Financial leasing development too much, the industry is still "blue ocean""
Financial leasing companies get together to set up. In the docking and service entities under the expected economy, favorable policies have been introduced in order to explore the space of the industry. But at present, the "new heights" is also facing a bottleneck and business type differentiation, the time and the same competition into orbit.
The leasing industry is still "blue ocean""
The "2013 blue book" China financing lease disclosure data show that in 2013, the domestic financial leasing company leasing industry reached 1026, the registered capital of 306 billion yuan, an increase of 83.2% and 61.9% respectively; the financing lease contract amounted to 21000 yuan, an increase of 35.5%.
The International Chamber of Commerce Chinese leasing Commission Chairman Yang Haitian said at the end of last year, the Ministry of Finance and the State Administration of Taxation issued the relevant regulations, customer service and other services continue to implement the balance payment of rent policy, which also makes the development of the finance leasing business re entered the track. At present, the domestic aviation leasing, machinery and equipment leasing has surpassed the United States, in a world leader, is expected to become the world's largest leasing by the end of 2016.
From the development of the leasing industry, in addition to aerospace and mechanical equipment, docking industry companies are more and more ships, public infrastructure and other aspects of industrial entities, and gradually developed a differentiated pattern. Even in the same category of leasing business, the company's business is also showing a differentiated situation. Such as aviation leasing business, some companies focus on large aircraft business, while another company to the official aircraft as the core plate.
A number of industry sources said that from the current development of the financing lease industry, a number of plate business is still "blue ocean", the competition is far from sufficient or saturated state. Some companies have also tried joint leasing in order to better utilize their customers' resources". A senior finance leasing company said that although this model can not be counted as a type of financial leasing, but also in limited innovation.
Industry constraints need to be resolved
While the financing lease industry is seeking room for development, some of the agencies suspected of "shadow banking" approach has also been concerned about. Institutional sources said that the financing lease business norms, the need for "real lease" as a support, that is, the real lease into the operation of the link, the financing of the funds around the rental items for circulation.
The industry believes that the current financing lease financing lease and financial lease differentiation in two areas belong to different departments, to some extent caused by the outside of the industry confusion, currently two in the company has not yet formed data sharing information. Relatively speaking, the financial leasing company with bank background is affected by the corresponding parent line in many aspects such as risk control, and the business operation is more standardized. And because of the huge amount of financial leasing companies, subject to individual industry scale and competitive environment, the development has also been restricted. Restrictions and business types and differentiation of the financial leasing industry itself is facing a bottleneck, it will take time and enter the international competition the same track.
Regulators are also open in many places to explain the problems facing the finance leasing industry. At present, the financial leasing in the legal, regulatory, financial, taxation and other four aspects of the system is perfect, but overall still lags behind the actual needs of the industry. In these four areas, the tax is mentioned by more industry companies. As the business sector differentiation, resulting in the actual docking of the lease in a different tax policy environment, the corresponding invoice, risk control, circulation costs are greater differences. In particular, the lease disposal of second-hand equipment is limited to the continued circulation of equipment because it is difficult to provide effective certificates as a deduction of tax certificates. The industry believes that the lag of fiscal policy, the construction machinery industry overcapacity in the back-end lack of rapid processing ability of second-hand products, which caused the new machine, old machine joint backlog, turnover should be regarded as "lubricant" financing and leasing business has been greatly limited.
In the "four pillar" to study and improve the system in the process, regulators are actively research and coordination of industry organization, try to expand the space for the industry, such as consider using the concept of urbanization to promote the city infrastructure leasing, with the help of "going out" the opportunity to support the domestic marine engineering equipment manufacturing industry, promote the development of aircraft leasing business with the FTA policy.
