融资租赁是否需要资质2025年

Group 1 - The core viewpoint of the article emphasizes the necessity of obtaining relevant qualifications for companies to legally operate in the financing leasing industry in China [1] - Different types of financing leasing companies are subject to varying qualification requirements, with financial leasing companies requiring approval from the CBIRC, domestic pilot financing leasing companies needing approval from the Ministry of Commerce, and foreign financing leasing companies following a record-filing system [3] - Financial leasing companies have the highest establishment threshold, requiring the main initiator to be a commercial bank and a minimum registered capital of 100 million RMB, while domestic pilot financing leasing companies require a registered capital of 170 million RMB, and foreign financing leasing companies only need 1 million USD [4] Group 2 - In addition to company-level qualifications, personnel engaged in financing leasing must also possess relevant qualifications, including passing financial knowledge training and understanding operational norms [5] - Financing leasing companies must obtain specific industry operating licenses for their business operations, such as a medical device operating license for medical equipment leasing and relevant automotive financial qualifications for vehicle leasing [7] - Engaging in financing leasing business without the necessary qualifications can lead to severe penalties, including cessation of operations, confiscation of illegal gains, fines, and potentially criminal liability for serious violations [8]