2026年1月起融资租赁新规实施，老板们借钱办事更省心了

Core Viewpoint - The new regulations effective from January 1, 2026, will significantly improve the financing leasing process for small and medium-sized enterprises (SMEs) in China, making it easier to rent equipment and secure loans while ensuring better protection and transparency in contracts. Group 1: Equipment Leasing - Financial leasing companies are now required to verify the condition and ownership of equipment before leasing, ensuring that businesses receive functional and legitimate machinery [4] - Leasing companies must maintain and insure the equipment, relieving businesses from repair costs and production delays due to equipment failures [4] - Contracts must clearly specify rental terms, including payment amounts and durations, preventing arbitrary changes by leasing companies [4] Group 2: Loan Renewal - All legally operating businesses, regardless of size, can apply for loan renewals without the previous bureaucratic hurdles, with banks required to respond within 30 days [6] - Banks are prohibited from downgrading a business's credit rating during the renewal process if the business has maintained a good repayment record [7] - Businesses in essential service sectors can benefit from government subsidies on interest payments, reducing their financial burden [7] Group 3: Compliance and Responsibility - Businesses must provide accurate information when renting equipment or applying for loans; dishonesty can lead to denial of services and future credit issues [9] - Companies are responsible for the proper use of rented equipment; intentional damage will incur costs to the business [9] - Loan funds must be used appropriately for operational expenses, with misuse leading to penalties and loan recovery by banks [9]