融资租赁作为一种特殊的金融业务，在我国确实需要取得相应资质才能合法经营。根据现行监管规定， 从事融资租赁业务的企业必须获得相关金融许可。 融资租赁行业的准入门槛 业务开展的具体资质要求 除了公司层面的准入资质外，融资租赁业务人员也需要具备相应资格。从业人员应当通过相关金融知识 培训，了解融资租赁业务操作规范。 在具体业务操作中，融资租赁公司还需要取得特定行业的经营许可，比如医疗器械融资租赁需要医疗器 械经营许可证，汽车融资租赁需要相关汽车金融资质。 有需要收购《融资租赁公司牌照》联系我。我们将为您提供专业的估值服务和交易支持。 不同类型的融资租赁公司适用不同的资质要求。金融租赁公司由银保监会审批，内资试点融资租赁公司 由商务部审批，外资融资租赁公司则实行备案制。 三类融资租赁公司的资质差异 金融租赁公司设立门槛最高，要求主发起人必须是商业银行，且注册资本最低1亿元人民币。这类公司 可以从事同业拆借等金融业务，监管最为严格。 内资试点融资租赁公司要求注册资本达到1.7亿元人民币，且需由商务部审批。外资融资租赁公司注册 资本要求较低，只需1000万美元，但必须由境外投资者设立。 违规经营的严重后果 未取得资质擅自 ...

Core Points - The article outlines the essential requirements for applying for a financing lease license in China, including capital, company name, shareholder structure, and management team qualifications Group 1: Company Establishment Requirements - The registered capital must be fully paid and not less than 170 million RMB [1] - The company name must include "financing lease" to clarify its business nature [1] - The shareholder structure must be clear, and foreign shareholders must comply with foreign investment industry policies [1][3] Group 2: Shareholder Qualification Review - Major shareholders must have a good financial status and continuous funding capability, with profits for the last three consecutive years [4] - Corporate shareholders must have a net asset of no less than 50 million RMB [4] - Individual shareholders need to provide detailed proof of fund sources to ensure legality [4] Group 3: Business Development Planning Requirements - The application must include a detailed business development plan, specifying market positioning, target customer groups, and risk control measures [5] - The business model should clearly outline the range of financing lease objects and funding sources [5] Group 4: Risk Management and Information Systems - A comprehensive risk management system is required, including credit risk assessment, management of leased items, and overdue handling processes [7] - The information system construction plan must meet operational and regulatory reporting requirements [7] Group 5: Regulatory Approval Process - The application process typically takes 6 to 12 months, starting with submission to local financial regulatory authorities [8] - Initial review by local authorities is followed by submission to national financial regulatory bodies for final approval [8]

随着行业需求不断扩展，金融租赁租赁物类别也在不断扩围。2024年12月，临港新片区出台《中国（上 海）自由贸易试验区临港新片区促进融资租赁业高质量发展的若干措施》，提出深化金融租赁项目公司 设备租赁业务创新。 试点具体内容包括：一是支持金融租赁公司在临港新片区开展项目公司业务创新试点，以及以设立项目 公司方式开展新能源产业设备、动力电池、智能制造设备、工业母机融资租赁业务。二是适用对象不仅 限于上海辖内机构，而是面向全国的金融租赁公司。三是要求上海金融监管局会同临港新片区管委会做 好动态监测和风险评价，指导相关金融租赁公司积极发挥融资租赁特色优势，结合自身资源禀赋，用好 用足相关政策，加快支持上海国际金融中心建设。 新华财经上海7月17日电（记者 杨有宗）记者17日从上海自贸试验区临港新片区管委会获悉，临港新片 区金融租赁项目公司扩大业务范围试点，将原金融租赁项目公司租赁标的物范围放宽至新能源、动力电 池、智能制造、工业母机等四种设备，且业务主体放宽至全国范围金租在临港设立的SPV。 活动现场，交银金租、农银金租、招银金租、太平石化金租、浦银金租、长江金租6家金租公司作为首 批试点企业正式签约。 近年来，融资 ...

