隨(sui)著(zhu)國(guo)家數字(zi)化戰略的(de)深入實(shi)(shi)施，產融結合數字(zi)化已成為各行業發展的(de)關(guan)鍵路(lu)徑。近(jin)年來(lai)，人工(gong)智能等新興技術(shu)的(de)突破性進展，為業務數智化轉型提供了堅實(shi)(shi)的(de)技術(shu)支撐。

　　融資(zi)租(zu)賃(lin)(lin)憑借其產(chan)融結(jie)合(he)的(de)天(tian)然(ran)屬性，在助力實體(ti)(ti)經濟高速發展的(de)同時，也迎來(lai)了(le)數字化變革帶來(lai)的(de)新(xin)增長點，其產(chan)融結(jie)合(he)優勢更加凸顯(xian)。同時，融資(zi)租(zu)賃(lin)(lin)企(qi)業的(de)數字化轉型成(cheng)效(xiao)，顯(xian)著強化了(le)其服(fu)務實體(ti)(ti)經濟客(ke)戶(hu)的(de)橋(qiao)梁作用。通過技術賦能(neng)，將(jiang)業務、風控(kong)、資(zi)產(chan)、企(qi)業管理及監管等(deng)核心環節深(shen)(shen)度融合(he)，持續拓展了(le)租(zu)賃(lin)(lin)服(fu)務實體(ti)(ti)經濟的(de)廣度與(yu)深(shen)(shen)度。

　　01、當前融資租賃行業數字化發展現狀

　　據中國招(zhao)標(biao)(biao)投(tou)標(biao)(biao)公(gong)共(gong)服務(wu)平(ping)臺(tai)及公(gong)開招(zhao)投(tou)標(biao)(biao)數(shu)據顯(xian)示，2025年(nian)至(zhi)今全(quan)國至(zhi)少50家(jia)金(jin)(jin)融(rong)(rong)租(zu)(zu)賃(lin)與融(rong)(rong)資租(zu)(zu)賃(lin)公(gong)司啟動核心業(ye)務(wu)系(xi)統(tong)升級招(zhao)標(biao)(biao)，代表性(xing)項目包(bao)括華融(rong)(rong)金(jin)(jin)融(rong)(rong)租(zu)(zu)賃(lin)股(gu)份有限(xian)公(gong)司新一代核心系(xi)統(tong)軟件平(ping)臺(tai)項目、外貿(mao)金(jin)(jin)租(zu)(zu)2025年(nian)采購核心業(ye)務(wu)系(xi)統(tong)二(er)期優化(hua)(hua)項目、湖北(bei)宏(hong)泰融(rong)(rong)資租(zu)(zu)賃(lin)信息化(hua)(hua)管(guan)理平(ping)臺(tai)項目等，通過技術選型迭代升級，對租(zu)(zu)賃(lin)業(ye)務(wu)投(tou)放(fang)、風險管(guan)理、數(shu)據分(fen)析(xi)、經營管(guan)理、監管(guan)報送等方(fang)面(mian)提(ti)供了(le)全(quan)方(fang)位的技術支(zhi)撐，實現了(le)數(shu)智化(hua)(hua)躍升，成為(wei)融(rong)(rong)資租(zu)(zu)賃(lin)行業(ye)數(shu)字化(hua)(hua)轉型的標(biao)(biao)桿。

