本报电 近日，中国银行业协会发布的《中国金融租赁行业发展报告（2025）》显示，截至2024年末， 行业总资产和租赁资产余额分别达4.58万亿元和4.38万亿元，分别同比增长9.56%和10.24%。不仅资产 规模持续增长，金融租赁行业的盈利能力也显著回升。2024年，金融租赁公司实现利润总额762.44亿 元，同比增长13.36%；净利润582.76亿元，同比增长13.79%。报告显示，金融租赁公司积极服务国家战 略和经济社会发展，飞机、船舶业务形成支柱。截至2024年末，金融租赁公司已成为国产飞机订单的最 大持有者；在金融租赁公司新造船订单中，国产船舶已占绝大部分。（赵展慧） [ 责编：刘晗旭 ] ...

Core Points - The Financial Regulatory Bureau has released a revised "Regulatory Evaluation Method for Consumer Rights Protection in Financial Institutions" aimed at enhancing consumer rights protection in the financial sector [1][4][5] Group 1: Key Revisions - The evaluation scope has been adjusted to include financial institutions legally established in China and regulated by the Financial Regulatory Bureau, such as financial leasing companies and pension insurance companies [4] - The evaluation factors have been optimized to include seven elements: "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection," guiding financial institutions to strengthen governance in key consumer protection areas [4] - The evaluation process has been refined into stages: information collection, initial evaluation, re-evaluation, and review, with clear requirements for each stage to ensure rigor and seriousness in the evaluation work [4] Group 2: Implementation and Impact - The revised method emphasizes collaboration across different regulatory levels, enhancing the assessment of grassroots financial institutions' consumer protection efforts and increasing the weight of evaluation scores for primary branches [4] - The results of the evaluations will be utilized to implement differentiated regulatory measures, providing positive incentives for well-performing institutions and corresponding regulatory actions for those with poor evaluations [4][5] - The implementation of the revised evaluation method is expected to improve the behavior regulatory system, guiding financial institutions to integrate consumer rights protection into all business operations, ultimately enhancing consumer satisfaction and experience [5]

Core Points - The National Financial Supervision Administration has revised and issued the "Regulatory Evaluation Method for Consumer Rights Protection in Financial Institutions" [2] - The revised method includes financial leasing companies and pension insurance companies in the evaluation scope [3] - The evaluation elements have been adjusted to seven categories, including "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection" [3] Summary by Sections Evaluation Scope - The evaluation now explicitly includes financial leasing companies and pension insurance companies, which are regulated by the Financial Supervision Administration [3] Evaluation Elements - The evaluation elements have been optimized to seven categories, guiding financial institutions to strengthen governance in key areas of consumer protection [3] Evaluation Procedures - The evaluation process has been refined into stages such as information collection, initial evaluation, re-evaluation, and review, with clear requirements for each stage [3] Coordination and Collaboration - The method emphasizes the importance of collaboration across different levels of financial institutions, enhancing the evaluation score weight for primary branches [3] Utilization of Results - The Financial Supervision Administration will implement differentiated regulatory measures based on evaluation results, providing incentives for well-performing institutions and regulatory actions for those with poor evaluations [4] Financial Education Initiatives - A financial education campaign is set to take place from September 15 to 21, 2025, aimed at promoting financial knowledge and protecting consumer rights [6] - The timing of the revised evaluation method aligns with the upcoming financial education week, reinforcing the responsibility of financial institutions in consumer protection [6]

Core Viewpoint - The company announced a financing lease agreement with a total value of RMB 50 million, which is expected to provide stable income and cash flow for the group [1] Group 1: Financing Lease Agreement - The financing lease was established between the company's subsidiary, Green Gold Leasing, and the lessee, Chifeng Baoyuan Heating Co., Ltd [1] - The lease involves acquiring ownership of certain heating equipment and facilities located in Chifeng City, Inner Mongolia, China [1] - The lease term is set for five years, during which the assets will be leased back to the lessee for their use and possession [1] Group 2: Business Implications - The financing lease and associated documents are part of Green Gold Leasing's normal business operations [1] - The transaction is anticipated to contribute to the group's overall financial stability and cash flow generation [1]

Core Insights - The company actively responds to national inclusive finance policies by focusing on providing precise financial services to small and micro enterprises [1][3] - The company has served over 100,000 small and micro enterprises, with 42% of clients being first-time recipients of formal financial services, effectively broadening financing channels for these businesses [1] Service Innovations - The company's inclusive finance business has an annual growth rate exceeding 25%, with an average financing amount kept within 500,000 yuan, addressing the small, frequent funding needs of small and micro enterprises [3] - A differentiated credit assessment system has been established, utilizing a multi-dimensional credit evaluation framework to overcome traditional collateral limitations [3] - Customized financing solutions are developed for specific industries such as logistics and manufacturing, reflecting the unique characteristics of these sectors [3] - The company has implemented a fully digital service process, reducing average approval time to 48 hours [3]