Group 1 - The transfer process involves internal decision-making, requiring approval from the board or shareholders, especially for state-owned assets or special industries [1] - The transferor must ensure the clarity of ownership by organizing relevant documents such as financing lease contracts and payment records [2] - A third-party institution should be commissioned to evaluate the current value of the leased items and the remaining rental income [3] Group 2 - The transfer announcement must be published through compliant channels, detailing the leased items, remaining contract duration, and qualification requirements for the transferee [4] - The transferee is allowed to conduct due diligence, reviewing contracts and evaluation reports, and may inspect the leased items if necessary [5][6] Group 3 - The transfer price is typically negotiated based on unpaid principal, equipment residual value, and market conditions, using either bidding or negotiation methods [7] - A transfer agreement must be signed, clarifying the rights and obligations of both parties, including debt transfer and rental collection timelines [8] Group 4 - The transferor must notify the original lessee in writing to complete the debt transfer notification process [9] - Legal procedures such as ownership transfer and mortgage registration changes must be handled as necessary [10] Group 5 - The transferor should retain all transaction documents for future reference and assist the transferee in addressing transitional issues [11] - After assuming contract rights, the transferee can legally exercise rights related to rent collection and equipment disposal [12]

Group 1 - The core initiative of shared external debt quotas between parent and subsidiary companies in the leasing sector aims to facilitate cross-border financing for various enterprises [1][2] - As of May 2025, a total of 10.04 billion USD has been shared among four leasing parent and subsidiary companies, demonstrating the practical success of this policy [1] - The shared external debt quota allows subsidiary companies to utilize unused quotas from parent companies, thereby expanding financing channels for leasing companies [1][2] Group 2 - The shared external debt quota system enhances the ability of leasing companies to tap into both domestic and international markets, addressing the limitations of their own capital [2] - A notable case in 2024 involved a leasing company in Zhejiang that secured a shared external debt quota to finance a 4,500-ton asphalt oil ship, showcasing the new financing avenues opened by this initiative [2] - This innovation in the financial system reflects China's practical wisdom in financial openness, aiming to break down capital flow barriers while ensuring risk control [2] Group 3 - The release of micro-level entities' vitality is expected to shift the leasing industry from scale expansion to quality improvement, providing replicable institutional models for cross-border financial service innovation [3] - With more stable cross-border funding support, leasing companies will enhance their capabilities in servicing high-end equipment manufacturing and green energy sectors [3] - Financial resources will be more precisely injected into key links of the industrial chain, promoting overall industry growth [3]

作者 | 资讯社 来源 | 租赁杂谈 今年以来，上海监管已多次发布有关通知，持续发力清退非正常经营类融资租赁公司。 公示名单包括"失联""空壳"融资租赁公司共821家，上海市地方金融管理局在发文中责请名单中企业主动申请注销或通过 变更企业名称和经营范围的方式退出行业。" 公示期满后，我局将对名单中企业采取进一步监管措施。" 上述名单与年初上海市地方金融管理局发布非正常经营类融资租赁公司名单有较高比例重合，可以看出上海市监管方面 对于劝退非正常经营类融资租赁公司的监管动作持续发力。 2025年1月9日，上海市地方金融管理局发布《关于更新非正常经营类融资租赁公司名单的公告》，将截至2024年末非正 常经营类融资租赁公司名单面向社会公告，共846家融资租赁公司在列。 该次公示的名单内公司涉及以下一项或多项非正常经营具体情形：1）无法（与公司实际控制人）取得联系；2）无从事 融资租赁业务相关资质证明；3）已报送经营数据显示6个月以上未实际开展融资租赁相关业务；4）未按监管要求报送经 营情况及相关数据；5）存在重大违规情形。 01 800多家融资租赁公司被监管劝退 近日，上海市地方金融管理局官网更新发布截至2025年5 ...

