Research On Differentiated Development Of A Financial Leasing Company

With the rise of China's leasing industry,the establishment of banking financial leasing companies can not only promote the comprehensive development of banks themselves,improve their competitiveness,but also add new pulse to China's financial leasing industry and help the diversified growth of the financial market.Despite the advantages of the bank rental companies,the homogenization of product types,customer choice,product structure and other issues has become increasingly serious in the development.Credit risk will be caused by the combination of financing and financial lease,high value of lease and long lease term.China's banking rental companies were founded late,and they need to be strengthened in the development and control of business differentiation.Therefore,it is imperative to explore the differentiation of financial leasing companies.In this paper,through case analysis,statistical analysis,comparative analysis of a relatively new type of financial industry on the elaboration and study.Firstly,it defines the rent company and the general theory of homogenization and differentiation,and expounds the main manifestations and reasons of homogenization in the rent industry.It is pointed out that the homogeneity development of rent industry is manifested in three aspects: product type,product structure and customer choice homogeneity.Taking Company A as an example,this paper analyzes the manifestations,causes and influences of the homogeneity of company A's business.Through case analysis and comparative analysis,this paper expounds and analyzes the successful cases of differentiated development of rental industry.In order to benefit the survival of enterprises and the future development of business in the direction of differentiated development,it will construct a new rental mode based on its own resource endowment and strategic positioning,realize differentiated and specialized management,and Form their own stable customer base,product service homogeneity phenomenon weakened,create a comprehensive leasing products,find out the practical experience and inspiration for its development and design a survival Road in line with the differentiation of A company.