Core Viewpoint - Puyin (Hainan) Leasing Co., Ltd. has been established, focusing on financial leasing services in bonded areas within China, fully owned by Shanghai Pudong Development Bank's leasing subsidiary [1] Group 1: Company Information - The legal representative of Puyin (Hainan) Leasing Co., Ltd. is Zhou Shunhua [1] - The company is registered with a capital of 1 million yuan [2] - The business scope includes establishing project companies for financial leasing in bonded areas [1][2] Group 2: Registration Details - The company was established on August 29, 2025, and has no fixed business duration [2] - It is located in Haikou City, Hainan Province, specifically in the Haikou Airport Comprehensive Bonded Zone [2] - The company is classified under the monetary financial services industry [2]

Core Points - Zhejiang Zheshang Bank signed a capital increase subscription agreement with its subsidiary Zhejiang Zheshang Financial Leasing Co., Ltd. on September 1, 2025 [1] - The bank will subscribe to 500 million newly issued shares at a price of 1.9875 yuan per share, totaling an investment of 999.375 million yuan [1] - Zhoushan Ocean Comprehensive Development Investment Co., Ltd. will subscribe to 200 million shares, while Zhejiang Provincial Innovation Investment Group Co., Ltd. did not participate in this capital increase [1] - The pricing for this capital increase is based on the assessed net asset value per share of Zheshang Financial Leasing at the end of 2024 [1]

Core Viewpoint - Zhejiang Zheshang Bank announced a capital increase subscription agreement with Zhejiang Yinjin Financial Leasing, which will result in the issuance of 700 million new shares at a price of RMB 1.9875 per share [1] Group 1: Capital Increase Details - The capital increase subscription agreement is set to be completed by September 1, 2025 [1] - Before the completion of the capital increase, Zhejiang Zheshang Bank, the Provincial Innovation Investment Group, and Zhoushan Haotou hold 51.00%, 29.00%, and 20.00% of Zhejiang Yinjin Financial Leasing, respectively [1] - After the completion of the capital increase, the expected shareholding will change to 54.00% for Zhejiang Zheshang Bank, with the other two stakeholders maintaining their respective shares [1]

Group 1 - The core viewpoint is that financing leasing plays a significant role in promoting the adoption of new energy vehicles (NEVs) by leveraging the advantages and resources of financing parties, manufacturers, and users, benefiting both consumers and enterprises [1] - Financing leasing separates "ownership" from "usage," alleviating consumers' concerns about ownership and mileage, and promotes innovative models such as public transportation procurement and vehicle sharing [1] - The state encourages the use of financing leasing to vigorously promote NEVs [1] Group 2 - The financing leasing model is a catalyst for accelerating the promotion of NEVs, but it remains a new concept in the domestic market, with existing collaboration methods facing challenges [3] - Issues include the instability of leased assets and uncertain residual values, necessitating solutions for daily maintenance, battery servicing, and uninterrupted operation of charging stations [3] - The depreciation and maintenance costs of vehicles and supporting infrastructure in public service sectors require significant investment and ongoing operational costs [3] Group 3 - The financing leasing business faces high operational risks and significant funding gaps, with a funding cost of 7%-8% and potential customer defaults [5] - Over 80% of the funds used for financing leasing investments come from banks, primarily through short-term loans, limiting the number of companies that can secure substantial bank credit or form strategic partnerships for lower interest rates [5] - There is a need to diversify funding channels for automotive financing leasing and attract various social capital [5] Group 4 - The company has been recognized as an "Innovative Breakthrough Enterprise in Financing Leasing" in Shaanxi Province and is listed among the top 50 in the industry [7] - The company aims to continue focusing on new energy, intelligent manufacturing, and high-end technology equipment, while expanding green leasing services to support high-quality development of the real economy [7] - The goal is to build a leading financing leasing value platform nationwide [7]

Core Viewpoint - The article discusses the transfer pricing process for financing leasing companies in Zhejiang Province, highlighting the ability to change ownership and the associated costs for acquiring a company on the whitelist [1] Group 1: Transfer Process - Financing leasing companies can undergo ownership changes [1] - Non-whitelist financing leasing companies are currently not accepting changes [1] - The estimated cost to acquire a whitelist leasing company in Zhejiang is around 1 million [1] Group 2: Approval Process - Changes in company registration, mergers, divisions, capital reduction, and changes in shareholders holding over 20% equity must be reviewed by the municipal bureau and reported to the provincial bureau for discussion [1]