关于本报告 关于江苏金租 社会责任管理 意见反馈
About the report About JFL Social responsibility management Feedback request
Company profile Social responsibility philosophy
Social evaluation Communication with stakeholders
Key performance indicators
党建引领 打造治理典范 绿色领航 共赢低碳未来 责任筑基 “苏”写美好未来 专题／Special focus: 专题／Special focus: 专题／Special focus:
Governance Environment Social 服务实体经济 走进千家万户 着眼全球视野 加速国际化布局 深化科技赋能 融合业务发展
Serve the real economy and Take a global perspective and Deepen technology empowerment
extend our reach to countless boost global presence and integrate business
Integrate Party building into Improve green management Elevate customer experience
governance with warmth and care in households development
Enhance governance 02 合作共赢未来
continuously 03 拓展绿色融资 Join hands to achieve win-win
Expand green financing results in the future
Identify strategic directions 04 倡导绿色理念 03 传递公司价值
Advocate green concepts Convey corporate values
Implement risk controls for 04 致力员工关爱
development Focus on employee well-being
Gather positive forces
About the report 编制依据
Preparation basis
中国银行保险监督管理委员会《银行业保险业绿色金融指引》
Guidelines on Green Finance for Banking and Insurance Industries issued by the
China Banking and Insurance Regulatory Commission
关于本报告 中国人民银行《金融机构环境信息披露指南》
Environmental Information Disclosure Guidelines for Financial Institutions
issued by the People's Bank of China
上海证券交易所《上海证券交易所上市公司自律监管指引第1号——规范运作》
本报告是江苏金融租赁股份有限公司（简称“江苏金租”或“公司”）发布的第六份社会责任报告。 No. 1 Guidelines for Self-regulation and Governance of Listed Companies on
报告披露了江苏金租2022年度在经济、环境、社会及公司治理等责任领域的主要实践和成果， the Shanghai Stock Exchange - Standard Operation issued by Shanghai Stock
旨在回应利益相关方的期望和关注，并促进公司持续提升ESG表现。 Exchange
This is the sixth Corporate Social Responsibility (CSR) report published by Jiangsu Financial Leasing
Co., Ltd. (hereinafter referred to as "JFL" or "the Company"). The report discloses the Company's 香港联合交易所《环境、社会及管治报告指引》
major practices and achievements in economic, environmental, social, and corporate governance Environmental, Social and Governance Reporting Guide issued by Stock Exchange
responsibilities in 2022, aiming to address the expectations and concerns of stakeholders and promote of Hong Kong
the continuous improvement of the Company's ESG performance.
中国社会科学院《中国企业社会责任报告指南(CASS-ESG 5.0)》
China Corporate Social Responsibility Reporting Guide (CASS-ESG 5.0) issued
by China Academy of Social Sciences
全球报告倡议组织(Global Reporting Initiative, GRI)《可持续发展报告标准》
Sustainability Reporting Standards issued by the Global Reporting
时间范围 2022年1月1日至2022年12月31日，为增强报告可比性及前瞻性，部分内容往
Initiative (GRI)
Reporting period 前后年度适度延伸。
The reporting period spans from January 1, 2022, to December 31, 2022. To augment
the report's comparability and foster a forward-looking perspective, some content
moderately extends to encompass prior and subsequent years. 可靠性保证 本公司董事会保证，本报告中所披露的信息、数据真实可靠，不存在任何虚假
Reliability assurance 记载或误导性陈述。
The Board of Directors of the Company warrants that the information and data
disclosed in this report are true and reliable and free from any false records or
数据说明 本报告所引用的财务数据主要来自经审计的2022年度财务报告，其他数据
misleading statements.
Data description 来源于公司内部系统或人工整理等。本报告披露数据所使用的统计方法与
往年保持一致，如统计方法或计算口径有任何变更，将会予以说明。
The financial data cited in this report are primarily sourced from the audited
financial statements for the year 2022, while other data are derived from the 发布形式 本报告以印刷版（采用环保纸印刷）和网络版两种形式发布，网络版可在公
Company’s internal systems or manual collation. The statistical methods used for Publication forms 司网站（https://www.jsleasing.cn/）查阅。本报告以中文、英文两种语言
the data disclosed in this report are consistent with those of previous years. Any 发布，在对两种文本理解发生歧义时，请以中文文本为准。
changes in statistical methods or calculation basis will be explained. This report is available in both print (printed on eco-friendly paper) and digital
formats. The digital version can be accessed on the Company's website (https://
本报告中所涉及货币种类及金额，如无特殊说明，均以人民币为计量单位。 www.jsleasing.cn/). This report is presented in both Chinese and English
Unless otherwise specified, all monetary figures and amounts mentioned in this languages. In the event of any inconsistencies between the two versions, the
report are denominated in CNY. Chinese version shall prevail.
关于江苏金租
About JFL
Company profile
III
组织架构
Organizational structure
江苏金融租赁股份有限公司（股票代码：600901.SH）成立于1985年6月，是经中国银行保险监
I 督管理委员会批准从事融资租赁业务的非银行金融机构。公司于2018年在上海证券交易所挂牌上
市，成为国内第一家也是唯一登陆A股的金融租赁公司。 股东大会
Shareholders’ General Meeting 战略委员会
Founded in June 1985, Jiangsu Financial Leasing Co., Ltd. (stock code: 600901.SH) is a non-banking
Strategy Committee
公司概况 financial institution approved by the China Banking and Insurance Regulatory Commission to conduct
Overview financial leasing business. Since its listing on the Shanghai Stock Exchange in 2018, the Company has 监事会
Board of Supervisors 风险管理委员会
become the first and the only financial leasing company listed on China's A-share market. Risk Management Committee
多年来，公司秉承“专业化、差异化、国际化”发展理念，坚持“服务中小、服务三农、服务民生”
董事会 提名与薪酬委员会
战略定位，结合国际、国内租赁实践经验，聚焦绿色能源、交通运输、高端装备、幸福民生等领 Board of Directors General Meeting Nomination and Remuneration Committee
域，为数十万家企业和个人提供了专业化、特色化融资租赁服务。
Over the years, the Company has consistently adhered to its development philosophy of "specialization, 审计委员会
Board of Auditors
differentiation, and internationalization," maintaining a strategic focus on "serving small and medium-
sized enterprises, agriculture, rural areas and rural people, and people's livelihoods." By integrating
关联交易控制委员会
international and domestic leasing expertise, the Company concentrates on sectors such as green 经营层 Related Party Transaction Control Committee
energy, transportation, high-end equipment, and citizen well-being, delivering professional and featured Management Team
financing leasing services to hundreds of thousands of businesses and individuals.
