数据显示，目前金融租赁全行业的杠杆率离银监会划定的12.5倍“天花板”已经不远。业内资深人士预计，在2013年，如果金融租赁公司不再进行比较大的增资，那么行业增速将会出现明显的放缓。

Data display,At present financial leasing industry-wide leverage ratio from the CBRC designated 12.5 times"ceiling"Has not.The industry is expected to senior people,In 2013,If financial leasing companies are no longer making a large endowment,So industry growth will appear obvious slowdown.

　　⊙记者 颜剑 ○编辑 枫林

⊙ reporter YanJian ○ editing bush

　　记者获悉，截至2012年末，银监会监管下的20家金融租赁公司总资产规模达7986.29亿元，同比增长51.6%。而上年末，已开业的17家金融租赁公司总资产规模为5267.78亿元。

The reporter learns,By the end of 2012,Under the supervision of the banking and financial leasing company's total assets scale up to 798.629 billion yuan,Year-on-year growth of 51.6%.And ShangNianMo,Already opened 17 home financial leasing company total assets scale for 526.778 billion yuan.

　　今年增速或放缓 This year growth or slow

　　数据显示，截至2012年末，全行业融资租赁资产规模达6979.71亿元，经营租赁资产规模为582.64亿元，分别同比增长52.75%、38.19%。而上年同期，这两项资产规模分别为4569.35亿元、421.61亿元。

Data display,By the end of 2012,The industry financing lease asset scale up to 697.971 billion yuan,Operating leases asset scale for 58.264 billion yuan,A year-on-year increase of 52.75%, respectively/38.19%.And the same period last year,The two asset scale is 456.935 billion yuan respectively/42.161 billion yuan.

　　负债方面，截至去年年末，全行业总负债7136.40亿元，同比增长53.76%。数据显示，上年同期，全行业总负债规模为4641.19亿元。

Liabilities in,By the end of last year,The industry total liabilities is 713.64 billion yuan,Year-on-year growth of 53.76%.Data display,The same period last year,The industry total liabilities scale for 464.119 billion yuan.

　　数据还显示，全行业的实收资本仅为631.23亿元。按照银监会的规定，金融租赁公司的杠杆率不得超过12.5倍。如果简单地不计入未分配利润等数据进行测算得出时点数据不太准确，但实际上全行业的杠杆率离“天花板”已经不远。业内资深人士称，可以预计的是，2013年，如果金融租赁公司不再进行比较大的增资，那么行业增速将会出现明显的放缓。

Data also shows that,The industry of the paid-in capital is 63.123 billion yuan only.In accordance with the provisions of the banking regulatory commission (CBRC),Financial leasing companies leverage ratio shall not be longer than 12.5 times.If simply not included in the undistributed profit measure data at that data is not too accurate,But in fact the whole industry from leverage ratio"ceiling"Has not.The senior personage says,One would expect,In 2013,,If financial leasing companies are no longer making a large endowment,So industry growth will appear obvious slowdown.

　　该人士称，由于监管层对金租公司的增资审批方面比较严格，因而包括工银租赁、民生租赁等在内的金融租赁公司进行了资产证券化的尝试。“通过该种方式，将租赁资产转出表外，从而降低了杠杆倍数。”据悉，目前，工银租赁、民生租赁的资产证券化均已获得监管机构的批文。

This personage says,Due to the supervision on the gold layer to rent the company's capital increase in examination and approval is strictly,So work including silver lease/The people's livelihood leasing, financial leasing company for asset securitization attempt."By the way,The leased asset will turn out off-balance sheet,So as to reduce the leverage ratio."It is reported,At present,Work silver lease/The people's livelihood of all lease asset securitization has received regulatory approval.

　　针对融资租赁资产近7000亿元的规模，该人士称，这实际了说明了金融租赁公司做的还是类信贷业务，而经营租赁方面的业务主要是在飞机、轮船等设备的租赁。

According to the financing lease assets of nearly 700 billion yuan scale,This personage says,This illustrates the actual financial leasing company do or class credit business,And operating lease business mainly in the plane/The ship equipment leasing.

