黨的(de)(de)二十屆三中(zhong)全(quan)會審議通過的(de)(de)《中(zhong)共(gong)中(zhong)央關(guan)于(yu)進(jin)一(yi)步(bu)全(quan)面深化(hua)(hua)改(gai)革(ge)(ge)、推進(jin)中(zhong)國(guo)式現(xian)代化(hua)(hua)的(de)(de)決定》為今后進(jin)一(yi)步(bu)全(quan)面深化(hua)(hua)改(gai)革(ge)(ge)明確了(le)方向和原(yuan)則。服(fu)務(wu)實(shi)體經濟、服(fu)務(wu)進(jin)一(yi)步(bu)全(quan)面深化(hua)(hua)改(gai)革(ge)(ge)，是(shi)(shi)金(jin)融(rong)的(de)(de)使命和目(mu)的(de)(de)，也(ye)是(shi)(shi)金(jin)融(rong)的(de)(de)立業之(zhi)本(ben)，是(shi)(shi)建設(she)金(jin)融(rong)強國(guo)的(de)(de)必由之(zhi)路。作為金(jin)融(rong)“特種部隊”，金(jin)融(rong)租(zu)賃具(ju)有(you)融(rong)物、融(rong)資、融(rong)智三重功能，深度(du)連接產業與(yu)金(jin)融(rong)，能夠在促進(jin)設(she)備更新換代、助推我國(guo)產業轉(zhuan)型(xing)升(sheng)級等方面發揮重要作用。

　　金(jin)融租賃服務實體經濟的重要意(yi)義(yi)

　　金(jin)融(rong)租(zu)賃(lin)(lin)(lin)是古老(lao)租(zu)賃(lin)(lin)(lin)活動(dong)專業(ye)化、產業(ye)化、金(jin)融(rong)化和現代化的結(jie)果。1952年(nian)(nian)，美國(guo)(guo)設立(li)(li)全(quan)球(qiu)首(shou)家(jia)融(rong)資(zi)租(zu)賃(lin)(lin)(lin)公(gong)司(si)，現代融(rong)資(zi)租(zu)賃(lin)(lin)(lin)由此發軔(ren)并向全(quan)球(qiu)擴散。1981年(nian)(nian)，我國(guo)(guo)首(shou)家(jia)中(zhong)外合資(zi)租(zu)賃(lin)(lin)(lin)公(gong)司(si)——中(zhong)國(guo)(guo)東(dong)方租(zu)賃(lin)(lin)(lin)有(you)限(xian)公(gong)司(si)成立(li)(li)，同(tong)年(nian)(nian)設立(li)(li)中(zhong)國(guo)(guo)租(zu)賃(lin)(lin)(lin)有(you)限(xian)公(gong)司(si)。中(zhong)國(guo)(guo)人民銀(yin)行2000年(nian)(nian)制定《金(jin)融(rong)租(zu)賃(lin)(lin)(lin)公(gong)司(si)管理辦法》，隨著金(jin)融(rong)監(jian)管體制的不斷改(gai)革，中(zhong)國(guo)(guo)銀(yin)監(jian)會、中(zhong)國(guo)(guo)銀(yin)保監(jian)會、國(guo)(guo)家(jia)金(jin)融(rong)監(jian)管總局先后承接有(you)關監(jian)管職能職責。