　　此外，監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)層(ceng)要求(qiu)加強風控與合規管(guan)(guan)(guan)(guan)理(li)，倒逼企業(ye)通(tong)過數字化(hua)手段提升透明(ming)度(du)。如浙江(jiang)要求(qiu)租(zu)賃公(gong)(gong)司(si)將(jiang)經營監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)報表統(tong)(tong)(tong)(tong)一報送(song)至新(xin)建(jian)的(de)(de)地方金融(rong)(rong)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)平臺“融(rong)(rong)資租(zu)賃公(gong)(gong)司(si)信(xin)息(xi)(xi)報送(song)系(xi)(xi)統(tong)(tong)(tong)(tong)”，2025年浙江(jiang)融(rong)(rong)資租(zu)賃租(zu)賃公(gong)(gong)司(si)有(you)核心(xin)業(ye)務系(xi)(xi)統(tong)(tong)(tong)(tong)的(de)(de)分(fen)(fen)別在已有(you)的(de)(de)信(xin)息(xi)(xi)系(xi)(xi)統(tong)(tong)(tong)(tong)中增加開發監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)報送(song)模塊(kuai)，直(zhi)接(jie)(jie)(jie)跟監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)系(xi)(xi)統(tong)(tong)(tong)(tong)對接(jie)(jie)(jie)集成(cheng)，將(jiang)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)需要的(de)(de)信(xin)息(xi)(xi)通(tong)過報表形式直(zhi)接(jie)(jie)(jie)及時進行(xing)了報送(song)。《天津市融(rong)(rong)資租(zu)賃公(gong)(gong)司(si)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)級指標體系(xi)(xi)》中“管(guan)(guan)(guan)(guan)理(li)系(xi)(xi)統(tong)(tong)(tong)(tong)”項明(ming)確(que)表示建(jian)立了完(wan)(wan)善(shan)的(de)(de)信(xin)息(xi)(xi)化(hua)管(guan)(guan)(guan)(guan)理(li)系(xi)(xi)統(tong)(tong)(tong)(tong)，各項機制具有(you)可操作(zuo)性且均得(de)(de)到有(you)效執行(xing)的(de)(de)得(de)(de)2分(fen)(fen)；未(wei)建(jian)立具有(you)可操作(zuo)性的(de)(de)信(xin)息(xi)(xi)化(hua)管(guan)(guan)(guan)(guan)理(li)系(xi)(xi)統(tong)(tong)(tong)(tong)得(de)(de)0分(fen)(fen)。公(gong)(gong)司(si)信(xin)息(xi)(xi)化(hua)系(xi)(xi)統(tong)(tong)(tong)(tong)建(jian)設(she)情況(kuang)，必(bi)要時進行(xing)現場檢查。湖南省在2025年7月30日(ri)發布(bu)了《湖南省融(rong)(rong)資租(zu)賃公(gong)(gong)司(si)分(fen)(fen)類監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)級辦法》，而《湖南省融(rong)(rong)資租(zu)賃公(gong)(gong)司(si)分(fen)(fen)類監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)評(ping)級指標體系(xi)(xi)》在“信(xin)息(xi)(xi)化(hua)系(xi)(xi)統(tong)(tong)(tong)(tong)”方面也明(ming)確(que)表示建(jian)有(you)完(wan)(wan)善(shan)的(de)(de)業(ye)務信(xin)息(xi)(xi)化(hua)管(guan)(guan)(guan)(guan)理(li)系(xi)(xi)統(tong)(tong)(tong)(tong)且按要求(qiu)接(jie)(jie)(jie)入監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)部(bu)門指定監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)系(xi)(xi)統(tong)(tong)(tong)(tong)，得(de)(de)2分(fen)(fen)；建(jian)有(you)完(wan)(wan)善(shan)的(de)(de)業(ye)務信(xin)息(xi)(xi)化(hua)管(guan)(guan)(guan)(guan)理(li)系(xi)(xi)統(tong)(tong)(tong)(tong)，得(de)(de)1分(fen)(fen)，否則(ze)得(de)(de)0分(fen)(fen)。

　　02、融資租賃業務轉型對數字化的需求

　　隨著數字(zi)化(hua)變(bian)革的加(jia)速推進(jin)以(yi)及各(ge)融(rong)資(zi)(zi)租(zu)(zu)賃(lin)(lin)公司業務(wu)(wu)發展(zhan)、市場的變(bian)化(hua)、管(guan)理的深入，融(rong)資(zi)(zi)租(zu)(zu)賃(lin)(lin)行業個別業務(wu)(wu)系統逐步暴(bao)露(lu)出(chu)技(ji)術(shu)架構(gou)老舊、使用流暢性(xing)低、功(gong)能(neng)(neng)可(ke)配置程度較低、預警不及時(shi)等(deng)眾多問題。同時(shi)，為進(jin)一(yi)(yi)步貼合實際業務(wu)(wu)，提高企業管(guan)理運行效(xiao)率，綜合利用數字(zi)化(hua)、智能(neng)(neng)化(hua)等(deng)金(jin)融(rong)科技(ji)手段來(lai)(lai)為融(rong)資(zi)(zi)租(zu)(zu)賃(lin)(lin)企業發展(zhan)賦能(neng)(neng)，提高工作效(xiao)率、降低業務(wu)(wu)風(feng)(feng)險(xian)，更有效(xiao)地(di)鏈接用戶(hu)和自身核(he)心(xin)資(zi)(zi)源(yuan)，以(yi)更好地(di)為前臺客戶(hu)提供一(yi)(yi)站式、定(ding)制化(hua)的金(jin)融(rong)服務(wu)(wu)。在借鑒同業先進(jin)做法(fa)上，越來(lai)(lai)越多的租(zu)(zu)賃(lin)(lin)企業會(hui)將原一(yi)(yi)體化(hua)核(he)心(xin)業務(wu)(wu)系統進(jin)行重構(gou)，打造適應未(wei)來(lai)(lai)發展(zhan)需要的新一(yi)(yi)代核(he)心(xin)系統，在租(zu)(zu)賃(lin)(lin)業務(wu)(wu)、風(feng)(feng)險(xian)管(guan)理、資(zi)(zi)金(jin)管(guan)理、財務(wu)(wu)管(guan)理、人力資(zi)(zi)源(yuan)管(guan)理及數據報表等(deng)方面(mian)提供全方位、一(yi)(yi)體化(hua)的數字(zi)化(hua)支撐。

