On October 15, 2021, the "2021 China Financial Leasing General Manager Summit Forum Golden Tripod Award Ceremony" hosted by Rongyixue was successfully held in Shanghai.
At the Awarding Ceremony of the "Golden Tripod Award" at the China Financial Leasing General Manager Summit Forum, Zhang Lei, General Manager of Haier Financial Leasing, won the "2021 Financial Leasing General Manager of the Year Award".
After the Awards Ceremony, RongYixue conducted a personal interview with Mr. Zhang Lei, General Manager of Haier Financial Leasing.
01
Company positioning, objectives and strategic planning
Media: From its establishment in 2013 to today, Haier Financial Leasing adheres to the road of professional and characteristic development, develops steadily, and has become the industry's leading integrated service platform for industrial operation. Please tell us about the positioning, objectives and strategic planning of Haier Financial Leasing.
Zhang Lei: Since its inception, Haier Financial Leasing has adhered to the positioning of industrial finance, focused on serving the real industry and serving the real economy, focused on doing fine minority industries, insisted on not doing government platform financing, and did not do investment and financing channels for non-bank institutions.
The concept and model of "industrial finance" that we adhere to, that is, around the industrial chain, with finance as a link tool, with the construction of the ecosystem as the process, through resource allocation and reorganization, industrial ecological reconstruction, to help improve industrial operation efficiency and industrial transformation and upgrading, and ultimately achieve sustainable development of the industry.
Under the guidance of the development strategy of "ecology, science and technology, and investment banking", we are committed to taking the differentiated development path of "heavy vertical industry line, deep layout of industrial chain, open and co-construction ecosystem", continue to promote the platform transformation of "scene + technology + finance", and "create a new win-win model, symbiosis and sharing of new ecology" with industrial customers by building a benign industrial ecosystem.
02
First there is industrial understanding, and then there is financial services
Media: Haier Financial Leasing has always adhered to serving the real industry and serving the real economy, and also asked Mr. Zhang to introduce the industry areas currently covered by Haier Financial Leasing and the strategic thinking on business layout.
Zhang Lei: Haier Financial Leasing adheres to the "industrial finance" model, always adheres to the principle of conducting research first, first has industrial understanding, and then has financial services. In terms of industry selection, we give priority to the industry that conforms to the national top-level strategy, has medium- and long-term industrial policy support, and is related to the national economy and people's livelihood and consumption upgrading trends, and at present, the service field is deeply focused on intelligent manufacturing, medical health, education and culture, agriculture and animal husbandry food, small and micro finance and other fields, with the goal of building a benign industrial ecosystem, further creating an open and win-win industrial ecosystem, and better contributing to industrial development.
Taking intelligent manufacturing as an example, the intelligent manufacturing field is the track that Haier Financial Leasing began to lay out in 2014, based on the characteristics of large market space, good liquidity, high safety and long life cycle of the manufacturing plate, we position the intelligent manufacturing plate as a long-term configuration plate. Manufacturing is a country's scientific and technological level and economic strength of the concentrated embodiment, China's industrial upgrading process, along with the increase in demand for equipment renewal, the financial leasing industry can make full use of its own advantages, leased property as the core to provide capital value-added services, to help enterprises to inventory, accelerate equipment circulation, improve the rate of return on assets, enhance market competitiveness, can effectively promote industrial technology upgrading and transformation, play a role in the real economy "blood transfusion" effect.
In the future, Haier Financial Leasing will continue to grind the industry layout strategy, conduct quantitative evaluation of subdivided industries on the basis of in-depth understanding of the industry, build a diversified product service system, realize industrial synergy and resource linkage, and effectively play the multiplier effect of the combination of industry and finance.
03
Progress in the company's scientific and technological innovation
Media: At present, "scientific and technological innovation" is a hot word in the financial leasing industry and even the entire financial industry, please ask Mr. Zhang, what progress has Haier Financial Leasing made in scientific and technological innovation in recent years?
Zhang Lei: In recent years, Haier Financial Leasing has adhered to the development path of "scene + finance + technology" and promoted industrial transformation and upgrading with services and innovation, of which technology plays an increasingly important role. With the rapid development of artificial intelligence, big data, cloud computing, Internet of Things and other technologies, technology has begun to play an increasingly important and indispensable value in the two aspects of "'inward' realization of 'management digitalization' and 'outward' empowerment of 'business digital intelligence'".
