租赁业探索风控新路径 为发展筑牢安全屏障

Core Insights - The financing leasing industry is facing multiple challenges, including credit risk transmission from small and medium-sized enterprises, increased uncertainty in cross-border operations, and difficulties in verifying ownership of leased assets. As a result, the newly registered financing leasing amount in China is expected to decline by 12.6% year-on-year in the first half of 2025 [1][2]. Group 1: Industry Challenges - The financing leasing sector primarily serves small and medium-sized enterprises, which are more vulnerable to risk during economic downturns, testing the risk control capabilities of these companies [2]. - The newly registered financing leasing amount reached 15.2 trillion yuan in the first half of 2025, reflecting a 12.6% year-on-year decrease, attributed to cautious risk management within the industry [2]. - Traditional business models, particularly reliance on credit-based sale-leaseback arrangements, have exacerbated risk accumulation, with many companies struggling to adapt to new models [2]. Group 2: Risk Management Initiatives - Industry stakeholders are actively exploring new risk management pathways through policy enhancement, technological empowerment, and business model innovation [3]. - The Tianjin municipal government is committed to supporting the financing leasing industry by improving policies and optimizing the business environment to ensure high-quality development [3]. - The People's Bank of China and other departments have advocated for the use of technologies such as big data and artificial intelligence to streamline processes and enhance efficiency in serving small and medium-sized enterprises [3]. Group 3: Technological Solutions - Some technology companies have developed innovative solutions to address ownership verification risks, significantly reducing the time required for asset checks from 1-2 days to under 1 hour, with some scenarios taking only 1 minute [4]. - Over 50 leasing companies have implemented a system that intercepted 162,000 high-risk assets and facilitated financing exceeding 508 billion yuan, effectively mitigating the risk of duplicate registrations [4]. Group 4: Future Outlook - The Tianjin Leasing Industry Association emphasizes the importance of self-regulation and standardized operations among member companies to strengthen risk defenses [5]. - The financing leasing industry is expected to solidify its risk management foundation while supporting the real economy, aiming for sustainable development and enhanced risk control capabilities [5].