　　03、數字化轉型的技術更新迭代需求

　　融資(zi)(zi)租賃企(qi)業(ye)(ye)的數字化建設(she)不是一(yi)朝一(yi)夕的事情，需要(yao)從(cong)整個(ge)(ge)業(ye)(ye)務發(fa)展(zhan)戰略、戰術上布局，是一(yi)個(ge)(ge)全員參與的浩(hao)大工程(cheng)，一(yi)旦(dan)選型失敗會耗費大量資(zi)(zi)金和最(zui)終用(yong)戶(hu)的時間(jian)精(jing)力(li)。因此應選擇技術成熟、功能(neng)完善(shan)、穩定高(gao)(gao)效的融資(zi)(zi)租賃信(xin)息化管(guan)理(li)平臺(tai)(tai)，為(wei)租賃企(qi)業(ye)(ye)的業(ye)(ye)務發(fa)展(zhan)提供有力(li)可(ke)持(chi)續支持(chi)。數字化平臺(tai)(tai)應具備科學、合理(li)、先進的軟件系統(tong)架(jia)構，并具有高(gao)(gao)度的靈活性和擴展(zhan)性，能(neng)滿足未(wei)來五年的業(ye)(ye)務發(fa)展(zhan)的需要(yao)，并可(ke)支持(chi)前瞻的AI智能(neng)化發(fa)展(zhan)。實(shi)現租賃業(ye)(ye)務線上一(yi)體化運作，以(yi)及客戶(hu)全生命周(zhou)期的規范精(jing)細化管(guan)理(li)，提高(gao)(gao)業(ye)(ye)務處理(li)效率和管(guan)理(li)水平。對內滿足新業(ye)(ye)務模式(shi)、客戶(hu)管(guan)理(li)、流程(cheng)審(shen)批、風險監控、業(ye)(ye)財(cai)一(yi)體化、項(xiang)目(mu)決策、經營分析等需求；對外(wai)(wai)滿足監管(guan)報送、外(wai)(wai)部系統(tong)數據對接需求。

　　04、融資租賃綜合管控平臺建設主要目標

　　通(tong)過構建統(tong)一(yi)業務操(cao)作平(ping)臺，對接外部大數(shu)(shu)據接口進(jin)行營(ying)銷(xiao)，實(shi)現全(quan)(quan)員自(zi)主(zhu)式展業，在(zai)同一(yi)平(ping)臺上(shang)對話，將日常零散的信(xin)息全(quan)(quan)部由(you)系(xi)統(tong)統(tong)一(yi)歸(gui)集統(tong)一(yi)進(jin)行處理(li)。豐富企業的獲客渠道(dao)、風(feng)(feng)(feng)控(kong)管(guan)(guan)(guan)理(li)等(deng)，全(quan)(quan)面(mian)(mian)(mian)提(ti)升經(jing)營(ying)管(guan)(guan)(guan)理(li)能(neng)(neng)力(li)(li)。此外，將風(feng)(feng)(feng)控(kong)指標(biao)與業務操(cao)作進(jin)行無縫銜接，建立完善(shan)的風(feng)(feng)(feng)險指標(biao)、模型、規則、評級(ji)體系(xi)等(deng)，深化(hua)(hua)全(quan)(quan)面(mian)(mian)(mian)的風(feng)(feng)(feng)險管(guan)(guan)(guan)控(kong)架構建設(she)。同時需要加(jia)強(qiang)(qiang)跨部門和跨系(xi)統(tong)的數(shu)(shu)據共享(xiang)，推(tui)進(jin)內外部數(shu)(shu)據高效(xiao)融合(he)，提(ti)高風(feng)(feng)(feng)控(kong)數(shu)(shu)字(zi)化(hua)(hua)能(neng)(neng)力(li)(li)。在(zai)資(zi)(zi)金管(guan)(guan)(guan)理(li)模塊建設(she)方面(mian)(mian)(mian)，提(ti)升資(zi)(zi)金管(guan)(guan)(guan)理(li)水平(ping)，實(shi)現對資(zi)(zi)金業務的統(tong)一(yi)管(guan)(guan)(guan)控(kong)，提(ti)升資(zi)(zi)金運(yun)營(ying)能(neng)(neng)力(li)(li)；打通(tong)銀(yin)企直連，以滿足多維(wei)度、多場(chang)景、差異化(hua)(hua)的財務核算要求，提(ti)升財務運(yun)營(ying)能(neng)(neng)力(li)(li)。在(zai)數(shu)(shu)據網(wang)絡(luo)(luo)安(an)全(quan)(quan)方面(mian)(mian)(mian)，加(jia)強(qiang)(qiang)網(wang)絡(luo)(luo)安(an)全(quan)(quan)防護、提(ti)高安(an)全(quan)(quan)檢測能(neng)(neng)力(li)(li)，加(jia)強(qiang)(qiang)網(wang)絡(luo)(luo)、安(an)全(quan)(quan)、系(xi)統(tong)、技(ji)術(shu)(shu)的管(guan)(guan)(guan)理(li)，積(ji)極運(yun)用(yong)市場(chang)上(shang)成熟穩(wen)定、安(an)全(quan)(quan)可靠(kao)的技(ji)術(shu)(shu)，防范化(hua)(hua)解信(xin)息化(hua)(hua)過程中潛在(zai)風(feng)(feng)(feng)險。充分運(yun)用(yong)技(ji)術(shu)(shu)能(neng)(neng)力(li)(li)，以客戶為中心(xin)，以風(feng)(feng)(feng)險為準繩、有效(xiao)統(tong)籌各類(lei)資(zi)(zi)源，助力(li)(li)公(gong)司(si)業務、商機、產品(pin)、成本、風(feng)(feng)(feng)險、資(zi)(zi)產、監管(guan)(guan)(guan)、資(zi)(zi)金管(guan)(guan)(guan)理(li)等(deng)。