　　《世(shi)界租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)年(nian)(nian)(nian)(nian)報(bao)(bao)》顯示(shi)，近年(nian)(nian)(nian)(nian)來全球年(nian)(nian)(nian)(nian)均(jun)新(xin)增租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)業(ye)(ye)(ye)(ye)務(wu)額折(zhe)合(he)人(ren)(ren)民幣(bi)超8萬(wan)億元(yuan)，為(wei)設(she)備(bei)更新(xin)換(huan)代(dai)、產(chan)(chan)業(ye)(ye)(ye)(ye)轉型(xing)升級發揮了重(zhong)要作用。我國融(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)及(ji)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)行(xing)業(ye)(ye)(ye)(ye)數據表(biao)明，截至2023年(nian)(nian)(nian)(nian)末，境內有融(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)公(gong)司9200余(yu)(yu)家(jia)（不含金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)公(gong)司）、資(zi)(zi)(zi)產(chan)(chan)規(gui)模(mo)突破4.3萬(wan)億元(yuan)；另有金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)公(gong)司68家(jia)（不含6家(jia)專業(ye)(ye)(ye)(ye)子(zi)公(gong)司）、資(zi)(zi)(zi)產(chan)(chan)規(gui)模(mo)突破4萬(wan)億元(yuan)，金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)余(yu)(yu)額近4萬(wan)億元(yuan)，當年(nian)(nian)(nian)(nian)投放1.7萬(wan)億元(yuan)，源源不斷為(wei)實體經濟高質(zhi)量發展注(zhu)入(ru)生機與(yu)活力(li)。從經營方(fang)式看(kan)，金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)與(yu)銀行(xing)信貸相比(bi)有其自身特色，一(yi)是(shi)設(she)備(bei)體現(xian)(xian)出較高的(de)價值率(lv)，企業(ye)(ye)(ye)(ye)通(tong)(tong)過開(kai)展融(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)業(ye)(ye)(ye)(ye)務(wu)可(ke)獲得設(she)備(bei)類固(gu)定資(zi)(zi)(zi)產(chan)(chan)公(gong)允價值80%~95%的(de)資(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)，而企業(ye)(ye)(ye)(ye)通(tong)(tong)過固(gu)定資(zi)(zi)(zi)產(chan)(chan)抵（質(zhi)）押(ya)向銀行(xing)貸款，其中土(tu)地使用權(quan)、廠房、住(zhu)宅等抵押(ya)率(lv)一(yi)般在(zai)50%~70%，銀行(xing)通(tong)(tong)常(chang)(chang)不單獨以(yi)設(she)備(bei)抵（質(zhi)）押(ya)作為(wei)風(feng)險(xian)緩釋手段；二是(shi)融(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)業(ye)(ye)(ye)(ye)務(wu)期限(xian)通(tong)(tong)常(chang)(chang)比(bi)流動資(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)貸款的(de)期限(xian)更長(chang)，有利于企業(ye)(ye)(ye)(ye)分散資(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)壓(ya)力(li)；三是(shi)相比(bi)銀行(xing)貸款，“直租(zu)(zu)(zu)(zu)(zu)(zu)”業(ye)(ye)(ye)(ye)務(wu)可(ke)以(yi)給承租(zu)(zu)(zu)(zu)(zu)(zu)人(ren)(ren)帶來一(yi)定的(de)節稅效果；四是(shi)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)公(gong)司通(tong)(tong)常(chang)(chang)通(tong)(tong)過在(zai)保稅區(qu)設(she)置項目公(gong)司開(kai)展飛機租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)、船(chuan)舶租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)、機械(xie)設(she)備(bei)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)等業(ye)(ye)(ye)(ye)務(wu)，有利于發揮綜合(he)保稅區(qu)政策(ce)優(you)勢，為(wei)企業(ye)(ye)(ye)(ye)提供更質(zhi)優(you)價廉(lian)的(de)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)服務(wu)。從經營效益看(kan)，2023年(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)行(xing)業(ye)(ye)(ye)(ye)加權(quan)平均(jun)總資(zi)(zi)(zi)產(chan)(chan)回報(bao)(bao)率(lv)、凈(jing)資(zi)(zi)(zi)產(chan)(chan)回報(bao)(bao)率(lv)分別為(wei)1.4%、9.7%，實現(xian)(xian)凈(jing)利潤(run)超510億元(yuan)。從資(zi)(zi)(zi)產(chan)(chan)質(zhi)量看(kan)，2023年(nian)(nian)(nian)(nian)末金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)行(xing)業(ye)(ye)(ye)(ye)不良融(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)資(zi)(zi)(zi)產(chan)(chan)率(lv)約為(wei)1%、撥備(bei)率(lv)約為(wei)4.2%，抗風(feng)險(xian)能(neng)力(li)較強。從隊伍(wu)建(jian)設(she)看(kan)，2023年(nian)(nian)(nian)(nian)末金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)(zu)(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)(lin)行(xing)業(ye)(ye)(ye)(ye)在(zai)崗職工(gong)約1萬(wan)人(ren)(ren)，是(shi)一(yi)支既懂金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)又熟悉(xi)產(chan)(chan)業(ye)(ye)(ye)(ye)的(de)復合(he)型(xing)人(ren)(ren)才隊伍(wu)。

