本期债券所募资金将精准投向制造业、文化旅游、能源环保等领域的中小微企业融资租赁项目，精准对 接国家扶持实体经济导向，将有效缓解企业"融资难、融资贵"问题。国泰海通表示，公司始终坚持金融 服务实体经济，通过构建全链条综合金融服务体系，推动金融资源精准滴灌中小微企业，通过债券市场 创新金融工具促进资本与产业深度融合，为实体经济高质量发展提供持续动能。 中证报中证网讯（记者 林倩）近日，重庆银海融资租赁有限公司在上海证券交易所发行中小微企业支 持债券。本期债券发行规模10亿元，是重庆市首单中小微企业支持债券，由国泰海通担任牵头主承销商 和簿记管理人。 根据介绍，银海租赁成立于2005年，是全国第二批、西南地区首家内资试点融资租赁公司，目前是重庆 市融资租赁行业协会会长单位，中国外资租赁委员会副会长单位。企业专注融资租赁主业，已形成直接 租赁、售后回租、经营性租赁和商业保理四大类经营产品，主要业务集中在先进制造、飞机物流、能源 环保、文旅融合和民生健康（301507）等5个领域。银海租赁深耕融资租赁主业，凭借融资租赁的金融 创新能力和功能优势，持续赋能地方经济发展，已累计服务客户超300家，提供融资租赁资金近350亿 ...

深耕绿色租赁，服务"双碳"战略：重点支持中部地区风电、光伏等新能源电站的建设，为清洁能源项目 提供从设备采购到电站运营的全周期金融服务。同时，支持工业企业进行节能环保技术改造，如余热发 电、废气处理设备的租赁。 综合服务方案，破解企业融资难题：针对中部地区大量中小企业和初创科技型企业"轻资产、缺抵押"的 特点，大力推广直接租赁帮助企业"添设备、上产能"，灵活运用售后回租助力企业盘活存量资产，缓解 资金压力。 聚焦区域战略，支持重点产业领域：紧密围绕中部地区各省份的产业规划，加大对设备制造、信息技 术、新能源、新材料等产业的资金支持力度，支持企业设备更新和产业升级。 中部地区承东启西、连南接北，在国家发展格局中具有重要战略地位。推动中部地区加快崛起，离不开 现代金融服务的强力支撑。金融租赁公司凭借"融资与融物"相结合的独特优势，正成为服务中部地区实 体经济发展的重要力量。 未来，兴业金租公司将继续深耕中部沃土，与中部地区同频共振，以更专业的服务、更创新的模式，为 中部地区加快崛起贡献坚实的金融力量。 兴业金租响应国家"中部地区加快崛起"的战略部署，通过"区域+行业+客户"资产构建模式，梳理中部地 区客户沙盘，2 ...

Core Insights - The automotive industry is undergoing deep adjustments and upgrades in its high-quality development process, with automotive finance being crucial for maintaining the smooth operation of the industry chain [1] - Policy measures are being implemented to strengthen financial support while ensuring risk management, establishing automotive finance as a foundation for both livelihood services and industrial development [1] - The dynamics of automotive finance are shifting from traditional credit growth and price competition to structural optimization and product innovation, with a notable transition from high-return competition to rational development [1] Group 1 - Automotive finance is evolving with a richer array of financial products, moving beyond traditional car loans to innovative models such as battery leasing, charging rights, and after-sales leasing [1] - The competition in the automotive finance market is intensifying, leading to compressed profit margins and increased complexity in risk management [1] - Consumer demands for convenience, transparency, and personalization in financial services are on the rise [1] Group 2 - Recommendations for further integration of automotive finance and the automotive market include a "deep integration" approach, ensuring financial services span the entire lifecycle of vehicles [2] - Emphasis on "technology-driven" solutions, utilizing big data, artificial intelligence, and blockchain to reshape the financial landscape and enhance efficiency [2] - Automotive finance is positioned to act as a "catalyst" and "accelerator" for green transformation, promoting the consumption and popularization of new energy and intelligent connected vehicles through innovative green financial products [2]

