Behind the high -speed growth of rental and corporate credit loans, the risks have spread to the financial leasing industry.

“Not only the risks of the traditional fintech credit industry have risen, but the risks of the financial leasing and financial leasing industries are also looking up.” A financial technology company executive pond (pseudonym) in charge of financial leasing business mentioned to Blue Whale Finance mentionedEssenceIt stated that last year, not only the overdue rate of consumer finance and loan -aid industries rose, but the overdue rate of the entire financial assets was also rising.

Financial leasing and financial leasing are different from ordinary credit. It is a financial means to promote the growth of enterprise development.

Players of financial leasing include two types: financial leasing companies and commercial leasing companies.

Financial leasing is usually a leasing service provided by financial institutions such as banks, insurance companies, and securities companies.They have strong capital strength and low financing costs, so they can provide large -scale financial leasing services.The main business of financial leasing companies is to purchase equipment or other assets, and then rent it to the required enterprises or individuals to collect rent as the main profit method.

Commercial leasing is mainly a leasing service provided by a special leasing company or equipment manufacturer.These companies usually have various types of equipment or assets, which can provide customized leasing solutions according to customer needs.The profit method of commercial leasing companies is also achieved by charging rent.

These two types of leasing players have their own advantages in the financial leasing market, forming a complementary competitive pattern.

When an enterprise wants to expand the production line, its production capacity cannot meet expectations.Enterprises do not want to invest funds at one time because this means huge risks, or there are not much flow funds on the book’s book.The funds of many entity companies are almost pressed on the supply chain.

As a result, financial leasing was born.

Chi Fei told Blue Whale Finance that the current revenue industry’s income is expected to be reduced, and the bad debt rate is rising.

The development of financial leasing has been developed today, the issue of corporate flow loans (mobile funds loans) has emerged endlessly, and financial leasing has been played by some companies as credit loans.”Last year, the scale of lease returned increased rapidly. The scale of corporate credit loans and corporate credit loans increased at high speed.” Chi Fei said.

“If the bad debt rate of financial leasing rises, the amount of funds related to the associatedly is terrible.” Chi Fei said that the current bad debt rate of the entire lease rising to about 1%, but under normal economic situation, this data should be from 7 ~ 8 to 8‰about.

Another senior person in the industry told Blue Whale Finance: “The basic data we communicate is almost the same, and the basic dynamic overdue rate will not exceed 5%, but the impairment is increasing.The left and right, the dial -up rate is 3%, mainly concentrated in the small and micro field. “

In August last year, multiple local financial regulatory bureaus conveyed the “Notice on Further Doing a Between Financial Leasing Companies Regulatory Work” to the financial leasing company within its jurisdiction.”Credit” business, “it is strictly forbidden to carry out non -device after -sales leases, and it is strictly forbidden to use antique jade, calligraphy, paintings, low -value consumables, and mobile phones as leased substances. It is strictly forbidden to over -reliance on evaluating the value of the leased objects.”

The Huaxia Times pointed out that the subtext of the policy is that it cannot do urban investment business.

Chi Fei also confirmed the above information, “Supervision has limited gold renting companies, and it is not allowed to do urban investment or political and letter projects.” It said that this has caused a big problem.decline.Because urban investment related projects are more than billions of assets, they are now prohibited from participation.Therefore, these gold rental companies have all brains to the track of commercial leasing to do the business of small and micro enterprises, but these businesses are used to look at it at all.

Gold Rental Company’s entry into the business rental track will inevitably compress the original market rental market.

Chi Fei added that last year, Golden Rent Company and Commercial Renting Company were fighting for a price war, but the cost of funds of Gold Rent Company was much cheaper than commercial rental.Gold rental funds are derived from banks, and they have the advantage of low capital costs. The funds of commercial rental are mainly derived from debt issuance, and the cost of financing in the market is much higher than financing to banks.

The high -quality small and medium -sized customer groups are taken under the Gold Rental Company, and most of the business rental companies in the market are facing commercial siege.

Therefore, the commercial rental company has to seek it separately, how to ensure that their market scale does not decrease?

Return to rent business, flow loan business.

The lease return business is divided into direct rent.The focus of direct leasing is to transfer the ownership of the leased property, but the focus of after -sales lease is to financing.

So what company will have to connect to the rental business?Most of them are small and medium -sized enterprises that cannot obtain loans in banks.

