《中国租赁》科技＋运营：为汽车租赁增强内生动力<Engli

近日，平安国际融资租赁有限公司(以下简称“平安租赁”)公布了2019上半年业绩。数据显示，2019年上半年，平安租赁实现营业收入98.52亿元，同比增长42.7%，净利润为20.25亿元，同比增长42.4%。

值得一提的是，除了总体营业收入、净利润持续向好之外，平安租赁的汽车业务表现尤为亮眼。业绩报告显示，在继2018年实现全年投放额增长超100%之后，平安租赁的汽车租赁业务在2019年上半年的投放额达到104亿元。

在我国车市充满不确定性、汽车行业下行周期较明显的大背景下，平安租赁汽车业务能够实现高速稳健运营，引发市场瞩目。对此，平安租赁方面表示，通过发力“科技赋能+金融运营”来构建租赁公司发展汽车业务的差异化竞争优势，可成为当下汽车租赁业突围的关键。

事实上，当前我国汽车金融行业正步入变革升级的关键时点。一方面，受到国内外复杂经济形势的影响，我国新车产销量增速出现了放缓迹象，汽车融资租赁业务作为汽车金融业务中的一个新行业开始兴起；另一方面，汽车金融市场也形成了多元化竞争格局，融资租赁公司逐渐成长为参与汽车金融市场的重要主体。

预计未来3年，汽车融资租赁业将保持20%左右的复合增速，到2021年汽车融资租赁市场规模也将达到3897亿元。实际上，与大型飞机、船舶租赁项目不同的是，汽车租赁主要针对C端消费者客户开展业务，需要面向个人签订租赁合同。因此，处理好风险控制和效率问题是顺利开展汽车租赁业务的关键。针对汽车租赁市场这一特点，当前市场上已有不少汽车租赁公司发力科技能力建设，通过应用大数据、云计算等技术，在风控端口进行科技化布局。

据平安租赁方面介绍，平安租赁汽车业务的发展，离不开低成本、高效率的业务拓展和风险防范工作。而这些背后，则得益于内部构建的一整套“数据+模型+科技”的智能风控保障及服务体系。在客户识别上，平安租赁通过与平安科技及前海征信合作，掌握多维度车贷数据；在车辆品控上，借助平安产险的车辆信息资源，形成了对二手车车况较强的把控力度；在金融风控上，开发出反欺诈模型，实现自动预审批，搭建了智能风控体系，进行风险预判；此外，还启用了设备指纹、人工智能、声纹识别等技术提高审查效率，增强欺诈识别能力，进而促进汽车租赁业务稳健增长。

为了进一步开拓汽车金融后服务市场，业内公司已纷纷开始行动。如发力商用车细分市场的狮桥集团，便围绕体司机车主在后期运营和退出置换中遇到的难题，为其提供了后市场运营资金服务、货运订单服务和二手车交易服务，以精细化运营能力打造全周期的商用车服务生态体系。

（资料来源: 中国金融新闻网）

English Digest

Technology + Operation: enhancing internal power for car Rental

Recently, Pingan International Financial Leasing Co., Ltd. (hereinafter referred to as "Pingan Leasing") announced the results of the first half of 2019. Data shows that in the first half of 2019, Pingan Leasing achieved operating income of 9.852 billion yuan, an increase of 42.7 percent year on year, a net profit of 2.025 billion yuan-an increase of 42.4 percent year on year.

It is worth mentioning that in addition to the continuous improvement of overall operating income and net profit, Pingan rental car business performed brightly in particular. According to the performance report, the car rental business of Pingan Leasing reached 10.4 billion yuan in the first half of 2019, following a full-year increase of more than 100 per cent in 2018.

Under the background that China's car market is full of uncertainty and the downward cycle of the automobile industry is obvious, Pingan rental car business has attracted the attention of the market as it can achieve high-speed and steady operation. In this regard, Pingan Leasing said that companies can build car business differentiation competitive advantage through the development of "scientific and technological empowerment + financial operation", which can become the key to break through the current car rental industry.

In fact, at present, China's auto finance industry is entering the key point of reform and upgrading. On the one hand, under the influence of the complex economic situation at home and abroad, the growth rate of new car production and sales in China has slowed down, and automobile financial leasing business has begun to rise as a new industry in automobile finance business. On the other hand, the automobile financial market has also formed a diversified competition pattern, and the financial leasing company has gradually grown into an important main body to participate in the automobile financial market.

It is expected that in the next three years, the automobile financial leasing industry will maintain a compound growth rate of about 20 percent, and the size of the automobile financial leasing market will reach 389.7 billion yuan by 2021. In fact, unlike large aircraft and ship leasing projects, car leasing is mainly aimed at C-end customers to carry out business, the need to sign lease contracts for individuals. Therefore, dealing with the problems of risk control and efficiency is the key to the smooth development of car rental business. In view of the characteristics of the car rental market, there are many companies in the current market put efforts in building scientific and technological capacity through the application of big data, cloud computing and other technologies and scientific and technological layout in the risk control port.

According to Pingan Leasing, the development of Pingan rental car business is inseparable from low-cost, efficient business development and risk prevention work. Behind these, it benefits from the internal construction of a set of "data + model + technology" intelligent risk control protection and service system. In terms of customer identification, Pingan Leasing grasps multi-dimensional car loan data through cooperation with Pingan Technology and Qianhai Credit, and forms a strong control over the condition of used cars with the help of the vehicle information resources of Pingan property Insurance in vehicle quality control. In the financial risk control, the anti-fraud model is developed, the automatic pre-examination and approval is realized, the intelligent risk control system is set up, and the risk prediction is carried out. In addition, equipment fingerprint, artificial intelligence, voice print recognition and other technologies have been used to improve the efficiency of examination and enhance the ability of fraud identification, so as to promote the steady growth of car rental business.

In order to further develop the auto finance post-service market, companies in the industry have begun to act one after another. For example, Lion Bridge Group, which has a market segment of commercial vehicles, has provided post-market operating capital services, freight order services and second-hand car trading services to the owners of bypass drivers in the later stage of operation and withdrawal from replacement, refining the operational capacity to create a full cycle of commercial vehicle service ecosystem.

翻译：胡嘉璐

审校：张 媛

编辑：刘学敏