清洁能源事业部
产业金融事业部
大健康事业部
工业装备事业部
工程机械事业部
汽车金融事业部
航运金融事业部
厂融中心
金融同业部
信息科技部
风险管理部
授信评审部
法律事业部
资产管理部
财务部
办公室
人力资源部
审计部
II
主要业务领域
清洁能源 交通运输 工业装备 农业机械 工程机械
Major business Clean Energy Transportation Industrial Agricultural Engineering
Clean Energy Division
Industrial Finance Division
Holistic Health Division
Industrial Equipment Division
Construction Machinery Division
Auto Finance Division
Shipping Finance Division
Industry and Finance Center
Financial Interbank Department
Information Technology Department
Risk Management Department
Credit Review Department
Legal Affairs Division
Asset Management Department
Finance Department
Office
Human Resources Department
Audit Department
Equipment Machinery Machinery
areas
文化旅游 信息科技 节能环保 医养健康 城市民生
Culture And Information Energy Conservation Health Care And Urban
Tourism Technology & Environmental Wellness Livelihoods
Protection
Social evaluation
III 2022 年主要奖项荣誉
Major awards in 2022
奖项名称 ／ Award
国有企业公司治理示范企业
颁发单位 ／ Granted by
国务院国资委办公厅
I
General Office of the State-owned Assets Supervision
第五届“全国文明单位” Exemplary State-owned Enterprise in Corporate Governance and Administration Commission of the State Council
One of the "National Civilized Units" in the 5th batch
国务院国资委《双百行动专刊》
Special Issue for the Reform Actions of 100+
三项制度改革成效案例 Subsidiaries of Central State-owned Enterprise
国内最早成立的金融租赁公司之一 Successful Case of Three System Reforms and 100+ Local State owned Backbone Enterprises,
治理 State-owned Assets Supervision and Administration
行业地位 One of the earliest financial leasing companies in China Commission of the State Council
奖项
Industry status 参加全国第五次金融工作会议（租赁行业唯一代表）
Shanghai Securities News
"Golden Quality" ESG Award in 2021
Sole representative of the leasing industry at the 5th National Financial Work Conference
Governance
awards 第十六届 “ 金蝉奖 ” 之 2022 年度优秀上市公司治理奖 华 夏 时 报
The 16th "Golden Cicada Award" - Outstanding Listed Company in Corporate China Times
唯一主板上市的金融租赁公司 Governance in 2022
The only financial leasing company listed on the main board
第十七届中国上市公司董事会 “ 金圆桌奖 ” 之公司治理特别贡献奖 《董事会》杂志
The 17th "Golden Roundtable Award" of Boards of Directors of Chinese Listed Directors and Boards magazine
中国银行业协会金融租赁专业委员会副主任单位 Companies - Award for Special Contribution to Corporate Governance
Deputy chair unit of the Financial Leasing Committee of the China Banking Association 中国外资租赁委员会
China Financial Leasing Ranking in 2022 - Company of the Year Association of Enterprises with Foreign Investment
中国上市公司协会理事单位 品牌
Council member of the China Association for Public Companies 奖项 Organizing Committee of China International Finance
Leading Leasing Company Award in 2022 Forum
中诚信国际信用评级有限责任公司 主体信用等级 AAA Brand 中国百强企业奖
第二十二届中国上市公司百强高峰论坛暨第八届中国
AAA credit company rated by China Chengxin International Credit Rating Co., Ltd. China Top 100 Enterprises Award
awards 百强城市全面发展论坛
The 22nd Summit Forum of Top 100 Listed Companies
中国百强高成长企业奖 in China and the 8th Comprehensive Development
Forum of Top 100 Cities in China
China Top 100 High-growth Enterprises Award
II 第一家进入银行间同业拆借市场
卓越竞争力普惠金融践行金融机构
Exceptional Financial Institution Implementing Inclusive Finance with Competitive
Excellence
中国经营报
China Business Journal
The first company to enter the interbank lending market Organizing Committee of the China International
Green Leasing Company of the Year Award in 2022
业务突破 Finance Forum
第一家获准吸收股东存款 2021 年度绿色金融先锋机构 TOP30
Business 业务 Top 30 Green Financial Pioneer Institutions of 2021
零壹财经 · 零壹智库
The first company to receive authorization for receiving shareholders’ deposits
breakthroughs 奖项 2022 产业高质量发展特别贡献奖 2022 中国城市产业发展论坛
Special Contribution Award for High-quality Industrial Development in 2022 2022 China Urban Industry Development Forum
第一家获准向商业银行转让应收融资租赁款
The first company to receive authorization for transferring financing lease receivables to Business 第四届中国网约出行产业峰会
暨网约车配套产业展览会
commercial banks awards Outstanding Financial Services for Online Ride-hailing Award in 2022
The 4th Summit of China’s Online Ride-hailing Service
Industry and the Expo of the Supporting Industries of
Online Ride-hailing Services
第一家使用租赁资产支持引入保险资金 2022 金融机构数字化转型先锋奖 中国零售金融智库
Pioneer Award for Digital Transformation in Financial Institutions in 2022 China Retail Finance Think Tank
The first company to use leased assets to support the introduction of insurance funds
中国交通投融资年度创新项目一等奖 中国公路学会
第一批获准发行金融债券 First Prize for Innovative Projects in China Transportation Investment and China Highway and Transportation Society
Financing
One of the first companies permitted to issue financial bonds
中国人民银行《金融电子化》杂志社
第十三届金融科技应用创新奖 Financial Computerizing Magazine of the People's Bank
第一批获准开展资产证券化业务 The 13th Financial Technology Application Innovation Award of China
科技
One of the first companies permitted to engage in asset securitization business 奖项 第三届中国零售金融发展峰会 “ 金融机构数字化转型先锋奖 ” 第三届中国零售金融发展峰会
The 3rd China Retail Finance Development Summit - Pioneer Financial Institution The Third China Retail Finance Development Summit
境内第一单国际气候债券标准认证的绿色债券 Award for Digital Transformation
Technology
The issuer of the first green bond in China, certified under the International Climate Bond Standard awards 2021 年度南京市网络安全等级保护和信息通报工作先进单位 南京市网络安全等级保护工作协调小组办公室
Advanced Unit for Network Security Level Protection and Information Reporting in Office of the Nanjing Network Security Level Protection
Work Coordination Group
Nanjing City in 2021
社会责任管理
Social responsibility
management
Social responsibility philosophy 02 利益相关方沟通
Communication with stakeholders
公司建立了与利益相关方常态化的沟通机制，通过多渠道、多形式的沟通活动，通过与利益相关
方的沟通，深入了解各方诉求、意见和建议，并根据各方关注重点选择企业社会履责的关键议题
和目标，构建和谐、稳定的利益相关方关系。
The Company has established a mechanism for regular communication with stakeholders. Through
various channels and formats, the Company engages with stakeholders to gain a deep understanding
of their needs, opinions, and suggestions. Based on the concerns of all parties involved, the Company
identifies key issues and objectives for corporate social responsibility, ultimately fostering a harmonious
and stable relationship with stakeholders.
主旨 做一家有温度的金融租赁公司
Mission To be a warm and caring financial leasing company
经济责任 坚守金融本源，服务实体经济，助力公司和社会经济可持续发展。
Economic Uphold the essence of finance, serve the real economy, and promote the sustainable
利益相关方 利益相关方的期望 公司回应方式
responsibilities development of companies and society. Stakeholder Stakeholder’s expectations Company’s response
规范公司治理 履行法定信息披露义务
Standardized corporate Governance Fulfill the statutory obligation of information disclosure
治理责任 完善法人治理结构，保障企业合规运营，实现高质量发展。
Governance Improve the corporate governance structure, ensure compliant operations, and achieve 稳定业绩增长 召开股东大会
Stabilize performance growth
responsibilities high-quality development. Hold general meetings of shareholders
投资回报 电话、邮件、网站等意见反馈平台
Return on investment Telephone, email, website and other feedback platforms
发展绿色租赁业务，推动环境友好型经济生态； 股东
环境责任
践行绿色办公理念，贯彻绿色发展理念。 Shareholders
Environmental 路演、现场调研
Develop green leasing business, promote environmentally-friendly economic ecology; Roadshow, on-site investigation
responsibilities
practice green office philosophy and implement green development concepts.
稳定经营与创新发展
Stable management and innovative development
关注股东、伙伴、客户、员工、社区的利益诉求，贡献企业力量，以人为本，和合共赢。
社会责任
Pay attention to the interests and demands of shareholders, partners, customers, 合理股东回报
Social Reasonable shareholder return
employees, and communities, contribute corporate strength, put people first and achieve
responsibilities
win-win results.