Group 1 - The National Financial Regulatory Administration's Shanghai Bureau has imposed penalties on China Merchants Jinling Financial Leasing Co., Ltd. for violations related to leasing public assets and conducting illegal leaseback transactions [1] - The company was fined 800,000 yuan for using public assets as leasing objects and conducting illegal leaseback business, while a senior manager was fined 50,000 yuan and warned [1] - The regulatory framework prohibits financial leasing companies from using public assets, incomplete ownership properties, or properties with ownership defects as leasing objects [1][2] Group 2 - In 2023, the National Financial Regulatory Administration has issued 14 penalties in the financial leasing sector, totaling 6.9 million yuan, affecting 8 leasing companies and 6 related individuals [2] - Xiamen Financial Leasing Co., Ltd. was fined 2.4 million yuan for inadequate management of shareholder equity and improper leasing asset management [2] - Guangdong Yuecai Financial Leasing Co., Ltd. faced a total penalty of 1.3 million yuan for imprudent financing practices and misuse of leasing funds [2][3] Group 3 - Tibet Financial Leasing Co., Ltd. had its financial license revoked due to serious violations including fabricating false transactions and failing to maintain prudent operational practices [3]

Industry Overview - The financing leasing industry is defined as a non-bank financial form where the lessor purchases the selected leased object from a third party at the request of the lessee and enters into a lease contract to rent it to the lessee for a fee [1] - Financing leasing can be categorized based on the nature of the enterprise into financial leasing, domestic leasing, and foreign leasing [2] Industry Chain Analysis - The industry chain involves three main parties: suppliers, lessors, and lessees. The upstream includes suppliers and banks providing financial support, the midstream consists of financing leasing companies, and the downstream lessees are primarily in sectors like aviation, construction, printing, medical, and automotive leasing [3] Industry Development History - The financing leasing business in China began around 1980, transitioning through various phases including initial growth, adjustment, and regulation. From 2011 to 2017, the industry experienced rapid growth, but since 2018, the number of enterprises has stabilized, and the total balance of leasing contracts has slightly declined, indicating a period of adjustment [7] Policy Background - The National Financial Regulatory Administration is the main regulatory body overseeing the financing leasing industry, responsible for formulating and implementing operational and regulatory rules. Recent government policies have focused on supporting green financing, equipment financing, and financing for small and medium-sized enterprises [10][12] Current Industry Status - The total balance of financing leasing contracts has been declining since 2019, with an estimated balance of approximately 54,600 billion RMB by the end of 2024, reflecting a decrease of about 1,800 billion RMB or 3.2% from 2023 [13] - Financial leasing continues to dominate the market, accounting for 43.0% of the total contract balance, while domestic leasing holds 35.5% and foreign leasing 17.3% as of mid-2024 [14] - The number of financing leasing enterprises is approximately 8,671, showing a stable trend overall [16] - Foreign leasing enterprises remain a significant force, but their proportion has slightly decreased, with domestic leasing enterprises increasing from 2.86% in 2016 to 5.19% by mid-2024 [17] Market Scale and Competition - The financing leasing market in China has shown stable demand, with a projected scale exceeding 30 trillion RMB in 2024. Major players include companies like Far East Horizon, China Merchants Jinling, and Industrial Bank Leasing [25] - The competitive landscape is characterized by a multi-tiered structure, with high-end markets predominantly led by international brands [21] Future Development Trends - The financing leasing industry is expected to evolve towards greater standardization, greening, digitization, and concentration, adapting to policy and market changes to promote sustainable growth [27][28] - Despite a slowdown in overall development since 2024, the market demand remains stable, with an anticipated annual growth rate of around 5% over the next six years [31]