当前国内汽车行业正处于向高质量发展转型的深度调整期，作为连接汽车产业供需两端的汽车金融行 业，也进入到从规模扩张向质效提升发展的关键阶段。 11月26日至28日，中国汽车流通协会汽车金融分会举办的2025汽车金融产业峰会（以下简称"峰会"） 上，政府、协会以及银行、保险、汽车金融公司、汽车金融服务商等汽车金融市场主体，立足各自的市 场定位和资源禀赋，共同探索新的市场环境下，汽车金融行业发展的挑战、机遇和应对之道。 新能源汽车出海是当前汽车行业发展的主要趋势之一。在此背景下，如何为新能源车企出海提供优质的 金融服务，成为银行开拓汽车金融市场的新议题。 "出海的头部新能源车企的需求更多集中在顺畅的国际结算、报关、结售汇，以及海外市场拓展过程中 衍生出来的金融需求。"上海银行（601229）普惠业务部副总经理陈杰表示，对于汽车出口贸易领域内 缺资金的小企业，银行在考虑为这类企业提供融资服务时，也面临汽车出口海外后的风险把控问题等。 汽车金融行业"破局"增长 汽车金融行业进入理性发展阶段 "汽车金融发展动能正从传统信贷增长和价格竞争，转向结构优化和产品创新。"中国汽车流通协会名誉 会长沈进军表示，今年以来，汽车金融领 ...

Core Insights - The company, China Communications Finance Leasing (Guangzhou) Co., Ltd., achieved a significant milestone by surpassing a cumulative investment of 100 billion yuan, reflecting a 27% compound annual growth rate and a nationwide financial service network covering 21 provinces [1] Group 1: Urban Services - The company provided specialized funding through equipment leasing models to local thermal power enterprises in Xi'an, ensuring stable operation of winter heating systems for 1.15 million residents [2] - In Yunnan, the company invested 236 million yuan in the "One Water Two Waste" project, which has a daily sewage treatment capacity of 5,500 tons, benefiting 12 townships [2][4] - During the 14th Five-Year Plan period, the company has implemented over 3 billion yuan in ecological and environmental projects across various cities, enhancing urban infrastructure [4] Group 2: Advanced Manufacturing - The company contributed to the construction of a pile-driving vessel in the South Peng Island sea area, which is crucial for offshore wind power projects, capable of supplying electricity to 330,000 households annually [5][7] - In Xiamen, the company utilized operational leasing to revitalize a shield machine valued at 70 million yuan, facilitating the progress of key projects [5] - The company supported the procurement of new energy forklifts for Guangzhou France Co., Ltd., promoting equipment electrification and expected to reduce carbon emissions by over 2,000 tons annually [6] Group 3: Green Energy - The company injected 50 million yuan into a hydropower station in Yunnan using a sale-leaseback model, creating a new financing path for asset revitalization and capacity support [8] - In the commercial vehicle sector, the company collaborated with Lion Bridge Leasing to deploy 130 new energy heavy trucks, reducing diesel consumption by approximately 4 million liters and cutting CO2 emissions by 10,600 tons annually [8] - The company’s green energy investments exceeded 6 billion yuan during the 14th Five-Year Plan, focusing on solar energy, energy infrastructure, storage, and wind power [8] Group 4: Nansha Plan - The company plays a crucial role in the development of the Nansha International Cruise Home Port, which has an annual throughput of 750,000 passengers, fostering new growth points in the cruise economy and marine tourism [9] - The company has invested 42.9 billion yuan in the Guangdong-Hong Kong-Macao Greater Bay Area and the Yangtze River Delta, with a compound annual growth rate of 23%, primarily supporting infrastructure, urban development, and industrial upgrades [9] - The company was a pioneer in implementing the "Climate Financing + Rural Revitalization" sustainable development loan, linking financing costs to corporate sustainability performance [9] Conclusion - The company’s journey from 100 billion to 1 trillion yuan signifies not just numerical growth but a renewed commitment to serving national strategies and empowering the real economy, marking a new starting point rather than an endpoint [10]