利益相关方 利益相关方的期望 公司回应方式 利益相关方 利益相关方的期望 公司回应方式
Stakeholder Stakeholder’s expectations Company’s response Stakeholder Stakeholder’s expectations Company’s response
合法合规经营 合规运营
Operate in a legal and compliant manner Operate in a compliant manner 保障员工权益 畅通职级体系的打造
Protect the rights and interests of employees Develop a well-designed rank system
依法纳税 税收贡献
Pay taxes according to law Pay taxes
提供职业培训 多种形式的员工培训
Provide vocational training Provide various forms of employee training
环境保护 服务中小微企业
Protect the environment Serve small and medium-sized enterprises 员工
Employees
个人发展与成长 丰富的员工活动
Facilitate personal development and growth Conduct diversified staff activities
服务实体经济 服务民生
Serve the real economy Serve people's livelihoods
政府及监管机构
Government and
regulatory agencies 提升工作幸福感
助力经济转型升级 服务三农 Improve the sense of happiness during work
Contribute to economic transformation and upgrading Serve agriculture, rural areas and rural people
金融风险防范 绿色金融
Prevent financial risk Conduct green finance business 提供就业机会 创造就业机会
Provide employment opportunities Create employment opportunities
服务新兴产业
Serve emerging industries
社区公益慈善 精准扶贫
Conduct community charity activities Make efforts for targeted poverty alleviation
强化合规风控 社区及公众
Strengthen compliance risk control Communities and the
public
实现低碳生活 慈善公益
Realize a low-carbon life Conduct charity and commonweal
activities
普惠金融 专业产品和服务
Conduct inclusive finance Provide professional products and services
诚信经营 产融合作 绿色发展
Contribute to green development
Operate in an honest manner Integrate industry and finance
提升服务体验 APP 开发
客户及伙伴 Improve service experience Develop APPs
Customers and partners
互利共赢、共同成长 减费让利
Bring mutual benefits and win-win results, and achieve Reduce charges and provide discounts
common growth
参与交流和共享会
Participate in exchange and sharing meetings
Key performance indicators
单位
经济责任 单位
Unit 2019 2020 2021 2022 员工责任
Employee responsibilities Unit 2019 2020 2021 2022
Economic responsibilities
员工总数 人
纳税总额 亿元
Total tax payment CNY 100
招聘应届生人数 人
现金分红 股/元
Cash dividends Shares/CNY
少数民族员工数 人
总资产 亿元
Total assets CNY 100 million
女性员工数 人
营业收入 亿元
Operating income CNY 100 million
社会保险覆盖率
利润总额 亿元
% 100 100 100 100
Total profit CNY 100 million
人均带薪休假天数 天
净利润 亿元
Net profit CNY 100 million
开展员工培训期数 期
Number of employee training sessions Session 256 243 320 396
单位
环境责任
Unit 2019 2020 2021 2022 员工培训覆盖率
Environmental responsibilities
Employee training coverage
% 100 100 100 100
绿色租赁资产余额 万元
Balance of leased green assets CNY 10,000 956,999 1,372,534 1,845,520 2,034,298 员工流失率 % 4 1 3 6
Employee turnover rate
清洁能源装机规模
Installed capacity of clean energy systems
GW 1.51 2.31 4.53 6.92
单位
社会责任
Social responsibilities Unit 2019 2020 2021 2022
生产清洁电力 亿度
Produced clean electricity 100,000,000 kWh 30 46 63 115
安全生产事故数 件
Number of workplace accidents / 0 0 0 0
减少标准煤消耗 万吨
Reduction of standard coal consumption 10,000 t 90 138 193 345
员工因工作受伤或死亡人数 人
Number of employees injured or killed at work Person 0 0 0 0
减少二氧化碳排放量 万吨
Reduction of carbon dioxide emissions 10,000 t 234 359 502 905.6
无偿献血量
Amount of voluntary blood donation
Cc 4500 10900 15200 21800
人均能源消耗费用 元
Per capita energy consumption CNY 2,564.23 1,913.48 2,011.47 1897.59
公益慈善总额 万元
Total amount of charitable donations CNY 10,000 135.08 117.33 83.38 122.2524
办公用品人均消费 元
Per capita consumption of office supplies CNY 1,041.58 757.73 497.39 366.82
党建引领
打造治理典范
Governance
I
坚持党的领导，发挥党委作用
Uphold Party leadership and give
full play to the role of the Party
Committee
Integrate Party building into governance
党建入章程
Party building is incorporated into the Company's Articles of Association.
“党的领导”写进《公司章程》，从企业最高纲领层面确定党的领导地位。
The "Party's leadership" is included in the Company’s Articles of Association, solidifying the Party's
leadership position at the highest level of corporate governance.
公司以习近平新时代中国特色社会主义思想为
指导，将坚持和加强党的全面领导贯穿企业发
展的全过程。
党委会规范议事
The Company abides by Xi Jinping's Thoughts
The Party Committee's decision-making process is standardized
on Socialism with Chinese Characteristics for a
New Era, committing to strengthen the Party's 建立“三重一大”议事决策机制，制定并落实党委前置研究讨论重大事项规程。报告期内，党委会
comprehensive leadership throughout all stages 审议及听取重大议题超 80 项。
of its development.
A decision-making mechanism for “decision-making on major issues, appointment and removal of
important cadres, arrangement of important projects, and use of large funds” is established, along with
the development and implementation of the procedures for the Party Committee’s early participation in
discussions about significant matters. During the reporting period, the Party Committee reviewed and
deliberated over 80 major issues.
“双向进入、交叉任职”领导体制
A "dual roles and cross-appointment" leadership system is implemented.
党委书记、董事长“一肩挑”，现有 5 名党委委员均为经理层成员，其中 3 名为执行董事。
Mr. Xiong Xiangen serves as Party Committee Secretary and Chairman concurrently. Five current Party
Committee members are members of the management team, including three executive directors.
党建工作责任制考核。将党建与党风廉政纳入公司管层及中层管理人员年度绩效考评中，并对党
建工作考核制订了标准化的评价依据。
The implementation of the responsibility system for Party building work is included in performance
evaluations. Party building and clean governance are incorporated into the annual performance
evaluations of the Company's management and middle-level managers, with standardized evaluation
criteria established for Party building work assessment.
II
学习党的精神，坚定理想信念
Study the guiding principles of the Party, 喜迎二十大 奋进新征程
and reinforce ideals and convictions
的二十大精神，广泛开展群众性宣传教育活动。报告期内，公司共召开
献礼二十大主题 MV 等，进一步统一思想、凝聚共识、坚定信心。
In 2022, the Company delved into studying and discussing Xi Jinping's
Thoughts on Socialism with Chinese Characteristics for a New Era and the
guiding principles of the 20th CPC National Congress, conducting extensive
public communication and educational activities. During the reporting period,
the Company organized 12 central group study sessions, 20 specialized study
sessions of the Party Committee, and 28 Party lecture study sessions; held
the 20th CPC National Congress"; and released the 20th CPC National
Congress-themed MV "Stars and Seas", to further unify thoughts, consolidate
consensus, and bolster confidence.
III 2022 年，公司党委保持全面从严治党的清醒
定力，持续推进清廉金融文化建设。
In 2022, the Party Committee of the Company
践行党的理论，以党建促经营 maintained a sober determination for full and
Practice the Party's theories and promote rigorous Party governance and continued to
business development through Party promote the development of a clean financial
culture.
building
深化“清风苏租”党风廉政和清廉金融品牌，线
上播放电子海报、教育视频，线下推出宣传展
为了更好的服务实体经济，公司以党建促经营发展。2022年，不断
板、廉洁倡议书；
拓宽党建联盟“朋友圈”，与江西电建、东软集团、普罗科、中国电科
The Company carried out the discipline and
三十六所、汇鸿中鼎、同力建等13家成员结对共建。丰富“特色联建”业
law education month campaign and effectively
务联动，成立“党员联合先锋队”，联办“云连线”等特色联建项目，联推
implemented series activities including the clean
业务项目，联克业务难题，解决零售业务时效、小微客户服务等业务难
finance WeChat class, the family style helping
点。发挥典型示范引领作用，积极选树业务条线、管理条线优秀党员、
integrity, and the zero holding to promote the
先进个人，发挥支部“头雁”、党员“先锋”作用。
integrity and self-discipline norms in mind and in
To better serve the real economy, the Company keeps driving business
action.
development with Party building. In 2022, the Company persistently
expanded its Party building alliance, partnering with 13 organizations such
as POWERCHINA Jiangxi Electric Power Construction Co., Ltd., Neusoft Group,
Brock, The 36Th Research Institute of China Electronics Technology Group
Corporation, High Hope Zhongding Corporation, and Tongli Construction
Group. The Company enhanced "distinctive joint construction" business
cooperation, establishing the "Party Member United Pioneer Team", and
working with its allies to organize special joint construction projects such as
"Cloud Connection" and promote business projects. All these efforts helped 开展纪法教育月活动，做实清廉金融微课堂、
surmount business challenges, and address problems in retail business 家风助廉、零持有系列活动，推进廉洁自律规
timeliness, small and micro enterprise services, etc. Additionally, the 范内化于心、外化于行。
Company gave full play to the exemplary role of the Party branches and Party The Company carried out the discipline and
members. It actively held up outstanding Party members and individuals law education month campaign and effectively
from business and management sectors as examples to demonstrate the implemented series activities including the clean
exemplary and pioneering role of Party branches and Party members. finance WeChat class, the family style helping
integrity, and the zero holding to promote the
integrity and self-discipline norms in mind and in
action.
Enhance governance continuously
I
[ 本土 + 国际 ] 的股东结构
[ Domestic + international ] shareholder structure
公司从 2007 年起启动混合所有制改革，先后 公司在吸收国内外股东公司治理经验和管理理
引进南京银行、国际金融公司、中信产业基金、 念的基础上，结合自身实际发展情况，不断提
法巴银行租赁集团等国内外一流投资人，组建 升公司治理能力和水平。
了国有控股、多种所有制资本混合的股东大会。 The Company continuously improves its
Since 2007, the Company has initiated the reform corporate governance capabilities and standards
公司充分发挥混合所有制的优势，构建“三会一层”的现代公司治理架构，形成了权责法定、权责 of mixed ownership, and successively introducing by incorporating its domestic and foreign
透明、协调运转、有效制衡的公司治理机制。2022年，公司被评为国务院国资委“国有企业公司 top domestic and foreign investors such as Bank shareholders’ corporate governance experience
治理示范企业”。 of Nanjing, International Finance Corporation, and management concepts, while also taking
The Company gave full play to the advantages of mixed ownership and built a modern corporate CITICPE and BNP Paribas Leasing Group, forming into account its specific development needs and
governance structure with “shareholders' meeting, the board of directors, the board of supervisors, and a shareholders' meeting with state-owned nature circumstances.
top management”, forming a corporate governance mechanism with legal and transparent authorities and mixed ownership of various types of capital.
and responsibilities, coordinated operation, and effective checks and balances. In 2022, the Company
was rated as a “Model Enterprise of Corporate Governance for State-owned Enterprises” by the State-
截至 2022 年底，股东结构
owned Assets Supervision and Administration Commission of the State Council..
