金融租赁

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中关村科技租赁(01601)与地上铁绿色科技(深圳)及9家附属公司订立融资租赁协议
智通财经网· 2025-09-16 14:07
智通财经APP讯,中关村科技租赁(01601)发布公告,于2025年9月16日,公司作为出租人分别与地上铁 绿色科技(深圳)股份有限公司及9家附属公司共订立10份融资租赁协议(十份融资租赁协议),据此,(i)出 租人将购入地上铁绿色科技(深圳)股份有限公司及9家附属公司的新能源物流车,转让价款合计为人民 币2823万元;及(ii)出租人将新能源物流车租回给入地上铁绿色科技(深圳)股份有限公司及9家附属公司, 租赁期均为36个月,总租赁款项共计人民币3082.13万元,包括融资租赁本金共计人民币2823万元及融 资租赁利息收入(含增值税)共计人民币259.13万元。 融资租赁协议73至融资租赁协议82的租赁资产均为新能源物流车。 公司的主要业务为向客户提供融资租赁及咨询服务。订立融资租赁协议为公司部分日常及一般业务,预 期将为公司带来稳定收入及现金流。 ...
湍流中的重构(上):中国金融企业“四重挑战”和“四大机会”
科尔尼管理咨询· 2025-09-16 09:41
Core Viewpoint - Chinese financial enterprises are facing unprecedented challenges due to profound adjustments in the macroeconomic landscape, severe fluctuations in financial markets, and misalignment in policy cycles, necessitating a strategic reconstruction to achieve sustainable growth and resilience [1][3]. Group 1: Four Major Challenges Facing Chinese Financial Enterprises - The first challenge is the increasing uncertainty in the macroeconomic environment, complicating business growth and risk management [3]. - The second challenge involves stricter regulatory policies that reshape the balance between compliance and innovation [10]. - The third challenge is intensified market competition, which compresses traditional profit margins [13]. - The fourth challenge is the need for systemic restructuring in response to evolving development models [3][16]. Group 2: Macroeconomic Context - The global economy is characterized by "weak recovery and high differentiation," with the World Bank predicting a global GDP growth rate of only 2.3% by 2025 [4]. - China's economy continues to prioritize quality and efficiency, with a GDP growth of 5.3% in the first half of 2025, and high-tech manufacturing value-added increasing by 9.5% [4]. - The financing demand is deeply differentiated, with traditional sectors like real estate experiencing a 30% decline in financing demand, while emerging sectors see explosive growth [8]. Group 3: Regulatory Environment - Financial regulation has become increasingly stringent, with 2,755 penalties issued to banks in the first half of 2025, totaling 787 million yuan [11]. - Regulatory measures aim to guide financial resources towards key areas of the real economy, including technology finance and green finance [12]. Group 4: Market Competition - The financial industry is experiencing fierce competition, shifting from "expanding increment" to "competing for existing stock" [13]. - The number of financing leasing companies has decreased by 42% over the past five years, indicating a significant industry consolidation [14]. Group 5: Development Model Transformation - The financial sector is undergoing a fundamental shift from "scale-driven" to "value-creating" models, emphasizing digital transformation and industry integration [16]. - Financial technology investments among major banks exceeded 125.4 billion yuan in 2024, reflecting a growing focus on technology-driven business opportunities [28]. Group 6: Market Opportunities - Financial enterprises should focus on four types of market opportunities: cyclical, competitive, technological, and regional [19]. - Cyclical opportunities involve positioning for both upward and downward market trends, while competitive opportunities emphasize differentiation in a saturated market [21][23]. - Technological opportunities arise from the application of AI, blockchain, and big data, transforming financial services into a more efficient and integrated model [26][28]. - Regional opportunities highlight the importance of geographic strategy in capturing market potential and policy benefits [31][32].
