, an increase of 96.6%. The total number of employees in the whole industry is 28,247, an increase of 2,455 or 9.5% over the end of last year.
The registered capital has almost doubled.
By the end of 20 14, the total registered capital of financial leasing enterprises in China was 556.46 billion yuan, an increase of 268.04 billion yuan over the end of last year, with an increase of 92.9%, nearly doubling, of which the registered capital of domestic pilot enterprises was 83.62 billion yuan, with a year-on-year increase of 34.8%. The registered capital of foreign-funded enterprises was 472.84 billion yuan, a year-on-year increase of 108.9%.
3. Rapid growth of total assets
According to the data of the national financial leasing enterprise management information system, by the end of 20 14, the total assets of financial leasing enterprises were 1 10 1000 billion yuan, a year-on-year increase of 26.2%. Among them, the total assets of domestic pilot enterprises were 31662 million yuan, up 21.2% year-on-year; The total assets of foreign-funded enterprises were 784.37 billion yuan, a year-on-year increase of 28.3%.
Generally speaking, the scale of China's financial leasing industry continues to maintain a high-speed growth trend, and the number of enterprises and registered capital have increased substantially; The total assets of the industry grew rapidly, and the total amount exceeded one trillion yuan for the first time.
Judging from the above data, China is expected to become the largest leasing market in the world; However, the financial leasing industry also needs more professional talents, more diversified financing channels and more benign industry development mechanisms, such as a better talent training system, asset trading system and interbank lending mechanism; These measures will effectively improve the competitiveness of China's leasing industry.
To really do a good job in financial leasing, we need to pay attention to the following aspects and combine them with the Internet:
On the one hand, there must be financial support, which is related to the big environment such as the economic system. It is necessary to broaden the financing channels of financial leasing companies through system construction. In this regard, the financial leasing company of the banking department has sufficient advantages. Because of their shareholder background and enterprise strength, they can raise a lot of low-cost funds and have a very strong competitive advantage.
On the other hand, we must have professional asset management capabilities. First, we should link up with the development of the industry and the enterprise itself, lease from the perspective of the long-term development of the leased enterprise, and provide good consulting, management and financing services for its development. First, we should establish our own channels for asset withdrawal, focus on our own advantageous industries, and establish our own channels for asset operation, equipment remanufacturing and equipment second-hand market disposal. In this regard, the financial leasing company of the manufacturer department has certain advantages. Based on years of operation and familiarity with its own industry, customers and equipment, it has the competitive advantage of asset withdrawal, but it should also learn from the experience and lessons of blindly pursuing sales like the construction machinery industry so as not to crush itself.
And financial leasing companies, how to find their own competitive advantage? How to survive in the cracks of financial leasing companies with the background of banks, central enterprises and listed companies, which are laid out earlier and firmly rooted in various segments? At present, it is indeed a serious problem, and its own positioning has become a key to life. There is no reference answer here, but the Eight Immortals can only face each other across the sea and show their magical powers.
According to the current development momentum and situation, there will inevitably be some financial leasing companies that lack professional ability. In the early stage of business development, we were too eager for income, and the degree of risk control and risk control ability were insufficient. In addition, the macro-economy has entered a relatively long downward phase, resulting in a large number of overdue and bad debts. This kind of bad debt risk will in turn limit their financing in banks and other channels, lacking good capital channels and unable to change their asset structure through innovation. Not only can advanced management talents and management systems not be introduced, but the existing talents will also be gradually lost, which will further lead to a more chaotic state of new business and asset management, resulting in a vicious circle, which will eventually make these financial leasing companies withdraw. Other leasing companies with perfect management systems can continue to attract talents with management experience, and maintain market expansion and their own rapid development. After the truly competitive financial leasing companies have matured (which shows that the industry reshuffle and industry integration we mentioned have been initially completed), the leasing projects and assets have been well controlled, the personnel level has been improved, the system and business processes have been improved, domestic investors have gradually matured, and domestic enterprises have gradually accepted the financing method of financial leasing. At that time, the financial leasing industry has really developed, with wider financing channels, higher customer quality and stronger asset management capabilities of leasing companies. This is what we are talking about.
Internet finance is also an important way to broaden the financing channels of financial leasing companies. At present, financial leasing companies raise nearly 20 billion yuan per month through the Internet financial platform, with a considerable growth rate. However, due to the rapid development of internet finance, there is still room for improvement in market rules such as the pricing of financial leasing assets and risk rating. Therefore, all participants need to constantly improve the market mechanism and find more standardized solutions for financial leasing assets, so as to better promote the development of the market and give more powerful support to financial leasing enterprises. At the same time, a more standardized Internet financial market will help institutional investors to participate in it and gain stronger investment protection from institutional investors.
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