其他社会公众股
Other public shares
江苏交通控股有限公司及其一致行动人
Jiangsu Communications Holdings Co., Ltd. and its
concerted action parties
江苏最大国资企业
Largest Jiangsu state-owned enterprise
股权激励（146 人）
首家实施股权激励的租赁公司
First leasing company that implements equity
incentives
Total share capital
BNP Paribas Lease Group
欧洲最大融资租赁集团
Europe's largest financial leasing group
南京银行股份有限公司
Bank of Nanjing Co., Ltd. 国际金融公司
首批主板上市城商行 International Finance Corporation
One of the first urban commercial banks listed 世界银行成员组织
on the main board Member organization of the World Bank
II III
董事会专业决策 监事会依法监督
Professional decision-making by the Board of Directors Law-based supervision by the Board of Supervisors
董事会构成多元、专业
董事会共有成员11名，董事专业背景涵盖财务会计、法律专业、金融投
监事会构成多元独立 股东监事 外部监事 职工监事
资、企业管理等领域，平均从业年限超过二十年。
Diverse and independent team
The Board of Directors comprises a group of diverse and highly experienced
professionals, totaling 11 members, The directors bring a wealth of expertise
截至2022年末，公司共有6名监事。 名 名 名
from various fields, such as finance and accounting, law, financial investment,
As of the end of 2022, the Company had a total of 6 supervisors.
and corporate management, and each director has an average work
experience of over 20 years.
多措并举发挥监督职责。召开监事会会议、出席股东大会、列席董事会
董事会共有成员 股东董事 执行董事 独立董事 及各专门委员会会议、实地调研重大项目、走访业务部门，切实行使监
督职权。
Multiple measures for fulfilling its supervisory duties. The Board of
名 名 名 名 Supervisors take a series of measures to effectively exercise its supervisory
powers. These measures include holding meetings of the Board of
Supervisors, attending shareholder meetings, participating in board and
董事会科学、有效决策
committee meetings, conducting on-site investigations of major projects,
董事会定期召开全体会议、工作会议，对重要议题进行决策研究；下设
and visiting business departments.
五大专业委员会，在董事会开会前研究专业性、技术性议题，提供专业
咨询意见。
The Board of Directors demonstrates scientific and effective decision-making
by convening regular general and working meetings to deliberate and
decide on crucial matters. Furthermore, it comprises five major professional
committees that conduct in-depth research on professional and technical
issues, and provide expert consultation to the Board prior to meetings.
重要议题
Important issues
战略规划
国企改革
高管聘任
再融资
关联交易
对外担保
利润分配
风险管理
内控合规
strategic planning
state-owned enterprise reform
senior executive appointment
refinancing
related party transactions
external guarantees
profit distribution
risk management
internal control and compliance
IV
市场化的选聘机制及考核管理
Market-oriented selection and recruitment mechanism and assessment management
公司已完成三期职业经理人改革，现9名管理层成员中已有6名职业经理人；
管理层高效执行 The Company has completed three phases of professional manager reforms, and now 6 out of 9
Efficient execution by the management team members of the management team are professional managers.
管理层全员实施任期制和契约化管理；
All members of the management team are subject to term limits and contractual management.
专业的高管团队
Professional senior executive team 董事会根据考核结果决定高管年度薪酬，实行薪酬递延支付机制（年度绩效薪酬的50%以上递延
至后三年发放）。
在公司平均工作年限超20年，从 均由公司内部选拔，队伍架构稳 多出身于业务部门，熟悉行业与 The Board of Directors determines the annual remuneration of senior executives based on performance
业经验丰富； 定； 市场，专业能力突出。 evaluations, and implements a deferred payment mechanism (over 50% of annual performance
With an average service duration of the team members are internally Most members come from business remuneration is deferred and paid out in the following three years).
over 20 years in the Company and a sourced, which has resulted in a departments, bringing with them a
wealth of industry knowledge. stable team structure. deep understanding of the industry
层级和边界清晰的授权机制
and market, as well as exceptional
An authorization mechanism with clear levels and boundaries
professional skills.
公司建立了层级和边界清晰的授权机制，董事会向董事长授权，董事长向总经理授权，总经理向
其他高管人员逐级授权。
The Company has established an authorization mechanism with clear levels and boundaries. The Board
熊先根 张义勤 朱 强 of Directors authorizes the Chairman, who in turn authorizes the General Manager, and the General
Xiong Xiangen Zhang Yiqin Zhu Qiang Manager then authorizes other senior executives in a hierarchical manner.
董事长 总经理 副总经理
Chairman of the Board of General Manager Deputy General Manager
Directors
完善的重大事项决策机制
A sound decision-making mechanism for major matters
管理层组建决策委员会和运营委员会，集中审议重大事项及其执行情况。
The management team has established a centralized decision-making and operational review structure,
张春彪 周柏青 郑寅生
comprising a decision-making committee and an operation committee, to oversee significant matters
Zhang Chunbiao Zhou Baiqing Zheng Yinsheng
and their execution.
副总经理、财务总监 副总经理、董事会秘书 市场总监
Deputy General Manager Deputy General Manager Marketing Director
and Chief Financial Officer and Secretary of the Board
of Directors 决策委员会 运营委员会
业务创新
产品定价
其它重大事项
战略规划
经营计划
财务预算
其它重大事项
innovation
major issues in business
product pricing
matters
Other major business
次 次
strategic planning
Business Plan
financial budgets
Other major matters
吴 云 江 勇 刘 明
Wu Yun Jiang Yong Liu Ming
审议议题 审议议题
风险总监 市场总监 市场总监
Risk Control Director Marketing Director Marketing Director
I
“转型 + 增长”双链驱动（2017-2021）战略成果
Achievements of the "Transformation + Growth" dual-chain
driven (2017-2021) development strategy
战略把舵定向 Three major transformations
Identify strategic directions
从“增长+转型”到“零售+科技”，公司战略转型进入新篇章。
业务结构从增长业务独大转变为转型和增长双核驱动。转型业务占比超
The Company's strategic transformation has progressed from “Growth + Transformation"
越增长业务，上升为发展主动力。
to “Retail + Technology", marking the start of a new chapter.
发展动能大转换 The business structure has shifted from being dominated by growth
Major shift in driving force of businesses to being driven by both transformation and growth. The
development proportion of transformational businesses has surpassed that of growth
businesses, becoming the main driving force of development.
专业化差异化发展提速升级，行业开发能力、渠道布局能力、科技融合
能力、资金保障能力、风险防控能力、人才支撑能力大幅提升。
The pace of specialized and differentiated development has accelerated, and
Significant improvement in
“ 转型 + 增长 ” 双链驱动发展战略 “ 零售 + 科技 ” 双领先战略 capabilities in industry development, channel layout, technology integration,
professional capabilities
“Transformation + Growth" “Retail + Technology" capital security, risk prevention and control, and talent support have
dual-chain driven development strategy dual-leading strategy significantly improved.
持续深化国企体制机制改革，历史性登录 A 股市场，深入实施任期制与
展战略（2017-2021），重点发展以设备为载 略（2022-2026）正式开启，立足租赁融物 机制改革大突破 The Company has continuously deepened the reform of the state-owned
体的租赁业务，加快发展直接租赁、厂商租赁。 属性和零售特色，进一步拓宽市场。 Major breakthroughs in enterprise system and mechanisms, becoming the first and only financial
I n 2 0 1 7, t h e C o m p a n y p r o p o s e d t h e In 2022, the Company embarked on a new phase mechanism reform leasing company listed on the A-share market in China. It has implemented
“Transformation + Growth" dual-chain driven of its “Retail + Technology" dual-leading strategy various reform measures, such as the term system and contractual
development strategy (2017-2021), focusing on (2022-2026), utilizing its strengths in “Financing + management, professional managers, restricted stock incentives, and
the development of equipment-based leasing Asset leasing" and integrating retail features to market-oriented job performance and remuneration evaluations.
business and accelerating the development of expand its market reach.
direct leasing and manufacturer leasing.
Ten major achievements II
经营业绩实现翻番，盈利能力业内领先。 “零售 + 科技”双领先（2022-2026）战略规划
profitability.
"Retail + Technology" dual-leading (2022-2026) strategic plan
传承战略经验：“四个坚持”
转型业务迅速增长，零售特色日益显著。 Continuously benefit from the strategic experience: adherence to "Four Principles"
行业布局更加多元，细分市场优势增强。 坚持零售金融、融物属性 坚持厂商与区域双线并进
been strengthened.