Core Insights - Financing leasing is becoming an essential support for business development, providing flexible and diverse financing options for enterprises [1] - Zhongjin International Leasing Co., Ltd. has established itself as a mature brand since its inception in 2011, focusing on comprehensive and customized financing leasing solutions for various enterprises [1] Group 1: Company Overview - Zhongjin Leasing benefits from the strong industry background, excellent international reputation, and substantial capital strength of its parent company, Zhongli International Financing Leasing Co., Ltd. [3] - The company has built a highly professional team with strong service awareness and efficient business processes, enabling quick project approval and fund disbursement [3] Group 2: Service Offerings - Zhongjin Leasing targets small and medium-sized enterprises in various sectors such as transportation logistics, electronic manufacturing, textile printing, and light industry food, understanding the unique development characteristics and needs of different industries [3] - The company utilizes direct financing leasing and sale-leaseback models to create tailored financial service solutions for enterprises [3] - In direct financing leasing, enterprises can quickly obtain equipment usage rights by paying only a portion of the equipment price, allowing them to seize market opportunities and expand operations while mitigating the financial pressure of one-time capital investment [3] - The sale-leaseback model allows enterprises to convert fixed assets into liquid capital by selling their own equipment to Zhongjin Leasing and leasing it back, thus optimizing cash flow without disrupting normal operations [3] Group 3: Digital Services - Through the "Car Owner Finance" platform, Zhongjin Leasing offers convenient online automotive financing leasing services, enhancing efficiency and convenience in the leasing process [5] - The platform allows customers to easily complete financing applications, electronic contracts, and rental payments, while also providing real-time project tracking and repayment progress monitoring [5] Group 4: Future Outlook - After years of steady development, Zhongjin International Leasing has demonstrated strong capabilities and potential in expanding its business scale and improving service quality [5] - The company aims to continue adhering to the principles of professionalism, innovation, and service, enhancing service levels to provide high-quality and efficient financing leasing services to more enterprises [5]

Core Insights - The article emphasizes the critical role of small and micro enterprises in China's economy, with over 60 million such businesses driving social and economic development [1] - Specialized "little giant" enterprises are highlighted as key players in upgrading China's manufacturing sector, with financing leasing emerging as a vital tool for overcoming funding bottlenecks [1] - 仲利国际融资租赁有限公司 stands out among 281 financing leasing companies, having served 85 "little giant" enterprises, ranking fifth in the sector [1] Group 1: Financing and Support - From 2024 to mid-2025, 1,320 specialized "little giant" enterprises engaged in financing leasing, with a total contract amount of approximately 74.33 billion [1] - 仲利国际 has provided nearly 350 billion in funding to support the development of the real economy, focusing on manufacturing and other sectors [4] - The company has successfully assisted various enterprises, including a food-grade plastic packaging company, which expanded from 10 million to nearly 100 million in annual sales due to continuous support [2][4] Group 2: Technology and Innovation - 仲利国际 plays a significant role in supporting technology innovation, particularly for high-tech enterprises facing funding challenges during R&D phases [5] - A solar inverter manufacturer received 1.7 million in funding through a sale-leaseback arrangement, allowing them to clear 70% of small loans and enhance their cash flow for R&D [8] - The company has provided technology financial support to nearly 80,000 enterprises, facilitating industry upgrades and innovation [8] Group 3: Green Finance Initiatives - In the context of China's dual carbon goals, 仲利国际 is actively promoting green finance to assist small and micro enterprises in their transition to sustainable practices [9] - A logistics company successfully transformed into an environmental technology firm with the help of a 1.5 million financing lease for eco-friendly equipment [11] - The company integrates ESG principles into its operations, supporting low-carbon development and energy-saving initiatives [11] Group 4: Diverse Service Offerings - 仲利国际 addresses urgent funding needs for small and micro enterprises, exemplified by a home hardware export company that received 2.1 million to manage cash flow issues due to delayed payments [12][14] - The company’s rapid response to financial challenges demonstrates its commitment to providing timely and effective financial solutions [12][14] - By expanding service scenarios and innovating service models, 仲利国际 aims to build a robust support system for the sustainable growth of small and micro enterprises [14]

