【深聊数字化第二季】第三期：数字化破解融资租赁五大难题

Group 1 - The industry faces low operational efficiency due to market information asymmetry, making it difficult for business personnel to accurately understand customer needs, leading to lengthy internal due diligence and approval processes [1] - Weak risk control capabilities are prevalent, especially in inclusive finance, where the ability to verify and analyze data for numerous small and medium enterprises is insufficient, resulting in increased risks [2] - The liquidity of assets in the financing leasing sector is poor, as the long leasing periods (typically 3-5 years or even 10-20 years) and the non-standard nature of most products complicate asset turnover [3] Group 2 - Compliance costs for financing leasing companies are rising, with the need to provide various regulatory reports, which, while increasing costs, also enhances compliance management [4] - There is a serious issue of service homogenization in the industry, as companies rely heavily on similar models for risk assessment and due diligence, leading to a lack of innovation and insufficient data collection [5] - These five challenges are interconnected, creating a web that constrains industry development, with digitalization seen as a potential solution to break through these barriers [6]