金租公司撕下“类信贷”标签: 做设备买手、运营专家
Zhong Guo Zheng Quan Bao· 2025-09-15 22:33
"在船舶调度地图上,密密麻麻的绿色小点代表着所有运行的船舶,带有编号的橙色小点是我们自家的 船舶,这里还有风场、海浪、洋流、气压等数据,利用物联网技术,我们可对船舶运营进行实时监控和 预警。"近日,中国证券报记者走访北京一家金租公司时,相关负责人介绍,公司积极向直租、经营性 租赁模式转型,在船舶、飞机、户用光伏等领域做出了特色。 这是近两年金租行业转型发展的缩影。记者调研了解到,在监管部门倡导下,金租公司普遍主动收缩回 租业务,转而大力投入直租业务。有银行系金租公司人士告诉记者,回租是企业将自有设备出售给金租 公司来获取资金,再以租赁形式租回使用,聚焦盘活存量资产,"类信贷"特征明显;而直租聚焦解决企 业新设备采购需求,更贴合金融服务实体经济导向,这两年增长迅速。"简单来说,直租就是我们帮企 业买设备,企业再分期还钱给我们。"上述银行系金租公司人士说。 同时,经营性租赁越来越被行业重视,租赁物管理运营能力得到加强,金租行业越来越与产业相结合, 扎根产业。不过,业内人士也透露,直租业务流程比较繁琐,经营性租赁需要深度融入产业,金租公司 需全方位提升能力,面对业务转型中出现的挑战。 下场买设备回归"融物"初心 " ...
金租公司撕下“类信贷”标签:做设备买手、运营专家
Zhong Guo Zheng Quan Bao· 2025-09-15 20:22
"以往,金租公司做政府平台业务比较多,业务同质化严重,普遍存在'类信贷'思维,传统的售后回租 业务占比很高。这两年,特别是金租8号文出台后,行业扎堆转型显现,努力提高直租业务占比,在绿 色租赁、飞机、船舶、车辆等领域的竞争日趋激烈。"一位股份行系金租公司人士告诉记者。 "在船舶调度地图上,密密麻麻的绿色小点代表着所有运行的船舶,带有编号的橙色小点是我们自家的 船舶,这里还有风场、海浪、洋流、气压等数据,利用物联网技术,我们可对船舶运营进行实时监控和 预警。"近日,中国证券报记者走访北京一家金租公司时,相关负责人介绍,公司积极向直租、经营性 租赁模式转型,在船舶、飞机、户用光伏等领域做出了特色。 这是近两年金租行业转型发展的缩影。记者调研了解到,在监管部门倡导下,金租公司普遍主动收缩回 租业务,转而大力投入直租业务。有银行系金租公司人士告诉记者,回租是企业将自有设备出售给金租 公司来获取资金,再以租赁形式租回使用,聚焦盘活存量资产,"类信贷"特征明显;而直租聚焦解决企 业新设备采购需求,更贴合金融服务实体经济导向,这两年增长迅速。"简单来说,直租就是我们帮企 业买设备,企业再分期还钱给我们。"上述银行系金租公司 ...
中资美元债周报:一级市场发行量回升,二级市场小幅上涨-20250915
Guoyuan Securities2· 2025-09-15 09:28
1. Report Industry Investment Rating No industry investment rating information is provided in the report. 2. Core Viewpoints of the Report - Last week, the issuance volume in the primary market of Chinese offshore bonds rebounded, and the secondary market showed a slight increase. The yields of US Treasury bonds mostly fluctuated upwards. There were various macro - economic events globally, including inflation data, employment data, and central bank policies [1][2][4]. 3. Summary According to Relevant Catalogs 3.1 Primary Market - The issuance volume in the primary market of Chinese offshore bonds rebounded last week, with 11 new bonds issued, totaling approximately $3.02 billion. The largest issuance was an $800 million green bond issued by China Construction Bank Shipping and Aviation Financial Leasing [1][6][9]. 3.2 Secondary Market 3.2.1 Performance of Chinese USD Bond Indexes - The Bloomberg Barclays Chinese USD bond index rose 0.29% week - on - week, and the emerging market USD bond index rose 0.48%. The investment - grade index of Chinese USD bonds closed at 200.6015, with a weekly increase of 0.29%, and the high - yield index closed at 163.463, also with a weekly increase of 0.29%. - The Markit iBoxx Chinese USD bond return index rose 0.18% week - on - week. The investment - grade return index closed at 241.6623, with a weekly increase of 0.18%, and the high - yield return index closed at 245.3842, with a weekly increase of 0.20% [4][8][13]. 3.2.2 Performance of Various Industries of Chinese USD Bonds - The healthcare and materials sectors led the gains, while the consumer staples and real estate sectors led the losses. The yield of the healthcare sector decreased by 774.9 bps, and that of the materials sector decreased by 38.1 bps. The yield of the consumer staples sector increased by 927.5 bps, and that of the real estate sector increased by 43.5 bps [17]. 