　　金(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)賃(lin)(lin)服務實(shi)(shi)體(ti)(ti)經濟要(yao)遵循以下(xia)原則。一(yi)是(shi)加強黨(dang)對金(jin)(jin)(jin)融(rong)(rong)工(gong)(gong)作(zuo)的(de)(de)全面(mian)領導(dao)(dao)。金(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)賃(lin)(lin)行業要(yao)深刻(ke)領會(hui)加強黨(dang)對金(jin)(jin)(jin)融(rong)(rong)工(gong)(gong)作(zuo)的(de)(de)全面(mian)領導(dao)(dao)的(de)(de)重大(da)(da)意義，將黨(dang)的(de)(de)領導(dao)(dao)寫入公(gong)(gong)司章程(cheng)，明確黨(dang)組(zu)織在公(gong)(gong)司治理(li)結(jie)構中的(de)(de)法定地位，充分發(fa)(fa)揮(hui)黨(dang)組(zu)織與(yu)董(dong)事(shi)(shi)會(hui)、股(gu)東會(hui)、管(guan)(guan)理(li)層等治理(li)主體(ti)(ti)的(de)(de)功能(neng)(neng)和(he)優勢(shi)，統籌抓好黨(dang)的(de)(de)建設(she)、公(gong)(gong)司治理(li)和(he)經營管(guan)(guan)理(li)，更好平(ping)衡金(jin)(jin)(jin)融(rong)(rong)的(de)(de)功能(neng)(neng)性與(yu)營利性，大(da)(da)力(li)支持實(shi)(shi)體(ti)(ti)經濟關鍵領域和(he)薄弱環節(jie)發(fa)(fa)展(zhan)。二是(shi)堅(jian)持以人民為中心的(de)(de)價值取向。金(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)賃(lin)(lin)是(shi)銀(yin)行、保險(xian)、證券、信托、基(ji)金(jin)(jin)(jin)等金(jin)(jin)(jin)融(rong)(rong)產業的(de)(de)“補位力(li)量(liang)”，是(shi)實(shi)(shi)現(xian)中國式現(xian)代化的(de)(de)有益工(gong)(gong)具(ju)和(he)手(shou)段。金(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)賃(lin)(lin)行業必(bi)須(xu)站穩(wen)人民立場，堅(jian)持依法合規穩(wen)健(jian)經營，持續精進專業能(neng)(neng)力(li)，千(qian)方百(bai)計以金(jin)(jin)(jin)融(rong)(rong)之力(li)促發(fa)(fa)展(zhan)，不斷完(wan)善事(shi)(shi)前防范、事(shi)(shi)中監控、事(shi)(shi)后(hou)處置全鏈(lian)條風險(xian)防控體(ti)(ti)系。三是(shi)堅(jian)定服務實(shi)(shi)體(ti)(ti)經濟高(gao)質(zhi)量(liang)發(fa)(fa)展(zhan)。金(jin)(jin)(jin)融(rong)(rong)租(zu)(zu)賃(lin)(lin)要(yao)始(shi)終堅(jian)守(shou)融(rong)(rong)物、融(rong)(rong)資、融(rong)(rong)智功能(neng)(neng)定位，充分發(fa)(fa)揮(hui)特色優勢(shi)，支持我(wo)國實(shi)(shi)體(ti)(ti)經濟大(da)(da)規模(mo)更新設(she)備裝備。

