[China Packaging Network News] The essence of financing leasing is an alternative service for bank loan business. Although the financial leasing industry has the advantages of a flexible mechanism and close to the market, it is far behind commercial banks in terms of customer resources, ability to control risks, economies of scale, and financial strength. Therefore, in the future, the financial leasing industry must identify its own market positioning, must avoid the higher risk factor in SMEs, and expand the market space by looking for the business characteristics of packaging and printing companies, and its innovation should also develop in this direction. Specifically, the major innovation directions of the financial leasing industry include three.
1. Continue to integrate with other types of financial services to form new and targeted financing lease products. The financial leasing program formed by the complementary integration with equipment suppliers is a relatively successful innovation case. Financing leasing industry can continue to cooperate with more well-known equipment manufacturers to realize leasing innovation. At the same time, it actively integrates the advantages of different financial services to build new financial leasing products. This is an important measure to adapt to future mixed-business operations, actively seek cooperation in the financial industry, and develop and grow into a financial industry.
2. In the direction of investment, the government continued to support leasing and other investment returns with a more stable investment category, with stable cash flow as the rent source. Under the condition that our country's current market has a low degree of credibility, this is a very good choice for the financial leasing industry. It can both avoid risks and achieve stable development. Therefore, categorizing the company's development potential and expanding the financial leasing of packaging and printing markets will be the main direction of innovation in the financing leasing industry in recent years.
3. Take advantage of the “melting†features of financial leasing, make full use of the commercial credits granted by the equipment manufacturers, and “melt†the customers. Such financial leasing products are more likely to be launched by large manufacturing companies, such as packaging equipment manufacturers, etc., because these companies can directly establish a finance leasing company to promote the Group's products.
Due to the development of packaging and printing technology, the competition between packaging and printing companies has become increasingly fierce, requiring companies to continue to expand the scale of production and equipment block.
At present, due to the fact that domestic packaging and printing equipment cannot temporarily compete with internationally renowned brands, high-end packaging and printing equipment basically relies on imports. However, the high price of imported packaging and printing equipment is incapable of paying the full amount for most SMEs still in the development stage. The need for external funds has become more urgent. Therefore, the prospects for the financing and leasing of imported packaging printing equipment are promising.
China's packaging and printing industry's financial leasing "cake" can be further expanded. Foreign manufacturing companies have widely adopted financial leasing methods to make products reach the end users. In contrast, financial leasing is still a "new thing" in our country. From the disclosure of the 2003 World Lease Annual Report China Sub-Report, the status of domestic financial leasing in terms of scale legislation, taxation, and supervision is incompatible with potential market demand. For the packaging and printing industry in China alone, if its financing lease can become an effective sales channel and marketing method, it can promote the steady growth of many small and medium-sized packaging and printing companies in China and significantly increase the market competitiveness of packaging and printing companies in China.