3.2.3 Performance of Different Ratings of Chinese USD Bonds - Investment - grade names generally rose. The yield of the A - rated bonds decreased by 15.2 bps weekly, and that of the BBB - rated bonds decreased by 2.5 bps. Most high - yield names rose. The yield of the BB - rated bonds decreased by 4.0 bps, and that of the DD+ to NR - rated bonds decreased by about 5.4 bps. The yield of non - rated names increased by 808.4 bps [19][20]. 3.2.4 Hot Events in the Bond Market Last Week - Fanhai Holding failed to repay RMB 32.865 billion in interest - bearing debts on schedule. - Zhengrong Real Estate had new progress in major enforcement information, with a target amount of RMB 614 million. - Longfor Group's overseas debt restructuring plan made significant progress, adding asset trust and convertible bond options [20][21][23]. 3.2.5 Rating Adjustments of Entities Last Week - There were multiple rating adjustments for companies such as Aomen Grand Lisboa, Huainan High - tech Holdings, Tencent Music, and others. The reasons for the adjustments included business performance, market position, and industry environment [25][27][28]. 3.3 US Treasury Bond Quotes - The report provides quotes for 30 US Treasury bonds with maturities over 6 months, sorted by yield to maturity from high to low [29]. 3.4 Macro Data Tracking - As of September 12, the yields of US Treasury bonds were as follows: 1 - year (T1) was 3.6507%, up 0.08 bps from last week; 2 - year (T2) was 3.5556%, up 4.64 bps; 5 - year (T5) was 3.6334%, up 5.17 bps; 10 - year (T10) was 4.0643%, down 0.99 bps [33]. 3.5 Macro News - US CPI in August was 2.9% year - on - year, in line with expectations. Initial jobless claims increased by 27,000 to 263,000, the highest since October 2021. - Trump criticized Fed Chairman Powell, stating that the US has "no inflation." - US PPI declined 0.1% month - on - month in August, against an expected increase of 0.3%. - US non - farm employment was revised down by 911,000 from March last year to March this year. - OPEC maintained its global crude oil demand growth forecast for 2025 and 2026. - The European Central Bank kept its three key interest rates unchanged. - Japan's Q2 real GDP was revised up to a 0.5% quarter - on - quarter increase and a 2.2% year - on - year increase. - China's CPI was flat month - on - month and down 0.4% year - on - year in August. The central bank announced that the cumulative increase in social financing scale in the first eight months of 2025 was RMB 26.56 trillion. - China's goods trade import and export value increased 3.5% year - on - year in August. - The growth rate of national enterprise sales revenue in August accelerated by 0.9 percentage points compared to July. - The comprehensive inventory coefficient of automobile dealers in August was 1.31, down 3% month - on - month and up 12.9% year - on - year. - China's automobile production and sales increased 13% and 16.4% year - on - year in August respectively. - After the "8·8" real estate policy in Beijing was implemented for a full month, the transaction volumes of new and second - hand houses increased [30][31][35][36][37][38][39][40][43][44][45][47][48].
四川天府金租10%股权遭司法拍卖,起拍价达1.26亿元
Zheng Quan Shi Bao Wang· 2025-09-15 06:49
人民财讯9月15日电,阿里司法拍卖平台信息显示,万腾实业集团有限公司持有的四川天府金租10%股 权将于10月中旬在该平台公开拍卖,起拍价达1.26亿元。天府金租由四川天府银行发起设立,于2016年 底正式开业,其中万腾实业持股10%。 ...
