融资租赁挺进“专精特新”新蓝海

Core Insights - The leasing industry is increasing its service and penetration for "specialized, refined, characteristic, and innovative" (referred to as "专精特新") small and medium enterprises (SMEs) as the number of such enterprises surpasses 140,000 [1][3] - Financing leasing has become a crucial tool for "小巨人" (small giant) enterprises to overcome funding bottlenecks, with 1,320 such enterprises engaging in financing leasing activities, resulting in 5,542 transactions totaling approximately 74.33 billion yuan [1][3] - The average R&D expenditure of "小巨人" enterprises is over 31 million yuan, with R&D investment accounting for 8.9% of their total revenue, highlighting their significant funding needs [3][4] Group 1: Industry Trends - As of 2024, 281 financing leasing companies provided 5,542 financing services to "小巨人" enterprises, indicating a diversified market landscape [3] - The financing leasing sector is increasingly focusing on projects that traditional financial institutions are either unable or unwilling to undertake, particularly those involving small financing amounts and higher risks [2][5] - The manufacturing sector constitutes nearly 50% of provincial "专精特新" SMEs, with 65% of "小巨人" enterprises being in manufacturing, suggesting a strong alignment between financing leasing and manufacturing needs [5][6] Group 2: Financing Solutions - Financing leasing companies are developing customized solutions to address the unique needs of "专精特新" enterprises, which often face long project cycles and high risks [2][6] - The "以租代购" (rent-to-own) model is being utilized to alleviate funding pressures for equipment upgrades and technology development in "专精特新" enterprises [4][5] - Risk management in financing leasing is evolving to focus on future industry trends and the technological competitiveness of enterprises, moving away from traditional credit-based assessments [7]