From this point of view, the financial leasing industry is facing the dual impact of policy regulation and market environment.With the strengthening of financial supervision, financial leasing companies will be more stringent supervision. Non -device after -sales lease returning business will be restricted, which will undoubtedly challenge the future development of the industry.However, this also provides an opportunity for the industry to promote financial leasing companies to pay more attention to the financing needs of small, medium and micro enterprises, and promote the development of the real economy.

At the same time, the adjustment of policy will also accelerate the competition and integration between financial leasing companies and commercial leasing companies.The cost advantage of Gold Rent Company makes it more competitive on the commercial rental track, while the commercial rental company needs to find new growth points in addition to the rental business and flow loan business.This competitive situation will promote the quality and efficiency of enterprises and promote the healthy development of the financial leasing industry.

In the long run, the financial leasing industry still has broad development space.With the advancement of technology and the expansion of the market, financial leasing will play a more important role and promote the large -scale growth and economic development of enterprises.However, the industry also needs to continuously adapt to changes under the dual influence of policy regulation and market environment, strengthen risk management, and improve service quality to achieve sustainable development.

Blue Whale Finance has compiled financial data from the head of financial leasing companies and financial leasing companies in the past three years.It can be seen from the data that the adverse rates of some leasing companies have increased, and the company needs to strengthen risk management and asset quality control.

In terms of ICBC Gold Rental, from 2021 to Q2 from 2023, its revenue was: 17.59 billion yuan, 17.98 billion yuan, and 9.166 billion yuan; net profit was: 2.1095 billion yuan, 204 million yuan, and 80.29 billion yuan; the receivable was received;The adverse rates of financial leasing are: 1.51%, 1.49%, and 1.51%.

In terms of national banking rent, from 2021 to 2023 Q2, its revenue was: 21.36 billion yuan, 22.76 billion yuan, and 10.806 billion yuan; net profit was: 1.95 billion yuan, 3.4 billion yuan, and 1.96 billion yuan; financial leasing for financial leasingBusiness non -performing asset rates are: 0.73%, 0.86%, and 0.86%; in 2022, the adverse rate of non -receiving financing leases is 0.73%.

In terms of Jiaoyin Gold Rental, from 2021 to Q2 from 2023, its revenue was: 21.33 billion yuan, 23.5 billion yuan, and 14.08 billion yuan; net profit was: 3.53 billion yuan, 3.81 billion yuan, and 2 billion yuan; receivables were received; receivables were received.The adverse rates of financial leasing are: 1.5%, 1.12%, and 1.08%; the coverage rate of non -performing financial leases is: 218.3%, 288.1%, and 244.3%; the balance of non -performing assets in Q3 in 2023 was 1.922 billion yuan.

In terms of recruitment of banks, from 2021 to Q2 from 2023, its revenue was: 13.85 billion yuan, 17.35 billion yuan, and 9.42 billion yuan; net profit was: 2.891 billion yuan, 3.274 billion yuan, and 1.617 billion yuan; the receivable was received.The adverse rates of financial leasing are: 0.39%and 0.36%(the adverse rate of non -disclosure of the receivable of the receivable of the receivable of the receivable of the financial lease is 0.36%at the end of 2022.), 0.27%; the net income is: 4.848 billion yuan, respectively., 6.493 billion yuan and 2.594 billion yuan; the coverage rate of non -performing financial lease leases was: 613.49%, 666.06%, and 762.03%.

In terms of Jianxin Gold Rental, from 2021 to 2022, its net income was: 3.9 billion yuan and 4.1 billion yuan; net profit was: 1.78 billion yuan, 810 million yuan;, 2.49%.In recent years, the scale of rental assets rented by Jianxin Financial has declined; the balances of non -performing assets were 1.207 billion yuan and 2.5063 billion yuan, respectively; the coverage rate was 562.38%and 263.28%.As of the end of 2022, the net leased assets were 119.652 billion yuan, a decrease of 6.70%year -on -year; in terms of financial leasing business, the net financial leasing assets at the end of 2022 were 1,02.946 billion yuan, a decrease of 10.78%year -on -year.It was 4.74%, a year -on -year decrease of 0.51 percentage points. The annual financial lease revenue was 5.177 billion yuan, a year -on -year decrease of 14.43%.In 2022, Jianxin Gold Rental revenue achieved a lease revenue of 7.269 billion yuan, a decrease of 5.97%year -on -year.