金融租赁行业总资产超4.5万亿元(财经短波)
Ren Min Ri Bao· 2025-09-14 22:34
Group 1 - The core viewpoint of the report indicates that the financial leasing industry in China is experiencing significant growth in both total assets and leasing asset balances, projected to reach 4.58 trillion yuan and 4.38 trillion yuan respectively by the end of 2024, with year-on-year growth rates of 9.56% and 10.24% [1] - The profitability of financial leasing companies has notably improved, with total profits expected to reach 76.244 billion yuan in 2024, reflecting a year-on-year increase of 13.36%, and net profits projected at 58.276 billion yuan, up 13.79% year-on-year [1] - Financial leasing companies are actively supporting national strategies and economic development, with aircraft and shipping businesses becoming key pillars; by the end of 2024, these companies are expected to be the largest holders of domestic aircraft orders, and domestic ships will account for the majority of new ship orders [1]
金融监管总局修订发布金融机构消费者权益保护监管评价办法
Xin Hua She· 2025-09-12 15:36
办法明确,金融机构消费者权益保护监管评价对象为"在中华人民共和国境内依法设立、由金融监 管总局及其派出机构依法监管的向消费者提供金融产品和服务的金融机构",将金融租赁公司、养老保 险公司等纳入评价范围。 新华社北京9月12日电(记者李延霞、张千千)记者12日获悉,国家金融监督管理总局近日修订印 发《金融机构消费者权益保护监管评价办法》,调整评价范围,优化评价要素,完善评价程序,督促金 融机构依法合规经营,切实维护金融消费者合法权益。 评价程序方面,办法将评价实施环节进一步细分为信息收集、初评、复评、审核等,并明确各环节 工作要求,强调复评、审核工作应当通过集体研究形式开展,体现评价工作的严谨性和严肃性。 办法加大对基层金融机构消保工作质效的考察,提高一级分支机构评价得分权重。办法明确,金融 监管总局及其派出机构应当根据消保监管评价结果,依法实施差异化监管措施,对于评价结果较好的金 融机构增加正向激励,对于评价结果较差的金融机构依法采取相应监管措施。 办法将评价要素调整为"体制机制""适当性管理""营销行为管理""纠纷化解""金融教育""消费者服 务""个人信息保护"7项要素,引导金融机构加强消保重点领域治理。 ...
今飞凯达:关于申请增加综合授信额度的公告
Zheng Quan Ri Bao· 2025-09-12 14:13
Group 1 - The company, Jinfei Kaida, announced on September 12 that it will hold the 26th meeting of the fifth board of directors on September 12, 2025 [2] - The board approved a proposal to apply for an increase in the comprehensive credit limit, allowing the company and its subsidiaries to apply for an additional credit limit of up to 60 million RMB [2] - The types of credit facilities include but are not limited to bank loans, bank acceptance bills, letters of credit, export invoice financing, and bill pledges [2]
金融机构消保监管评价对象扩围 金融租赁、养老保险公司被纳入
Zheng Quan Shi Bao Wang· 2025-09-12 12:29
Core Points - The Financial Regulatory Bureau has revised and released the "Regulatory Evaluation Measures for Consumer Rights Protection of Financial Institutions," expanding the evaluation scope to include financial leasing companies and pension insurance companies [1][2] - The evaluation criteria have been adjusted from six to seven key elements, including "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection" [1][2] - The evaluation process has been refined into distinct stages: information collection, initial evaluation, re-evaluation, and review, with an emphasis on collective research for the re-evaluation and review stages [1][2] Evaluation Weighting and Implementation - The evaluation score weight for primary branch institutions has increased from 40% to 50%, highlighting the importance of grassroots financial institutions in consumer protection work [2] - The Financial Regulatory Bureau's local agencies can adjust evaluation indicators based on the type, business model, scale, and customer demographics of financial institutions in their jurisdiction [2] - The evaluation results will lead to differentiated regulatory measures, providing positive incentives for institutions with good evaluation results and corresponding regulatory actions for those with poor results [2]