去年行业业绩大增 Last year a industry performance

　　2012年全行业实现营业收入535.9亿元、营业净收入为226.89亿元、净利润为102.25亿元，分别同比增长62.16%、48.41%、60.17%。而上年同期，全行业实现营业收入330.47亿元、营业净收入为152.88亿元，净利润为63.84亿元。

In 2012 the industry to realize the business income is 53.59 billion yuan/Business net income for 22.689 billion yuan/Net income for 10.225 billion yuan,A year-on-year increase of 62.16%, respectively/48.41%/60.17%.And the same period last year,The industry to realize the business income is 33.047 billion yuan/Business net income for 15.288 billion yuan,Net income for 6.384 billion yuan.

　　尽管国银租赁、工银租赁、民生租赁、交银租赁分别以1408.87亿元、1190.49亿元、960.98亿元、707.95亿元的总资产规模位居行业前四名，但行业的利润排名与资产规模排名并不一致。在净利润方面，国银租赁、民生租赁、工银租赁、华融租赁分别以12.24亿元、12.21亿元、11.66亿元、10.06亿元居于行业前列。就此，该人士认为，这说明工银租赁业务的利差要小于民生租赁。

Although countries silver lease/Work silver lease/Lease the livelihood of the people/Pay silver lease with 140.887 billion yuan respectively/119.049 billion yuan/96.098 billion yuan/The total assets of 70.795 billion yuan in the first four industry scale,But industry profits ranking and assets scale ranking is not the same.In the net profit in,Countries silver lease/Lease the livelihood of the people/Work silver lease/Wisewin lease with 1.224 billion yuan respectively/1.221 billion yuan/1.166 billion yuan/1.006 billion yuan in forefront of the industry.on,The people think,This shows that silver work leasing business spread than the livelihood of the people the lease.

　　不过，各家金租公司的净利润增速则另有千秋，在剔除2012年开业的浦银租赁、皖江金租、北部湾金租数据不具可比性之后，兴业租赁、招银租赁、信达租赁、农银租赁、建信租赁分别以同比增长125.93%、116.54%、106.90%、87.84%和68.46%居于行业前列。

but,Each gold rent company net profit growth is another years,In eliminate opened in 2012, PuYin lease/Anhui JiangJin rent/Beibu gulf gold rent data do not have after comparability,Industrial lease/ZhaoYin lease/The lease/Agriculture silver lease/Built respectively by letter lease a year-on-year increase of 125.93%/116.54%/106.90%/87.84% and 68.46% in the industry forefront.

　　一般而言，金融租赁公司开展业务后第三年的生息资产规模增长较快，这也就导致了其利润增速会发展较快，但到了第五年则会进入相对稳定期。

Generally speaking,Financial leasing companies doing business in the third year after the interest-earning assets scale is growing rapidly,This will lead to the profit growth will be developed rapidly,But in the fifth year, will enter the relative stationary phase.

　　由于2012年经济形势的复杂性，行业内部分公司的不良资产率出现了不同程度的上升。其中民生租赁、信达租赁、华融租赁的不良资产率分别较上年末增加了42个基点和36个基点、22个基点。与此同时大多数企业均增加了拨备，并大幅提高了拨备覆盖率。

Because of the complexity of the economic situation in 2012,Industry branch of bad assets ratio appeared different degree of rise.The livelihood of the people the lease/The lease/Wisewin lease of bad assets ratio were more ShangNianMo increased and a starting point and 36 basis points/22 basis points.Meanwhile, most of the enterprises are increased provision,And increase the provision coverage.

　　数据显示，截至2012年末，山西金租、华融租赁、江苏金租、长城国兴金租分别以1.29%、0.96%、0.90%、0.88%的不良资产率居于行业前列。

Data display,By the end of 2012,Shanxi gold rent/Wisewin lease/Jiangsu gold rent/The Great Wall GuoXing gold rent by 1.29% respectively/0.96%/0.90%/0.88% of the bad assets ratio in the industry forefront.

　　2012年下半年以来，融资租赁公司的涉诉纠纷出现上升趋势，多家公司发起了对承租人的诉讼。日前，有媒体报道称，中国涉外商事海事审判网发布的消息显示，“日前，海商庭接办华融金融租赁股份有限公司诉至宁波海事法院的四个船舶融资租赁合同纠纷案件，总标的额高达6亿余元。”

Since the latter half of 2012,Financial leasing company in disputes involving lawsuit rising trend,Many companies have launched to the lessee lawsuit.a,Media reports said,China's foreign commercial maritime trial network news releases display,"a,Maritime court later wisewin financial leasing co., LTD., ningbo maritime court appeal of the four ship financing lease contract disputes,Total bid up to more than 600 million yuan."