Adherence to the attribute of retail
finance and asset leasing
Adherence to parallel progress of
manufacturers and areas
厂商区域双线并进，业务渠道巩固拓宽。 “做银行不能做的”和“银行不愿 大力开发厂商租赁模式，借助厂商
supplier resources.
做的”，聚焦小微客群、聚焦设
备租赁。
的销售网点抵达终端客户；建立直
销网点，在经济发达、小微企业集
Focus on small and micro customers 聚的区域建立属地团队。
and equipment leasing that are not Leverage manufacturer leasing
融资规模成倍扩大，融资工具丰富创新。
typically serviced or provided by banks. mode and sales networks to serve
end-customers. Establish direct
sales outlets and local teams in
economically developed and SME-
信息科技与时俱进，深度融合业务发展。
concentrated areas.
it with business development.
风险管理质效提升，风险抵御能力增强。
坚持布局多元市场、做强细分市场 坚持信息科技与业务融合
to resist risks has been enhanced.
Adherence to laying out diversified Adherence to IT and business
markets and strengthening niche integration
markets
人才队伍规模壮大，人事机制不断完善。
发力；同时在某些细分市场集中配置 赋能作用，创造新的需求和模式。
资源，力求形成领军优势。 Ta ke a d v a n t a g e o f i n f o r m a t i o n
奋力打开国际市场，资产负债双向突破。 Explore opportunities to enter diverse technology to empower business and
assets and decrease in liabilities.
markets and establish a presence in management, creating new demands
various equipment sub-markets. Focus and models.
resources on specific sub-markets to
develop a competitive edge.
首发上市创造历史，综合实力再上台阶。
战略目标 实现一个目标。成为国际领先的设备租赁服务商。树立和巩固公司国际一流、融物特色、综合
Strategic goal 性服务的市场形象。
Achieving one Goal. To become a globally leading provider of equipment leasing services, and to establish
and consolidate our market image as a world-class integrated service provider with a focus on financing
through asset leasing.
风控护航发展
Implement risk controls for development
战略方向 实现两个领先。即“零售领先”和“科技领先”。建立百万量级客户、千万量级租赁物的业务资源
Strategic direction 库，以便捷、智慧的金融科技提升服务和运营能力，让公司成为合作伙伴和客户的优先选择。
Attain dual leadership in the realms of retail and technology. We need to establish a vast business
resource library comprising millions of customers and tens of millions of assets for leasing, leverage
convenient and intelligent financial technology to augment our service and operational capabilities,
thereby positioning us as the preferred choice for partners and customers.
I
全面风险管理
Comprehensive risk management
战略路径 拓展三大路径。即“厂商路径”“区域路径”和“线上路径”。建立触达客户、强化粘性的稳定可持
Strategic paths 续渠道，维护核心客户资源，扩大群体覆盖面。
Expand three major paths, namely "manufacturer path”, "regional path", and "online path”. Establish
公司围绕企业战略及经营目标，对业务发展和管理活动中各类风险进行识别评估、动态预警、及
stable and sustainable channels to reach customers and strengthen customer stickiness, maintain core
时应对及全程管控，建立了完善的全面风险管理体系。
customer resources, and expand group coverage.
Focusing on corporate strategy and business goals, the Company identifies, assesses, gives dynamic
early warnings, responds, and controls risks in business development and management activities,
establishing a sound comprehensive risk management system.
战略保障 提升四个能力。即“人才支撑能力”“资金保障能力”“资产管理能力”“内控合规能力”，一体谋划
Strategic support 人、财、物、规等资源配置和能力协同。
Enhance four capabilities, namely "talent support", "capital security", "asset management" and "internal
control and compliance", and integrate the planning of human resources, financial resources, materials,
compliance and capacity coordination.
战略资源 用好五种资源。即“国际市场”“资本市场”“改革政策”“创新机制”“专业资源”，永葆开放和创新
Strategic resources 的姿态，引资引智引机制，不断注入新的活力。
Optimize the utilization of five kinds of resources, namely "international market", "capital market", "reform
policies", "innovation mechanisms", and "professional resources", maintain an open and innovative
attitude, introduce investment, talents and mechanisms to continuously inject new vitality into the
Company.
Comprehensive risk management system
Digital risk control system
加强智能化风控水平，提升风险管控质效，公司加快信息系统建设，为全面风险管理提供必要支撑。
To strengthen intelligent risk control and improve risk control quality and efficiency, the Company
基本原则 accelerates the construction of information systems to provide necessary support for comprehensive
Basic principles 匹配性 全覆盖 独立性 有效性 risk management.
Matching full coverage independence effectiveness
全面风险管理系统 2.0：支持实现风险监测自动化
Comprehensive Risk Management System 2.0: Automatic risk monitoring is supported
自动查询与报送客户征信数据，接入公安、司法等外部信用数据
征信系统 It automatically retrieves and submits customer credit data, and
Credit system integrates external credit data from public security, judiciary, and other
sources
纲领性文件
Programmatic documents
风险政策与偏好
大数据平台 为风险管理提供数据支撑
Risk policy and
preference Big data platform It provide data support for risk management
核心层
Core layer
治理架构 管理制度 流程授权
Governance Management Process 为经营层直观展示经营、风险状况
工具层 architecture systems authorization 管理者驾驶舱
Tool layer It displays intuitive business and risk information for the management
Manager cockpit
风险监测与报告 team
执行层 Risk monitoring and reporting
Executive layer
战略风险 信用风险 流动性风险 市场风险
Strategic Risk Credit Risk Liquidity Risk Market Risk
租赁物远程监控集成平台，不断提高租赁物管理的精细化和科技
操作风险 合规风险 声誉风险 信息科技风险
基础层 化水平。已实现关于17个细分行业超十万台租赁物监控数据。
Operational Risk Compliance Risk Operational Risk Information Technology Risk
Basic layer 智管万物 The integrated platform for remote monitoring of leased items is
信息系统支持 Smart IoT Manager continuously improving the precision and technological level of leased
Information system support item management. The platform has already achieved the monitoring
of data from over 100,000 leased items in 17 different industries.
员工与企业文化
Employees and corporate culture
II 1 健全的组织体系
Sound Organizational System
内控合规管理
Internal control and compliance management
董事会 党委会
Board of Directors Party Committee
管理原则
Management
principles 监事会 风险管理委员会
Board of Supervisors Risk Management Committee
全覆盖
Full Coverage
高级管理层
制衡性
Senior management team
Balance
审慎性
管理目标 纪律检查委员会
Prudence
Management 内部控制与合规管理负责人 Commission for
相匹配
objectives Person in charge of internal control and Discipline Inspection
Matching
compliance management
保证国家有关法律法规 保证公司发展战略
及内部规章的贯彻执行 和经营目标的实现
Ensure the implementation of Realize the Company's
relevant national laws, regulations, development strategies and
and internal rules and regulations operational objectives
管理体系 业务部门 其他职能部门 风险管理部门 法律事务部门 内部审计部门 纪检监察部门
管理思路
Management Business Other functional Risk Management Legal Affairs Internal Audit Discipline
Management systems department departments Department Department Department Inspection and
approaches 保证公司风险管理的有效性 保证业务和经营管理信息的真实、
Supervision
Ensure the effectiveness of the 准确、完整和及时
Department
Company's risk management Ensure the authenticity, accuracy,
completeness, and timeliness of business
and operational management information 第一道防线 第二道防线 第三道防线
First line Second line Third line
of defense of defense of defense
内控强基础 操作管过程 合规守底线
Internal control process management compliance
组织体系 制度体系 监测体系 全体员工
Organizational System Institutional System Monitoring System All employees
Multi-level, full-coverage institutional systems
Comprehensive monitoring system
监测要点
全面覆盖 持续优化 闭环贯通 monitoring points
Full coverage continuous optimization closed-loop management
项
第一层级
First level 尽职调查 项目评审 合同管理
Due diligence Project review Contract management
investigation
《内部规章制度汇编》，12 大类 200 余项制度；
业务类
The Collection of Internal Rules and Regulations
Business
includes over 200 regulations in 12 categories;
付款投放 租后管理 ……
Payment disbursement Post-lease
management
第二层级 公司治理 信息披露 财会税务
Second level Corporate governance Information disclosure Accounting and tax
affairs
内部控制手册
Internal Control Manual
金融同业 行政办公 内部审计
Business related to Administrative work Internal audit
financial institutions
非业务类
Non-business
风险管理 信息科技 人力资源
第三层级
Risk management Information technology Human resources
Third level
各部门制度 实施细则 管理办法
Departmental rules implementation guidelines management measures
数据治理 外包管理 ……
Data governance Outsourcing
management
绿色领航 共赢低碳未来
Environment
Improve green management
绿色金融治理体系
纲领 核心 执行 细分领域 支持
Guiding principlev Core Implementation Sectors Support
绿色发展战略规划
风险名单管理，进一步提升绿色租赁专业化能力。
Green development 治理架构 风力发电、光伏、储能、
In 2022, the Company prioritized the enhancement of its organizational structure and system for 生物质发电
strategic planning Governance
green finance, refining pertinent management regulations, fortifying environmental and social risk list Wind power, PV, energy
structure
management, and augmenting professional competencies in green leasing. storage, biomass powe
绿色政策
Green policies
客户与项目管理
Customer
and project
绩效考核 management
Performance
evaluation 新能源乘用车、商用车、 信息系统支持
专用车、充电桩 Information system
Passenger NEVs, commercial support
NEVs, special-purpose NEVs,
charging piles
垃圾发电、污水处理、制造业设备升级
Garbage power, sewage treatment,
equipment upgrades for manufacturing
绿色发展理念与文化
Green development
philosophy
and culture
I II
治理结构 政策体系
Governance structure Policy system
为落实好战略规划中关于促进绿色发展的的要求，公司不断完善相关政策报告期内更新了《绿色
租赁管理办法》。
To implement the requirements in strategic plans that are related to the promotion of green
development, the Company has continuously improved relevant policies. During the reporting period, it
updated the “Green Leasing Management Measures”.
