2021年，海尔融资租赁资产增速较缓慢，资产增速为1.29%，2022年开始，海尔融资租赁资产增速明显 加快，2022至2023年，资产增速分别为9.81%、10.31%。 海尔金控是海尔集团旗下的金融品牌，目前注册资本约117.37亿元，业务涉及融资租赁、金融保理、金 融科技、PE/VC投资、产业并购、资产交易等领域，资产规模超千亿元。 近日，天眼查显示，海尔融资租赁注册资本由42.9亿元增至47.9亿元，增资5亿元，增幅约11.66%。 图片来源：天眼查截图 天眼查显示，海尔融资租赁成立于2013年，为海尔集团旗下企业，第一大股东为海尔集团（青岛）金盈 控股有限公司（本文称"海尔金控"）。 公开信息显示，近两年，海尔融资租赁已多次增资，分别于2023年12月、2024年10月增资10亿元、5亿 元。 海尔融资租赁为海尔金控旗下产业金融服务主体，业务范围涵盖智能制造、医疗健康、教育文化、农牧 食品、普惠金融等领域。目前该公司旗下有一家商业保理公司——上海睿海创世商业保理有限公司。 年报显示，2024年海尔融资租赁资产规模增长较快，海尔融资租赁总资产为221.15亿元，同比增长 22.79%；营业收入为14. ...

Core Viewpoint - Haier Consumer Finance plans to issue its first financial bond of 2025 with a scale of 1 billion RMB, marking another step in its financing efforts for the year [1][9] Financing Activities - The company previously issued 1.5 billion RMB in asset-backed securities (ABS) in March 2025 [1][9] - The financial bond will be issued from June 18 to June 20, 2025, with a three-year term and a minimum subscription amount of 10 million RMB [7][9] - The funds raised will be used to supplement medium to long-term capital and optimize the asset-liability structure [9][10] Company Background - Haier Consumer Finance was established in December 2014 and is the first consumer finance company in China initiated by an industrial group [8] - The company is backed by major shareholders including Haier Group, with a shareholding structure of 49%, 25%, 16%, and 10% respectively [8] Financial Performance - The company reported revenue growth from 1.71 billion RMB in 2022 to 3.17 billion RMB in 2024, with net profits increasing from 274 million RMB to 445 million RMB during the same period [10] - Total assets grew from 21.12 billion RMB in 2022 to 29.35 billion RMB in 2024, with loan balances increasing correspondingly [10] Business Strategy - The main business includes online cash loans and offline installment services, with online loans accounting for 81.90% of the total in 2024 [11] - The company plans to restart its home appliance installment business and enhance collaboration with the parent group [11] Risk Management - The company reported non-performing loan ratios of 2.35%, 2.34%, and 2.15% for the years 2022, 2023, and 2024 respectively [13] - Provision for loan impairment losses increased to 1.61 billion RMB in 2024, reflecting a 20.77% year-on-year growth [13] Market Trends - The issuance of financial bonds has become a common practice among consumer finance companies to strengthen their capital base and reduce financing costs [15] - In 2025, several consumer finance institutions have already issued a total of 10.6 billion RMB in financial bonds [14]