　　落實(shi)金融租賃服(fu)務實(shi)體(ti)經濟各項任(ren)務

　　當(dang)前，我國產業體(ti)系現代化正處(chu)于(yu)爬坡(po)上坎(kan)關(guan)(guan)鍵(jian)時期，金融(rong)租賃工作面臨前所(suo)未有(you)的新機遇與新挑戰，金融(rong)租賃行業必須深思細悟(wu)篤(du)行黨中央關(guan)(guan)于(yu)金融(rong)工作的決策部(bu)署(shu)，落(luo)實(shi)落(luo)細金融(rong)監管部(bu)門(men)發展導向(xiang)，聚焦國家(jia)重大戰略、重點領(ling)域和薄弱環節(jie)，以金融(rong)租賃之能、之力、之智堅決落(luo)實(shi)服(fu)務實(shi)體(ti)經濟的各項任務。

　　●扎實做好金(jin)融“五篇(pian)大文章”

　　要增強大(da)局(ju)意識(shi)(shi)、發(fa)(fa)(fa)展(zhan)意識(shi)(shi)、服(fu)(fu)(fu)務(wu)意識(shi)(shi)，追著企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)跑、圍著企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)轉、吸引(yin)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)來，以專業(ye)(ye)(ye)(ye)(ye)高(gao)效的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)租(zu)賃(lin)(lin)解(jie)決方案，支(zhi)持企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)盤活固定(ding)資產(chan)、更新(xin)(xin)設備(bei)，扎實做好科(ke)技(ji)(ji)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)、綠色金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)、普(pu)惠(hui)(hui)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)、養(yang)(yang)老金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)、數(shu)(shu)字金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)五篇大(da)文章。面(mian)向(xiang)科(ke)技(ji)(ji)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)發(fa)(fa)(fa)力(li)，深入分(fen)析科(ke)技(ji)(ji)型企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)生(sheng)命(ming)周期融(rong)(rong)(rong)(rong)資需求(qiu)(qiu)，優化(hua)科(ke)技(ji)(ji)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)授信模(mo)式，在信貸、債(zhai)券(quan)、股權(quan)投資、保險(xian)、租(zu)賃(lin)(lin)等(deng)(deng)多元化(hua)接力(li)式金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)矩陣中找準金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)租(zu)賃(lin)(lin)介入時機(ji)(ji)，提高(gao)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)租(zu)賃(lin)(lin)產(chan)品(pin)與(yu)重(zhong)(zhong)點行業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)資需求(qiu)(qiu)之間的(de)適配(pei)度(du)，促進新(xin)(xin)質生(sheng)產(chan)力(li)發(fa)(fa)(fa)展(zhan)。