董事会负责审批包含绿色租赁发展规划的公司战略，定期审批管理层提交的绿色租赁工作
报告，监督、评估相关战略目标执行情况。
决策层
Decision-
The Board of Directors is responsible for approving the Company's strategic development
plans, including green leasing development plans, and regularly reviewing and approving green
Strengthen support for green industries
making layer leasing work reports submitted by the management team, and supervising and evaluating the
implementation of relevant strategic objectives.
公司政策明确了绿色金融的重点支持方向，并
优化光伏、风力发电、节能环保、设备升级等
领域的资金投放政策，向绿色低碳的行业和企
业倾斜资金资源
The Company's policies elucidate the principal
avenues of support for green finance and
将绿色租赁发展嵌入公司战略进行规划，制定绿色租赁政策、制度，建立健全相关内
管理层 部机制。
refine the guidelines for capital infusion in
domains encompassing PV, wind power, energy
Management The management team is responsible for incorporating green leasing development into the
conservation, environmental protection, and
layer Company's strategies for planning, developing green leasing policies and regulations, and
equipment upgrades. The allocation of funds is
establishing and improving relevant internal mechanisms.
oriented towards industries and enterprises that
prioritize sustainability and low carbon emissions.
相关职能部门负责具体执行绿色租赁政策的相关要求，包括调查评估客户环境与社会风
险，持续跟踪客户环境与社会风险变化情况，跟踪绿色租赁项目资金用途，开展绿色租赁
业务数据质量抽查等工作等。
执行层
Relevant functional departments are responsible for implementing requirements of green
Execution leasing policies, including investigating and assessing customers’ environmental and social risks,
layer continuously tracking changes in customers’ environmental and social risks, tracking the use of
funds for green leasing projects, and conducting quality checks on green leasing business data.
Strictly control the capital investments in industries with high environmental risks 3 考核机制
Evaluation mechanism
公司对照监管部门下发的环境、安全生产及职业病防控违法违规企业名单，及时调整内部高环境 2022 年，公司加强关于环境和社会风险的考核，将限制类行业业务规模上升情况、违规向重大
与社会风险客户名单。通过系统控制在项目申报阶段对企业进行自动识别和准入控制，实现对高 环境社会风险客户投放业务情况作为扣分项纳入绿色租赁考核指标，按年度开展检查与考核，强
风险客户的准入限制。 化环境、社会风险客户管理。
The Company conducts a comparative analysis of the list of enterprises identified by regulatory authorities as In 2022, the Company strengthened the evaluations of environmental and social risks by adding penalty
engaging in illegal and irregular practices related to environmental protection, occupational safety and health, items to green leasing evaluations, such as expansion of business scale in restricted industries and
and disease prevention and control, and promptly adjusts its list of customers with high environmental and provision of services to customers with significant environmental and social risks in violation of
social risks. Automated identification and access control of enterprises during project application phase can regulations. The Company conducts annual inspections and assessments to reinforce its management
be achieved through system control, which enables access restriction for high-risk customers. of customers with environmental and social risks.
客户环境和社会风险尽职调查要点
Does the industry have high energy consumption, high pollution emissions, and
excessive production capacity? □否／ No
Does the enterprise have any backward production capacity that has not been
phased out? □否／ No
Are there any significant breaches of environmental protection laws and
regulations by the enterprise that have not been rectified? □否／ No
Are there any significant breaches of safety production laws and regulations
by the enterprise that have not been rectified? □否／ No
Are there any occupational disease prevention and control measures of the
enterprise that are not up to standard and have not been rectified? □否／ No
Main pollutants produced in the production process:
□废水／ Wastewater □废气／ Waste gas □噪声／ Noise
□固体污染物／ Solid pollutants □其他（请在备注说明）／ Other (please specify)
□不涉及／ None
I
发力清洁能源领域，助力能源结构优化
Focus on the development of clean energy to help optimize the energy
structure
风电、光伏发电站 工商业分布式光伏
wind power, PV power stations distributed PV systems for commercial
and industrial applications
户用光伏 储能及多能互补
energy storage multi-energy complementation
推进绿色租赁 相当于每年节约标准煤消耗约 345 万吨、减排二氧化碳约 897 万吨。
In 2022, the Company increased 6.92GW of installed capacity in the clean energy sector, and relevant
projects can generate 11.5 billion kWh of clean electricity annually, which is equivalent to saving about 3.45
Promote green leasing million tons of standard coal and reducing carbon dioxide emissions by about 8.97 million tons annually.
公司将绿色租赁作为重要的战略方向，聚焦清洁能源、绿色交通、节能环保等绿色产业领域，持
续深化业务布局，不断提升对相关领域的支持力度。2022 年，公司绿色租赁项目投放近 200 亿元。 新增装机容量 发出清洁电力 节约标准煤消耗约 减排二氧化碳
The Company views green leasing as a critical strategic direction and focuses on developing green
industries such as clean energy, green transportation, and energy conservation and environmental
protection. It is continuously expanding its business operations and increasing support for related
industries. In 2022, the Company invested nearly CNY 20 billion in green leasing projects. GW 亿度 万吨 万吨
II
案例
Successful
case 风力发电站
Wind power station
深耕新能源汽车产业，助力交通运输减排
Dive deep into the new energy vehicle industry to help
风力发电是资金密集型行业，具有“一次性投入，持久产出”的特点，前
期动辄数亿的投入，让许多民营企业望而生畏。A 公司作为一家传统的
reduce emissions in transportation and logistics
民营风电开发单位，面临同样的经营难题。江苏金租在获悉该项目情况
后，匹配项目建设进展，为其量身定制了分批投放的融资方案。项目建
成后，装机容量共计 90MW，每年可实现年上网电量 2.2 亿度，每年可
减少二氧化碳排放 21 万吨。
Wind power generation is a capital-intensive industry that requires large
initial investments and produces long-lasting results. The high cost, which
can easily reach hundreds of millions of CNY, often deters many private
companies from investing. As a traditional private wind power developer,
A Company faced similar operational challenges. Upon learning about A
Company’s project, JFL created a financing plan tailored to the project
construction progress. Upon completion, the project has a total installed
capacity of 90MW, with an annual power generation capacity of 220 million
kWh and can reduce carbon dioxide emissions by 210,000 tons annually.
新能源乘用车及其换电站 新能源商用车 新能源专用车
passenger NEVs, commercial 电动重卡、甲醇重卡 环卫车
NEVs and their charging commercial NEVs special purpose NEVs
stations (electric heavy-duty trucks, (sanitation vehicles)
案例 methanol heavy-duty trucks)
Successful
case 农光互补
Agri-PV solutions
L 公司开发的黑龙江 100MW 农光互补发电项目，于 2021 年底完成全
容量并网发电，项目占地约 5000 亩地，年均上网电量为 1.55 亿度电。
该项目运营支出较高，为了缓解企业现金流状况，江苏金租根据项目发
电情况，针对性定制了 4 亿元的回租方案，融资期限 13 年，有效支持
该农光互补项目正常运营。
L Company developed a 100MW Agri-PV power generation project in
Heilongjiang, and realized grid-connected power generation at full capacity
at the end of 2021. The project covers an area of about 5,000 mu and has
an average annual on-grid electricity of 155 million kWh. The operating
expenses of the project are high. In order to address the cash flow challenge
of the enterprise, JFL customized a leaseback plan of CNY 400 million with
a financing period of 13 years according to the project's power generation
situation, effectively supporting the normal operation of the Agri-PV project.