In terms of preparation, the risk exposure to the newly increased risk of Jianxin Gold Rent was exposed in 2022, and the quality of assets was declining.Jianxinjin Rental Dialing has improved the efforts. During the year, the amount of impairment of financial leasing for financial leasing was 2.577 billion yuan, an increase of 144.35%year -on -year, accounting for 70.25%of the previous profit, a significant increase of 39.50 percentage points year -on -year, profitable profitability, profitable profitability, profitable profitability, profitability for profitability.There is a large negative impact.Affected by the above factors, the company realized net profit of 813 million yuan in 2022, a significant decrease of 54.45%year -on -year, and the average asset return rate decreased by 0.72 percentage points to 0.62%from the previous year.%, The level of profit has declined significantly.

In terms of Yuandong Hongxin Co., Ltd., from 2021 to 2023, its revenue was: 33.6 billion yuan, 36.6 billion yuan, and 37.96 billion yuan; net profit was 5.5 billion yuan, 6.1 billion yuan, 6.2 billion yuan; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; financing received financing; he received financing.The adverse lease rates are: 1.06%, 1.05%, and 1.04%; the preparation coverage rates are: 242%, 240%, and 228%.

In terms of Bohai Leasing Co., Ltd., from 2021 to 2023 Q3, its revenue were: 26.79 billion yuan, 31.92 billion yuan, 9.63 billion yuan; the net profit of Q3 in 2023 was 320 million yuan.

In terms of State Grid International Financial Leasing Co., Ltd., from 2021 to 2022, its revenue was 5.309 billion yuan and 7.42 billion yuan; net profit was: 760 million yuan and 1.52 billion yuan;: 0.65%and 0.45%; the preparation coverage rate is 184.93%and 241.26%, respectively.

As for AVIC International Financial Leasing Co., Ltd. from 2021 to 2023, its net profit was: 1.991 billion yuan, 2.026 billion yuan, and 420 million yuan;; Dial coverage rates are: 244.39%, 279.4%, and 278.97%.

In terms of people’s livelihood, from 2021 to 2022, its revenue was: 7.375 billion yuan, 6.921 billion yuan; the net profit from 2021-2023 was 1.353 billion yuan and 1.037 billion yuan.

In terms of Huaxia Gold Rental, from 2021 to 2023 H1, its revenue were: 4.634 billion yuan, 4.402 billion yuan, and 2.883 billion yuan; net profit was 2.05 billion yuan, 2.505 billion yuan, and 1.386 billion yuan.

In terms of Puyin Gold Rental, from 2021 to H1 from 2021, its revenue was 3.906 billion yuan, 3.898 billion yuan, and 3.734 billion yuan; net profit was 896 million yuan, 1.02 billion yuan, and 672 million yuan.From 2021 to 2022, the non -performing loan ratio was 1.12%and 1.53%; the balance of non -performing assets was 887 million yuan and 1.332 billion yuan.

In terms of Everbright Gold Rental, from 2021 to 2023 H1, its revenue was 2.932 billion yuan, 3.494 billion yuan, and 1.729 billion yuan; net profit was 1.507 billion yuan, 1.766 billion yuan, and 915 million yuan.

In terms of Xingye Gold Rental, from 2021 to 2023 H1, its revenue was 3.421 billion yuan, 3.559 billion yuan, and 1.655 billion yuan; net profit was 2.25 billion yuan, 2.539 billion yuan, and 1.24 billion yuan.

In terms of Su Yinjin rent, from 2021 to 2023 H1, its revenue was 2.958 billion yuan, 3.3 billion yuan, and 1.912 billion yuan, respectively; its net profit was 1.456 billion yuan, 1.83 billion yuan, and 1.043 billion yuan; from 2021 to 2022 bad badThe loan rate is 0.53%and 0.51%.

In terms of Huayong Gold Rental, from 2021 to 2022, 7.665 billion yuan and 7.539 billion yuan were; net profit was 1.514 billion yuan and 1.214 billion yuan, respectively.The loan loan reserve rate in 2022 was 3.53%.

In terms of Yongying Gold Group, from 2021 to 2023 H1, its revenue was 2.647 billion yuan, 3.687 billion yuan, and 2.181 billion yuan, respectively; net profit was 1.087 billion yuan, 1.612 billion yuan, and 1.085 billion yuan.The non -performing deposit rate in 2022 was 0.08%.

江苏金租方面，2021年至2023年H1，其营收分别为39.41亿元、43.46亿元、24.12亿元；净利润分别为20.72亿元、24.12亿元、13.18亿元；不良存款率为0.96%, 0.91%, and 0.94%; the balance of bad deposits was 9.1%, 9.5%, and 10.71%, respectively.