面(mian)向(xiang)綠色金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)發(fa)(fa)(fa)力(li)，聚焦(jiao)“雙碳”目標，完善綠色租(zu)賃(lin)(lin)授信決策(ce)機(ji)(ji)制，綜(zong)合考量企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)的(de)財務(wu)表現(xian)并從環境、社會責任(ren)和公司治理三個非(fei)財務(wu)維度(du)評估企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)發(fa)(fa)(fa)展(zhan)前景，重(zhong)(zhong)點支(zhi)持新(xin)(xin)能(neng)(neng)源(yuan)汽車、清(qing)潔能(neng)(neng)源(yuan)、節能(neng)(neng)減(jian)排、生(sheng)態修(xiu)復等(deng)(deng)領(ling)域(yu)發(fa)(fa)(fa)展(zhan)和其(qi)他行業(ye)(ye)(ye)(ye)(ye)綠色化(hua)改(gai)造。面(mian)向(xiang)普(pu)惠(hui)(hui)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)發(fa)(fa)(fa)力(li)，加快推(tui)進自身數(shu)(shu)字化(hua)轉型，健(jian)(jian)全普(pu)惠(hui)(hui)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)模(mo)式，大(da)力(li)拓展(zhan)“專精特新(xin)(xin)”、單(dan)項冠(guan)軍、糧食安全、現(xian)代農業(ye)(ye)(ye)(ye)(ye)等(deng)(deng)重(zhong)(zhong)點客群，提高(gao)首(shou)(shou)租(zu)（企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)首(shou)(shou)次運用金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)租(zu)賃(lin)(lin)產(chan)品(pin)）覆(fu)蓋(gai)面(mian)。面(mian)向(xiang)養(yang)(yang)老金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)發(fa)(fa)(fa)力(li)，深入研究健(jian)(jian)康產(chan)業(ye)(ye)(ye)(ye)(ye)、養(yang)(yang)老產(chan)業(ye)(ye)(ye)(ye)(ye)和銀發(fa)(fa)(fa)經(jing)濟(ji)，挖掘醫療(liao)機(ji)(ji)構、醫療(liao)設備(bei)制造商(shang)、藥品(pin)生(sheng)產(chan)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)和康養(yang)(yang)公司的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)租(zu)賃(lin)(lin)需求(qiu)(qiu)。大(da)力(li)推(tui)進數(shu)(shu)字金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)，充(chong)分(fen)運用人工智(zhi)能(neng)(neng)、大(da)數(shu)(shu)據、云存儲(chu)、隱私(si)計(ji)算、物聯網等(deng)(deng)技(ji)(ji)術重(zhong)(zhong)塑業(ye)(ye)(ye)(ye)(ye)務(wu)流程、創新(xin)(xin)業(ye)(ye)(ye)(ye)(ye)務(wu)模(mo)式、賦能(neng)(neng)風險(xian)管理、提高(gao)決策(ce)質效，突破傳統金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)租(zu)賃(lin)(lin)模(mo)式下的(de)服(fu)(fu)(fu)務(wu)效率和服(fu)(fu)(fu)務(wu)半徑約束，極大(da)增強獲客能(neng)(neng)力(li)，有效降低獲客成(cheng)本，精準實施風險(xian)防控，提高(gao)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)租(zu)賃(lin)(lin)服(fu)(fu)(fu)務(wu)實體經(jing)濟(ji)的(de)覆(fu)蓋(gai)面(mian)和靶(ba)向(xiang)度(du)。