车辆44740辆，可节约燃油4026.6万升，可减排二氧化碳8.6万吨。
New energy buses
In 2022, the Company invested approximately CNY 6.5 billion in NEV projects,
and deployed 44,740 NEVs, which can save 40.266 million liters of fuel and
reduce carbon dioxide emissions by 86,000 tons.
案例 T市公交公司原有16辆已运营近十年的燃油公交车，部分车辆因接近报
换电重卡 新能源专用车
Successful 废无法正常使用。江苏金租协同头部公交客车厂商，主动接洽该公司，
case 为其提供一站式新能源公交采购、充电配套设施建设服务。江苏金租帮
助该公司采购了27辆纯电动客车、8台配套充电桩、1套箱变等电力设
新能源汽车领域投放 投放新能源车辆 节约燃油 减排二氧化碳 备。此次融资服务不仅提升了当地公共服务品质，也为当地民众绿色出
行保驾护航。
T Bus Company originally had 16 gasoline-powered buses that had been in
operation for nearly a decade, and some of which were approaching their
亿元 辆 万升 万吨
scrap limit and could not be used normally. JFL contacted the company and
provided a one-stop service of new energy bus procurement and charging
facility construction in cooperation with leading bus manufacturers. JFL
helped the company purchase 27 pure electric buses, 8 charging piles,
and 1 containerized transformer substation. This financing service not only
improves the quality of local public services but also promotes green travel
for local residents.
新能源乘用车
Passenger NEVs
新能源商用车
Commercial NEVs
案例 南京一知名网约车公司，自2018年起与江苏金租建立了紧密的合作关
Successful 系，其为网约车司机提供比亚迪、长安、东风、吉利等多种新能源品牌
case 运营车辆。2022年江苏金租的融资服务占该公司新能源网约车采购份 案例 遵义Y运输公司主营业务为水泥运输工作，其已有车辆临近使用年限。
额超70%，超600名网约车司机通过江苏金租“两证一卡”（身份证、驾 Successful 江苏金租通过新能源重卡厂商接洽到该客户，根据客户作业场景、运输
驶证、银行卡）零售金融产品，以低首付2-3年期的产品购置新能源网 case 距离、业务量等，对其运营成本与收益做了翔实的分析与比对，帮助客
约车进行运营。江苏金租的网约车金融产品不仅为司机提供了便捷、贴 户确定了6台充电重卡的采购方案。充电重卡入场后，节约了Y公司的运
心的购车体验，也为新能源车辆普及和环境保护做出贡献。 营成本和保养费用，也大幅降低了作业厂区的汽车尾气排放。
A well-known ride-hailing company in Nanjing has established a close [Example] Y Transportation Company specializes in cement transportation
partnership with JFL since 2018, providing ride-hailing drivers with NEVs of and its vehicles have reached their service limits. JFL contacted the
various brands, such as BYD, Changan, Dongfeng, and Geely. In 2022, over 70% customer through a new energy heavy truck manufacturer, and based
of the company's new energy ride-hailing vehicle purchases are financed on the customer's operating scenarios, transportation distance, and
by JFL, with more than 600 ride-hailing drivers purchasing NEVs through business volume, provided detailed analysis and comparison of operating
JFL's retail finance product, "Two Licenses and One Card" (ID card, driver's costs and benefits to help the customer determine the purchase plan
license, and bank card). This product offers low down payments and 2-3 for 6 rechargeable heavy-duty trucks. After the new trucks were put
year financing terms. JFL's ride-hailing finance products not only provide into operation, Y Transportation Company cut its operating costs and
a convenient and user-friendly purchasing experience for drivers but also maintenance fees, and significantly reduced vehicle emissions in the
contribute to the promotion of NEVs and environmental protection. operating areas.
新能源专用车
Special-purpose NEVs III
服务其他绿色产业领域
案例 上海D环保科技企业，于2022年中标了上海某公司新能源环卫车租赁服 Provide services to other green industries
Successful 务项目。江苏金租匹配该企业采购环卫车辆需求，与两家头部环卫车辆
case 厂商积极联系，提供了定制化金融方案。江苏金租帮助D公司批量采购
公司在新能源工程机械、节能环保等领域也加大服务力度，为客户提供 新能源工程机械、节能
了5辆电动清洗车、6辆电动扫路机、18辆电动垃圾车，极大缓解了该企
优质的融资租赁服务。全年投放超 20 亿元 环保等领域全年投放
业的资金压力.相关车辆顺利通过验收后迅速投入环卫作业。
The Company is also increasing its service efforts in areas such as new
In 2022, D Environmental Protection Technology Company, won the bid
energy construction machinery, energy conservation and environmental
for a Shanghai company’s new energy sanitation vehicle leasing service
protection, and providing high-quality financial leasing services to customers.
project. JFL matched the enterprise's demand for sanitation vehicles and
It invested over CNY 2 billion throughout the year. 万元
actively contacted two leading sanitation vehicle manufacturers to provide
customized financing solutions. JFL helped the company purchase 5 electric
cleaning vehicles, 6 electric sweepers, and 18 electric garbage trucks, greatly
新能源工程机械 节能环保业务
easing the enterprise's financial pressure. After the relevant vehicles passed
New energy Energy conservation
inspection, they were quickly put into sanitation operations. construction and environmental
machinery protection
新能源装载机、矿卡。 垃圾发电、污水处理。
new energy loaders, garbage power, sewage
mining trucks. treatment.
案例
Successful
充电桩 case
J 科技有限公司是一家专业从事余热余能发电、脱硫脱硝、除尘、污水
Charging piles
处理的公司。2023 年初，J 公司向公司融资 2.83 亿元用于其工业废气
脱硫脱硝项目，该项目 2 号、3 号烧结机机头烟气各自经一套“双室四
电场静电除尘器（利旧）+CFB 循环流化床半干法脱硝 + 覆膜袋式除尘
案例 武汉F机电科技企业以其名下充电站内的充电桩、变电站等电力设备为 器 +GGH+SCR 中温脱硝反应器”设施处理后再外排，确保废气排放严
Successful 租赁物向江苏金租申请售后回租，融资金额210万。回租的资金用途用 格执行《钢铁工业大气污染物超低排放标准》（DB13/2169-2018）相
case 于支付其购买设备及电力项目施工尾款，租金分36期支付至江苏金租， 关要求。
盘活了该公司的固定资产，缓解了资金压力。 J Technology Co., Ltd. is a company specializing in power generation with
F Electrical and Mechanical Technology Company applied to JFL for an after- waste heat and energy, desulfurization and denitrification, dust removal,
sale leaseback of its charging piles, transformer substations and other and sewage treatment. In early 2023, the company obtained CNY 283 million
power equipment in its charging station, with a financing amount of CNY 2.1 in financing from JFL for its project of desulfurization and denitrification of
million. The funds from the leaseback were used to pay the final installment industrial waste gas. The fuel gas from No. 2 and No. 3 sintering machines
for the equipment purchased and the construction of the power project. The of the project are equipped with a set of "dual-chamber four-electric field
rent is paid to JFL in 36 installments, which helps unlock the company's fixed electrostatic precipitator (refurbished) + CFB circulating fluidized bed
assets and alleviate its financial pressure. semi-dry flue gas desulfurization + coated bag filter + GGH + SCR medium-
temperature denitrification reactor” respectively for treatment before being
discharged to ensure that the waste gas emissions strictly comply with the
relevant requirements of the "Ultra-low Emission Standards for Atmospheric
Pollutants of the Iron and Steel Industry" (DB13/2169-2018).
垃圾发电 污水处理
Garbage power Sewage treatment
案例 W 环保科技有限公司为 S 市生活垃圾焚烧发电项目的投资运营主体，处理垃圾范围包括市域及周 案例 K 公司为江苏地区知名环保企业，具备污水处理设备供应和工程总包能力。江苏金租为 K 公司位
Successful 边县城，服务人口约 135 万。W 公司在扩产时遇到资金缺口，公司获悉后及时为其提供 3 亿元设 Successful 于河北省某市工业园区的污水处理项目提供融资租赁服务，项目建成后，每年能够处理工业园区
case 备融资款，助力其开展新的节能环保项目。新项目主要是用生活垃圾焚烧的热量发电，所发电力 case 产生的 300 万吨污水。灵活便捷的融资服务助力项目快速建成投产，助力当地绿色发展。
除厂用电外，剩余电力送入国家电网，同时对垃圾燃尽后剩余的炉渣进行综合利用。 K Company is a well-known environmental protection enterprise in Jiangsu Province, with the ability
W Environmental Protection Technology Co., Ltd. is the investment and operation entity of the municipal to supply sewage treatment equipment and undertake engineering projects. JFL provided financing
solid waste power generation project in S City. The scope of waste disposal includes the city and the and leasing services for K Company's sewage treatment project in an industrial park in a city in Hebei
surrounding counties, serving a population of approximately 1.35 million. The company encountered Province. After the project is completed, it will be able to treat 3 million tons of sewage generated by the
a funding gap when expanding its production. Upon learning of this, JFL promptly provided a CNY 300 industrial park each year. The flexible and convenient financing service helped the project to be quickly
million equipment financing loan to help the company carry out new energy-saving and environmental constructed and put into operation, and promoted local green development.
protection projects. The new project mainly uses the heat generated from incinerating municipal solid
waste to generate electricity, with the excess electricity sent to the national grid and the slag from the
burnt waste being comprehensively utilized.