　　05、數字化轉型的項目風險管理與應對策略

　　針對項目(mu)在(zai)(zai)(zai)業(ye)務(wu)需求(qiu)優先(xian)(xian)級不(bu)明確(que)，想法(fa)經常(chang)變(bian)化，需求(qiu)也反復變(bian)化，可(ke)能(neng)(neng)導(dao)致項目(mu)目(mu)標不(bu)清晰(xi)，系(xi)統(tong)(tong)(tong)設計(ji)(ji)和(he)(he)(he)開(kai)(kai)發(fa)路線受影(ying)響，影(ying)響項目(mu)進(jin)度和(he)(he)(he)質(zhi)量(liang)時(shi)。應(ying)加強對需求(qiu)管理的認識(shi)，并建立需求(qiu)分級評審機制，確(que)認需求(qiu)優先(xian)(xian)級，確(que)保(bao)(bao)(bao)變(bian)更可(ke)控，及(ji)時(shi)計(ji)(ji)劃和(he)(he)(he)資源安(an)(an)排(pai)，保(bao)(bao)(bao)障(zhang)項目(mu)順(shun)利(li)推進(jin)。對于線下歷史業(ye)務(wu)臺賬及(ji)數據(ju)質(zhi)量(liang)問(wen)題，可(ke)能(neng)(neng)影(ying)響數據(ju)遷(qian)移的準確(que)性(xing)和(he)(he)(he)完整(zheng)性(xing)，進(jin)而(er)影(ying)響系(xi)統(tong)(tong)(tong)上線進(jin)度和(he)(he)(he)業(ye)務(wu)開(kai)(kai)展。通過(guo)數據(ju)準備預(yu)(yu)演練，進(jin)行多輪模擬導(dao)入，提前發(fa)現(xian)(xian)和(he)(he)(he)解決(jue)數據(ju)質(zhi)量(liang)問(wen)題，確(que)保(bao)(bao)(bao)數據(ju)遷(qian)移的順(shun)利(li)進(jin)行，降(jiang)低(di)數據(ju)遷(qian)移風險。在(zai)(zai)(zai)系(xi)統(tong)(tong)(tong)對接集成(cheng)外(wai)部接口方(fang)(fang)面，第(di)三方(fang)(fang)配合度，可(ke)能(neng)(neng)導(dao)致系(xi)統(tong)(tong)(tong)功能(neng)(neng)無法(fa)按時(shi)實現(xian)(xian)，影(ying)響項目(mu)整(zheng)體進(jin)度。提前了解確(que)認所(suo)有相關接口開(kai)(kai)通的過(guo)程(cheng)和(he)(he)(he)手續，預(yu)(yu)留接口調試(shi)(shi)緩沖期，提前對接第(di)三方(fang)(fang)服務(wu)商，安(an)(an)排(pai)專業(ye)經驗(yan)豐富的對應(ying)開(kai)(kai)發(fa)人員，確(que)保(bao)(bao)(bao)外(wai)部接口的及(ji)時(shi)調試(shi)(shi)和(he)(he)(he)穩定運行，保(bao)(bao)(bao)障(zhang)系(xi)統(tong)(tong)(tong)集成(cheng)工作的順(shun)利(li)開(kai)(kai)展。在(zai)(zai)(zai)項目(mu)實施及(ji)開(kai)(kai)發(fa)方(fang)(fang)法(fa)論(lun)上，從項目(mu)啟動、需求(qiu)分析、藍圖設計(ji)(ji)、代碼(ma)構(gou)建、測試(shi)(shi)驗(yan)證、上線發(fa)布、驗(yan)收、交接等建立全流(liu)程(cheng)開(kai)(kai)發(fa)監(jian)控管理，明確(que)開(kai)(kai)發(fa)過(guo)程(cheng)關鍵(jian)活動，規范開(kai)(kai)發(fa)管理要求(qiu)，確(que)保(bao)(bao)(bao)開(kai)(kai)發(fa)質(zhi)量(liang)和(he)(he)(he)效率。