　　●全面加強金融(rong)風險防控(kong)

　　新(xin)一輪大(da)規模設備更新(xin)和消費品以舊換新(xin)深入實施，為(wei)租(zu)賃行(xing)業(ye)(ye)帶來新(xin)機遇。金融租(zu)賃要(yao)(yao)(yao)把握大(da)趨勢，提高(gao)在(zai)(zai)不(bu)確(que)定性中(zhong)謀(mou)劃發(fa)展的能(neng)力(li)，堅持(chi)在(zai)(zai)發(fa)展中(zhong)防范和化解風險。穩妥推進“增持(chi)減退”授信策略，對戰略新(xin)興產業(ye)(ye)，要(yao)(yao)(yao)善(shan)于(yu)“增”，為(wei)其“補氣血”；對傳統優勢產業(ye)(ye)，要(yao)(yao)(yao)善(shan)于(yu)“持(chi)”，供其“定心丸”；對傳統一般產業(ye)(ye)，要(yao)(yao)(yao)善(shan)于(yu)“減”，幫其“降虛火”；對明令(ling)淘(tao)汰產業(ye)(ye)，要(yao)(yao)(yao)善(shan)于(yu)“退”，助其“去病灶”。

　　加強(qiang)(qiang)(qiang)信用(yong)風(feng)(feng)險(xian)(xian)管理(li)。優化(hua)區(qu)域和行(xing)業投(tou)向(xiang)指(zhi)引，加強(qiang)(qiang)(qiang)資產組(zu)合(he)(he)管理(li)，主動(dong)前(qian)瞻(zhan)指(zhi)引業務發(fa)(fa)展方向(xiang)。圍繞客戶、項(xiang)目和租(zu)賃物(wu)，做到租(zu)前(qian)把關(guan)、租(zu)中審(shen)核、租(zu)后跟(gen)蹤。按(an)季摸排并掌握風(feng)(feng)險(xian)(xian)底數，及時采(cai)取有效(xiao)措施。落實預(yu)期信用(yong)損失法有關(guan)要求，結合(he)(he)宏觀形(xing)勢前(qian)瞻(zhan)性計提撥(bo)備(bei)，增強(qiang)(qiang)(qiang)風(feng)(feng)險(xian)(xian)抵補(bu)能(neng)力，向(xiang)不良資產處置要效(xiao)益(yi)。加強(qiang)(qiang)(qiang)合(he)(he)規(gui)管理(li)。加大資源投(tou)入，持續(xu)建(jian)立健全(quan)合(he)(he)規(gui)管理(li)制度，不斷完(wan)善合(he)(he)規(gui)管理(li)組(zu)織架構，明確(que)合(he)(he)規(gui)管理(li)責(ze)任(ren)，推動(dong)合(he)(he)規(gui)文化(hua)建(jian)設。加強(qiang)(qiang)(qiang)流(liu)動(dong)性風(feng)(feng)險(xian)(xian)管理(li)。研(yan)判市(shi)場流(liu)動(dong)性松緊和利率(lv)走勢，靈活協調頭寸(cun)供(gong)給與需求，主動(dong)平(ping)衡資金(jin)來(lai)源和去(qu)向(xiang)，管好期限錯配，增強(qiang)(qiang)(qiang)發(fa)(fa)展的穩(wen)定性、持續(xu)性。加強(qiang)(qiang)(qiang)信息科(ke)技風(feng)(feng)險(xian)(xian)管理(li)。加快(kuai)網絡安全(quan)防護體系建(jian)設，強(qiang)(qiang)(qiang)化(hua)干部員工網絡安全(quan)意識。持續(xu)提升(sheng)信息系統運(yun)行(xing)監控(kong)能(neng)力，實現早預(yu)警(jing)、早發(fa)(fa)現、早處理(li)。加強(qiang)(qiang)(qiang)聲譽(yu)風(feng)(feng)險(xian)(xian)管理(li)。增強(qiang)(qiang)(qiang)聲譽(yu)風(feng)(feng)險(xian)(xian)評估能(neng)力，加強(qiang)(qiang)(qiang)隱患(huan)排查，密切聯(lian)絡金(jin)融(rong)監管部門和網信部門，增強(qiang)(qiang)(qiang)輿情監測(ce)處置能(neng)力。

　　●服務金融強(qiang)國建(jian)設

　　精準(zhun)對接實體經(jing)濟(ji)。當前，工業(ye)(ye)(ye)發(fa)達國家年增融(rong)資(zi)租(zu)(zu)(zu)賃業(ye)(ye)(ye)務額(e)與全社會設備投資(zi)總額(e)的比率在20%左右，而我(wo)國僅約6%，金(jin)(jin)融(rong)租(zu)(zu)(zu)賃服務實體經(jing)濟(ji)前景廣闊。從(cong)機構規模看(kan)，金(jin)(jin)融(rong)租(zu)(zu)(zu)賃公司通(tong)常組織層級少、人才隊(dui)伍精、決策鏈條短，天然貼近(jin)市(shi)場，能夠迅速準(zhun)確識別并滿足特定行業(ye)(ye)(ye)、企業(ye)(ye)(ye)和地區的金(jin)(jin)融(rong)需(xu)求。從(cong)風險防(fang)控看(kan)，金(jin)(jin)融(rong)租(zu)(zu)(zu)賃以(yi)租(zu)(zu)(zu)賃物為依托，巧妙連結金(jin)(jin)融(rong)與產業(ye)(ye)(ye)，把(ba)好租(zu)(zu)(zu)賃物準(zhun)入(ru)關可以(yi)有效防(fang)止金(jin)(jin)融(rong)脫實向虛。