Group 1 - Guangdong Yaoda Financing Leasing Co., Ltd. is under investigation for serious job-related violations by the manager of its risk management department, Wu Haoye, who has voluntarily surrendered [1] - The company was established in November 2015 and is jointly funded by local state-owned enterprises and private companies, focusing on local entities, equipment manufacturing, and high-tech industries [2] - The main business activities include direct leasing, sale-leaseback, commercial factoring, and intellectual property financing leasing [2] Group 2 - Over the years, the company has established subsidiaries such as Guangdong Yaoda Commercial Factoring Co., Ltd. and Foshan Sanshui Yaoda Financing Leasing Co., Ltd. [2] - In 2019, the company led the establishment of the Foshan Financing Leasing Industry Association and served as the first president unit [2] - The company has been recognized for five consecutive years as "Foshan's Most Reputable Financing Leasing Company" and won the "2021 Outstanding Business Innovation Award in the Financing Leasing Industry" [2] Group 3 - The registered capital of the company is 600 million yuan, with total assets nearing 4 billion yuan, and it has invested over 10 billion yuan, with more than 95% directed towards the real economy [2]

Core Viewpoint - The importance of financial services in supporting the real economy is increasingly highlighted during China's economic transformation, with financing leasing emerging as a powerful tool to empower various industries [1]. Industry Pain Points and Innovations - High equipment acquisition costs and significant capital occupation are common pain points in traditional manufacturing, logistics, and healthcare sectors. For instance, individual drivers and small logistics companies often struggle to obtain traditional bank loans due to a lack of collateral, which severely restricts industry development. Financing leasing offers a new solution to this challenge [3]. Value Creation through Innovative Models - Modern financing leasing has evolved beyond simple equipment leasing to offer a variety of service forms. The integration of digital technologies such as IoT and big data enhances service efficiency. Leading financing leasing companies are actively building industrial ecosystems by collaborating with equipment manufacturers and technology service providers to offer one-stop services from equipment selection to financing solutions and operational maintenance. This collaborative model not only improves customer experience but also fosters value co-creation across the industry chain [4]. Future Outlook - As the demand for high-quality economic development increases, the financing leasing industry will face new opportunities and challenges. The need for equipment updates in new energy and energy-saving sectors under the "dual carbon" goals will create new growth points for the industry. Additionally, digital transformation will drive continuous innovation in service models. Financing leasing serves as a crucial link between finance and the real economy, providing not only financial support but also promoting resource optimization and industrial upgrading. The industry must deepen its understanding of the sectors it serves and innovate service models to truly empower the real economy [5]. Innovative Service Features - Operating leases allow companies to rent equipment as needed, avoiding significant capital lock-up. Sale-leaseback arrangements help companies activate existing assets and optimize financial statements. Risk-sharing mechanisms link rental payments to the effectiveness of equipment usage, reducing pressure on lessees. Real-time monitoring of leased asset status, dynamic assessment of lessee credit, and precise forecasting of equipment residual value significantly enhance risk management capabilities and operational efficiency [6].

Core Viewpoint - Financial capital is essential for supporting high-level technological self-reliance and innovation in China, as highlighted by the recent policy measures issued by multiple government departments [1] Group 1: Policy Measures and Financial Support - The policy measures aim to integrate various financial tools such as venture capital, bank credit, capital markets, technology insurance, and bond issuance to provide comprehensive financial services for technological innovation [1] - The goal is to guide long-term, patient, and quality capital into the technology innovation sector, establishing a diversified and multi-channel investment landscape [1] Group 2: Financing Leasing Sector's Role - Financing leasing institutions are increasingly contributing to the tech innovation sector, with a reported new investment of 145.25 billion yuan in 2023, reflecting a compound annual growth rate of 43.40% over the past three years [2] - The financing leasing industry is characterized by its ability to provide flexible and efficient financing solutions tailored to the needs of tech enterprises, particularly in high-investment and long-cycle projects [2][3] Group 3: Service Models and Strategies - Financing leasing companies are focusing on specialized services for tech enterprises, utilizing a range of products such as direct leasing, sale-leaseback, and operating leasing to meet the diverse needs of companies at different growth stages [3][4] - The industry is adapting its strategies based on the size and type of tech enterprises, emphasizing professionalism for large firms, scenario creation for medium-sized clients, and standardization for small tech firms [4][5] Group 4: Industry Insights and Future Directions - A deep understanding of the technological and operational characteristics of different sectors is crucial for financing leasing firms to effectively support tech enterprises [5] - The financing leasing sector is expected to innovate its business models, optimize risk management, deepen industry collaboration, and enhance digital transformation in alignment with the new policy measures [6]