Core Viewpoint - The Tianjin Financial Regulatory Bureau is promoting "blue finance" to support sustainable marine economic development and enhance the integration of port, industry, and city in Tianjin, aiming to build a world-class smart and green hub port [1] Group 1: Blue Finance Initiatives - The Tianjin Bureau is guiding financial institutions to align with international standards to improve blue finance services for the marine economy and port-city integration [2] - A loan service and management information sharing mechanism for key projects in port-city integration has been established, with a loan balance of 32.674 billion yuan as of the end of Q1 [2] - Shipping insurance has been expanded to support foreign trade, with a total risk coverage of 855.205 billion yuan and claims paid amounting to 21.3 million yuan from January to April [2] Group 2: Financial Leasing and Support - Financial leasing companies are being encouraged to support local shipping industry development, with a water transport equipment asset balance of 152.311 billion yuan, reflecting a 2.14% increase since the beginning of the year [3] - Innovative service models are being developed, such as a collaboration mechanism among banks, insurance, and leasing to support cross-border leasing with financing of nearly 200 million USD [4] Group 3: Environmental and Risk Management - The Tianjin Bank has introduced eco-environmental oriented development loans totaling 515 million yuan to address funding needs for ecological protection [4] - Special war insurance has been provided for ocean-going vessels registered in Tianjin Port, offering 28 million USD in war risk coverage to mitigate financial impacts from extreme events [5] Group 4: Strategic Development - Financial leasing is facilitating the implementation of national strategies like "national ships, national manufacturing," with a notable project involving a 3.5 billion yuan leasing agreement for three large container ships [6]

Summary of Key Points Core Viewpoint - The financing leasing industry in China has seen significant growth, with over 20 listed companies, primarily concentrated in the Hong Kong market due to its more flexible listing environment compared to mainland China [1]. Group 1: Overview of Listed Companies - The majority of financing leasing companies are listed in Hong Kong, where the listing requirements are relatively lower, attracting many firms to seek financing through this market [1]. - Only two financing leasing companies, Bohai Leasing and Jiangsu Jinzu, have successfully listed in the A-share market due to stricter regulations [1]. Group 2: Company Profiles and Business Layout - Jiangsu Jinzu (600901.SH) is a leading financial leasing company focusing on automotive finance and green energy, backed by strong shareholders [2]. - Guoyin Jinzu (01606.HK) is a top financial leasing company, globally leading in aircraft leasing [2]. - Bohai Leasing (000415.SZ) is a global leader in aircraft and container leasing, with a significant asset scale [5]. - China Aircraft Leasing (01848.HK) is the largest independent aircraft leasing company in China and the first listed in Asia [5]. - Far East Horizon (03360.HK) is a comprehensive financing leasing leader covering multiple sectors including healthcare and education [5]. Group 3: Financial Performance and Business Metrics - The revenue of Bohai Leasing for 2024 is projected at 384.31 billion, while Far East Horizon is expected to generate 377.49 billion [6]. - Guoyin Jinzu anticipates a revenue of 120.92 billion with a net profit margin of 15.88% for 2024 [14]. - Jiangsu Jinzu's revenue is projected at 39.59 billion with a net profit margin of 56.25% [14]. - The financing leasing business of China Aircraft Leasing is expected to generate 43.50 billion (HKD) with a net profit margin of 7.49% [14]. Group 4: Future Business Plans and Strategies - Jiangsu Jinzu plans to deepen its equipment leasing business and expand its customer base among small and medium enterprises [17]. - Guoyin Jinzu aims to focus on digital transformation and expand its vehicle retail financial services [17]. - Bohai Leasing intends to optimize its business structure and explore new areas such as green leasing [17]. - Far East Horizon will continue to deepen its presence in healthcare, education, and infrastructure sectors [17]. - China Aircraft Leasing plans to enhance its aircraft leasing capabilities and explore new business models [17]. Group 5: Industry Trends and Developments - The financing leasing industry is increasingly focusing on technology empowerment and digital transformation to support the real economy and green development [15]. - Companies are expected to enhance risk management and compliance to improve their core competitiveness and market influence [15].