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From Transplantation to Innovation: Evolution, Diversity, and Differences in Chinese and Foreign Financial Leasing Models

Ziyi Xu

Abstract


This study systematically analyzes the evolutionary trajectory, diversity, and disparities between Chinese and foreign financial
leasing models. By examining the transplantation of international practices to China and subsequent innovations, it reveals how domestic adaptation has fostered diversification while highlighting institutional, regulatory, and operational contrasts. Drawing on historical data, policy
frameworks, and case studies, this research provides insights into the global evolution of financial leasing and its localized transformation in
China, offering implications for academic discourse and industry practices.

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References


[1] Ren, R. (2023). The historical evolution and development trends of financial leasing. Renwen Library. Traces the global and Chinese

leasing industrys historical development, highlighting regulatory and operational challenges.

[2] Zeng, X., & Wang, Y. (2024). China Financial Leasing Industry Development Report CL100-2024. China Leasing Working Committee

of the Association of Enterprises with Foreign Investment. Provides comprehensive data on Chinas leasing market structure, regional

disparities, and policy impacts.

[3] China Banking Association. (2024). China Financial Leasing Industry Development Report (2024). Details Chinas financial leasing

sector performance in 2023, including asset scale, direct leasing growth, and strategic shifts toward green and tech financing.

[4] World Bank. (2023). Global Financial Inclusion Database. Provides cross-country data on leasing penetration and SME financing,

benchmarking Chinas performance against global standards.

[5] Ping An International Financial Leasing Co., Ltd. (2023). Annual Report and Corporate Website. Demonstrates Chinas leasing innovation through Tech Transformation Express and IoT-driven asset management in manufacturing.

[6] Ren, R., & Chen, Y. (2023). Comparative Study on SME Leasing Practices in China, the U.S., and Japan. Renwen Library. Highlights

institutional barriers and innovation pathways in SME financing across regions.




DOI: http://dx.doi.org/10.70711/frim.v3i9.7322

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