　　助力金(jin)融改革開放。裝備(bei)設備(bei)和(he)(he)生物(wu)性(xing)資(zi)產(chan)在世界(jie)范圍(wei)內(nei)(nei)(nei)生產(chan)、流(liu)通、使用，為(wei)金(jin)融租(zu)賃整合境(jing)內(nei)(nei)(nei)外金(jin)融資(zi)源(yuan)(yuan)和(he)(he)產(chan)業(ye)(ye)(ye)資(zi)源(yuan)(yuan)提供了巨大(da)機遇。飛機、船舶、汽車、高鐵、通信、風力發電(dian)、光伏發電(dian)和(he)(he)生物(wu)性(xing)資(zi)產(chan)等產(chan)業(ye)(ye)(ye)鏈國(guo)(guo)際化(hua)程度(du)高，在確保國(guo)(guo)家金(jin)融安全(quan)和(he)(he)產(chan)業(ye)(ye)(ye)安全(quan)的前提下，金(jin)融租(zu)賃應(ying)聚焦(jiao)金(jin)融和(he)(he)產(chan)業(ye)(ye)(ye)兩(liang)種資(zi)源(yuan)(yuan)、國(guo)(guo)內(nei)(nei)(nei)和(he)(he)國(guo)(guo)際兩(liang)個市場，將國(guo)(guo)外優質(zhi)資(zi)源(yuan)(yuan)“引進來(lai)”，推(tui)動國(guo)(guo)內(nei)(nei)(nei)優勢資(zi)源(yuan)(yuan)“走出去(qu)”，助力做大(da)全(quan)球(qiu)經濟(ji)蛋糕。

　　積極擁(yong)抱金(jin)融監管(guan)(guan)。行穩方能致遠，金(jin)融租賃(lin)行業要(yao)(yao)密切關注國內外金(jin)融政策動(dong)態，主動(dong)適(shi)應監管(guan)(guan)變化(hua)，將最新(xin)的(de)(de)法律法規和(he)(he)監管(guan)(guan)政策落(luo)實到日常(chang)經營(ying)管(guan)(guan)理之中。科(ke)學把握金(jin)融租賃(lin)公(gong)司(si)(si)管(guan)(guan)理辦法的(de)(de)內涵與要(yao)(yao)求(qiu)，完善(shan)風險與合規管(guan)(guan)理體系，夯(hang)實可持續(xu)發展(zhan)(zhan)的(de)(de)基(ji)礎；提高經營(ying)管(guan)(guan)理透(tou)明度，主動(dong)公(gong)開公(gong)司(si)(si)治(zhi)理情況(kuang)、財務狀(zhuang)況(kuang)和(he)(he)重大事項(xiang)；加強消費者權益保護(hu)，維護(hu)行業良好聲(sheng)譽。圍繞金(jin)融“五篇大文章(zhang)”，認真領(ling)會金(jin)融租賃(lin)公(gong)司(si)(si)“三項(xiang)清(qing)單(dan)(dan)(dan)”蘊含的(de)(de)戰略意圖(tu)和(he)(he)價值判斷，根(gen)據業務發展(zhan)(zhan)鼓勵清(qing)單(dan)(dan)(dan)、負(fu)面清(qing)單(dan)(dan)(dan)和(he)(he)項(xiang)目公(gong)司(si)(si)業務正(zheng)面清(qing)單(dan)(dan)(dan)調(diao)整發展(zhan)(zhan)規劃，發揮融物、融資、融智優(you)勢，支持企(qi)業更新(xin)設備和(he)(he)裝(zhuang)備，為現代化(hua)產(chan)業體系建設和(he)(he)新(xin)質生產(chan)力加快發展(zhan)(zhan)作出新(xin)的(de)(de)更大貢獻。