Under the goal of "embracing technology and digital intelligence empowerment", our focus is mainly on two aspects, one is to focus on increasing the application level of tool investment, including the automatic identification and analysis of financial reports, automatic analysis of bank flows, automatic generation of back adjustment reports and other applications; the second is to build business scenarios such as "school networking" and "financial protection", combining "B2B platform + SaaS + AI" with "financial leasing business", through data connectivity, to achieve industrial closed loop and capital closed loop, and to establish a "credit record" for enterprises. Help small and micro enterprises get rid of the dilemma of difficult and expensive financing.
Taking the "Campus Life Technology Service Platform - School Networking" as an example, in order to solve the "pain points" of campus scene operators' financing difficulties and equipment vendors' difficulties in receiving payments, Haier Financial Leasing provides campus operators with comprehensive financial services for campus scene operation projects through the innovative service model of "Internet of Things + Scenario + Finance", builds a school network ecosystem, realizes the closed loop of funds, and solves the business problems of campus operators' financing difficulties and expensive financing. In addition, through technical means such as "big data + SaaS + IoT + AI", the school network enables operators to achieve dynamic visualization and real-time monitoring of background data, helping operators improve operational efficiency in an all-round way and improve the comprehensive profitability of projects. This is also the result of Haier Financial Leasing's continuous innovation in models and products with the configuration of funds, assets and capital combinations, to meet the personalized needs of users in "full cycle and multi-scenario", and to help improve the efficiency of industrial operations.
04
Prospects and outlook for the future of the leasing industry
Media: At present, leasing companies are seeking transformation and upgrading, what is your company's view, and what predictions and prospects do you have for the future of the leasing industry?
Zhang Lei: At present, the financial leasing industry has entered a period of transformation and development, how to make leasing return to its roots, enhance market competitiveness, and help the development of the real economy is the top priority of transformation.
As far as the financial leasing industry is concerned, on the one hand, the competition of customer groups has entered the stage of white-knife warfare, with the increasing and strict regulatory policies of the state to guide finance into the real economy, the competition of leasing business customer groups has entered the situation of "upward and sinking" two reverse trends coexisting at the same time: for the sake of asset security, the customer group "further converges upwards" to the top customer groups such as central state-owned enterprises and large-scale high-quality private leaders, but such customer groups are limited and the cost is demanding; and out of the demand for development space, the customer groups "further explore the bottom downwards" At the level of small and medium-sized enterprises, such customer groups are more risky and have high requirements for scientific and technological capabilities. On the other hand, although there is a consensus on the transformation of the leasing industry, homogeneous competition is still inevitable in the case of unclear transformation direction and unclear path. The undeniable reality is that the reshuffle of the financial leasing industry has officially begun, and in the future, the "double head" effect will be more obvious and accelerate differentiation.
At present, the industry is gradually showing a polarization trend, and "because of the great Hengqiang" or "because of the beauty of the specialization" will become two different choices. The larger the scale of the head leasing company, the faster the asset scale and profit growth; the remaining leasing companies actively create development advantages in terms of capital, professional capabilities, scientific and technological means, etc., focus on specific industries, focus on subdivisions, and form professional advantages based on their own resource evaluation and company development vision. In the future, the entire leasing industry will no longer encounter a policy and economic development dividend period that can counterattack to the scale of 100 billion in just a few years. "Exclusive and beautiful" is a hard choice under the current trend, and constantly deepening innovation and exploration, transforming to ecology, investment banking, and science and technology, returning to the origin of leasing, and continuously strengthening the ability to serve the real economy has become a hard requirement for survival.
Zhang Lei, General Manager of Haier Financial Leasing Co., Ltd
Master of Business Administration of Nankai University, a pioneer and practitioner of china's financial leasing industry to truly "go global". He has founded a fully localized financial leasing company or a local licensed financial institution in 6 countries and regions, with more than 13 years of practical experience and international management ability in the quasi-financial industry, and has been rated as the annual person of the year in China's financial leasing list and a director of the China Foreign Leasing Committee.
He joined Haier in 2015 and has served as deputy general manager and general manager of Haier Financial Leasing, and has been in charge of strategic marketing department, medical care, urban transportation and transportation division. He is fully responsible for the operation and management of Haier Financial Leasing, explores differentiated paths, and focuses on vertical industry segments and professional development paths. Thanks to the strategic direction of adhering to ecology, science and technology and investment banking proposed by Mr. Zhang Lei, Haier Financial Leasing has developed steadily and gradually formed a development model based on financial leasing and supplemented by diversified operations.