　　06、數字化轉型解決方案痛點分析

　　技(ji)術應用深度掣肘，中(zhong)小(xiao)融(rong)資(zi)租(zu)賃(lin)公司受制于成(cheng)本(ben)約束，數字化(hua)多停滯于基礎流程線上(shang)(shang)化(hua)（如OA系統(tong)），尚(shang)未建(jian)(jian)立全流程智能決策體系；部(bu)分(fen)技(ji)術開發商陷入低(di)價同質化(hua)競爭，技(ji)術服務收益難以覆蓋(gai)系統(tong)開發及(ji)運維(wei)成(cheng)本(ben)，導致業(ye)務可持續(xu)性承壓，引發新上(shang)(shang)系統(tong)大(da)面(mian)積停擺(bai)，造(zao)成(cheng)企(qi)業(ye)資(zi)源損耗(hao)與(yu)行(xing)業(ye)聲譽受損。此外，生(sheng)態(tai)協(xie)同進階(jie)路徑上(shang)(shang)，融(rong)資(zi)租(zu)賃(lin)公司可聯合征(zheng)信機(ji)構、金融(rong)科技(ji)公司、大(da)數據平臺及(ji)場景方共建(jian)(jian)開放生(sheng)態(tai)，整合風控(kong)建(jian)(jian)模、精準(zhun)獲客(ke)、資(zi)產評(ping)級等核心能力(li)。AI技(ji)術滲透深化(hua)上(shang)(shang)，采(cai)用大(da)模型替代傳統(tong)財報(bao)分(fen)析(xi)，實現動態(tai)信用評(ping)估。運營提效上(shang)(shang)，知(zhi)識(shi)庫構建(jian)(jian)、行(xing)業(ye)趨勢分(fen)析(xi)、自(zi)動化(hua)報(bao)告生(sheng)成(cheng)；資(zi)產監控(kong)上(shang)(shang)，應收賬款實時追蹤與(yu)反欺詐識(shi)別等。

　　最后，融(rong)(rong)資租(zu)賃行(xing)業(ye)(ye)(ye)數(shu)字(zi)(zi)化(hua)(hua)(hua)已從“工(gong)具賦能”邁入“重構(gou)業(ye)(ye)(ye)務模式”階段：頭部企業(ye)(ye)(ye)依托技術構(gou)建護(hu)城河，中小機(ji)構(gou)則需通過(guo)云服務降本提效。未來競爭核(he)心在(zai)于數(shu)據(ju)整合能力、場景滲透深度與生態協同效率，數(shu)字(zi)(zi)化(hua)(hua)(hua)將成為行(xing)業(ye)(ye)(ye)分(fen)化(hua)(hua)(hua)的(de)關鍵(jian)變量。“融(rong)(rong)資租(zu)賃數(shu)字(zi)(zi)化(hua)(hua)(hua)轉(zhuan)型的(de)終極目標，是通過(guo)產融(rong)(rong)數(shu)據(ju)的(de)深度融(rong)(rong)合，讓金融(rong)(rong)服務‘嵌入’實體(ti)產業(ye)(ye)(ye)的(de)生產環節，唯(wei)有如此，才(cai)能真正實現‘以融(rong)(rong)促產、以產興融(rong)(rong)’，讓數(shu)字(zi)(zi)化(hua)(hua)(hua)成為破(po)解‘金融(rong)(rong)與實體(ti)脫節’的(de)關鍵(jian)抓(zhua)手。”