I
发行规模
Issuance scale
多元化绿色融资渠道
Diversified green financing channels
绿色债券 资产证券化 银团贷款
green bonds asset securitization syndicated loans
截至 2022 年末，累计发行 2 期 20 亿元绿色金融债券，债券评级均为 AAA 级；发行 19.20 亿元
绿色租赁资产支持证券；落地 6.4 亿元绿色银团贷款。
By the end of 2022, JFL had issued two tranches of green financial bonds totaling CNY 2 billion, both rated
拓展绿色融资
AAA. The Company also issued green leasing asset-backed securities of CNY 1.92 billion and granted
green syndicated loans of CNY 640 million.
Expand green financing
发行绿色金融债券 债券评级均为
万元
AAA
级
发行绿色租赁资产支持证券 落地绿色银团贷款
万元
万元
“首单”突破及行业领先
A pioneer and leader in the industry
Advocate green concepts
国外双绿色认证的金融债券。
In 2019, JFL issued CNY 1 billion of green financial bonds, which
are the industry's first financial bonds to receive dual green
certifications both domestically and internationally.
券化产品。
In 2019, JFL issued CNY 1.92 billion of green ABS, which are the
first green asset securitization product in the industry.
具备行业领先地位。
I
In 2020, JFL partnered with IFC to grant international green
syndicated loans of CNY 640 million, establishing its leading
绿色运营
position in the industry. Green operation
审核，确认符合绿色债券投放范围后进行资金投放。资金投放后，公司严格按照监管要求对存续
期绿色债券募集资金使用进行监督核查，确保资金被用于支持绿色发展
The Company strictly adheres to the Catalogue of Supported Green Bond Projects when selecting green
投向管理 公司主要能源消耗主要来自于日常运营，包括办公活动消耗的水电、天
leasing projects. After a preliminary screening, projects are reviewed by a professional third-party green
Investment rating agency to ensure their compliance with the scope of green bond investments before funds are
然气、汽油、纸张等资源。2022 年，公司持续大力推进节能减排工作，
management invested. Once the funds are invested, the Company closely monitors and verifies the use of the funds
采取多项节能降碳措施，积极推行绿色办公，努力减少运营活动产生的
碳排放。
raised through green bond issuances during the duration of the bonds, in accordance with regulatory
requirements, to ensure that the funds are indeed being used to support green development. The Company's main energy consumption comes from daily operations,
including water, electricity, natural gas, gasoline, paper and other resources
consumed by office activities. In 2022, the Company continued to prioritize
energy conservation and emission reduction by implementing a variety of
measures to reduce carbon emissions. These included promoting green
III 公司建立了专项台账，用于记录所投绿色租赁项目的初始投放、后续资金回笼及项目再投放情况。
募集资金闲置期间，公司通过投资具有良好信用等级和市场流动性的货币市场工具或者以银行存 office practices, adopting energy-efficient technologies, and reducing carbon
emissions from daily operational activities.
款形式管理闲置资金。
The Company has established a special ledger to record the initial investments, subsequent fund inflow
资金管理
and reinvestments of green leasing projects. During the idle period of raised funds, the Company invests
Fund in money market instruments with good credit ratings and market liquidity or manages idle funds in the
management form of bank deposits.
Energy conservation management 使用区域能源集中供给方案，每年较普通中央空调减少二氧化碳排放约
Centralized energy supply in specific regions reducing carbon dioxide
设置智能灯控和自动断电设备，“人来即亮，人走即灭”；22点自动断电。每
空调 emissions by about 8000 tons per year compared to those of ordinary
年约节约电力2100度，减少二氧化碳量2094KG。
Air conditioners central air conditioners.
The installation of intelligent light controls and automatic power-off devices enables lights to
会议室
turn on when people enter a room and turn off when people leave, with an automatic power-
Meeting rooms off at 22:00. This initiative saves approximately 2,100 kWh of electricity each year and reduces
carbon dioxide emissions by 2,094 kg.
推广无纸化办公，在董事会、监事会、党委会等重要会议中，推广会议
资料电子化；减少会务茶水一次性纸杯、抽纸等各类资源消耗；鼓励双
面打印，抵制纸张浪费；智能化控制打印设备，预警异常打印情况。
纸张 The Company promotes paperless office practices by digitizing meeting
Paper materials for important events such as meetings of the Board of Directors,
采用高效节能电机，通过群控、分时段控制等手段节能。
the Board of Supervisors and the Party Committee. Additionally, the Company
High-efficiency and energy-saving motors are used, and group control and time-
reduces the consumption of disposable resources such as paper cups and
电梯 based controls are implemented to for energy conservation.
tissues at meetings and encourages double-sided printing while resisting
Elevators paper waste. The Company also implements intelligent controls on printing
equipment to monitor and prevent excessive or abnormal printing.
强调“光盘行动”，杜绝浪费粮食；在员工餐厅引入分布式餐厨垃圾真空收集
和处理系统，促进厨余垃圾资源循环利用。
使用感应式水龙头及节水型马桶，提升水利用效率；在办公区设置共享
The Company places great emphasis on reducing food waste and implements the
茶水间和直饮水机，减少水浪费。
餐厅 “Clean Plate Campaign”. In addition, the Company has introduced decentralized
The Company uses induction-type faucets and water-saving toilets to
Canteens vacuum collection and processing system for kitchen waste in the employee 水资源 improve water utilization efficiency; sets up shared tea rooms and direct
canteens, promoting the recycling of food waste. Water resources drinking water dispensers in office areas to reduce water waste.
将厨余垃圾投入投放口 粉碎处理 真空管道输送
Put food waste into the disposal inlet Crush Transport through vacuum pipeline
油水分离器 湿垃圾脱水 进入存储脱水一体机
Waste enters the integrated storage and
Oil-water separator Dehydrate wet waste dewatering machine
达标排放
Achieve standard and discharge
Wet waste residue accounts for 20%
微生物菌种处理
Treat microbial strains
Clean power
清洁电力。与燃煤发电相比，每年可以减少碳排放 7977KG。
A distributed PV power generation system with a peak power output of 10kW
真空管道输送 脱水、生物降解 最终产物 has been installed on roofs of office buildings. It produces about 9800 kWh
Transport through vacuum Dewater and 有机肥
pipeline biodegrade of clean power per year. Compared with coal-fired power generation, it can
reduce carbon emissions by 7977kg per year.
案例
Successful
case
II
传递绿色理念
Convey green concepts
公司开展关于绿色办公、绿色生活的系列宣传活动，向全员传递绿色理念，鼓励员工建立绿色节
约的良好习惯。
The Company conducts a series of promotional activities to raise awareness of green office practices
and sustainable living among all employees. These activities aim to promote a green mindset and
encourage employees to practice thrift and develop eco-friendly habits.
倡导环保行为：鼓励员工中绿色出行，降低交通碳排放；鼓励员工参加“地球一小时”等环保志愿
活动与环保实践，身体力行参与环保事业。
The Company promotes eco-friendly behaviors, encouraging employees to use eco-friendly commuting
methods to reduce their carbon footprint. Additionally, the Company encourages employees to
participate in environmental volunteer activities such as "Earth Hour" and other environmental practices,
actively engaging in environmental protection efforts.
责任筑基 “苏”写美好未来
Social
Take multiple measures to improve targeted services II
多年来，江苏金融租赁坚守租赁主业，多措并举提升精准服务能力，以多元的金融产品、高效的
流程设计和先进的科技手段为数十万客户发展保驾护航。
消费者权益保护
Over the years, JFL has remained committed to the leasing industry, implementing a multitude of Protect rights and interests of consumers
measures aimed at enhancing targeted services and delivering a wide range of financial products,
streamlined process designs, and cutting-edge technology to hundreds of thousands of customers.
为了更好服务小微客户，公司设立了独立的客服中心。建立呼叫中心平台，配备专门团队，快速
高效解答客户疑难问题；建立智能客服系统，实现智能客服 24 小时服务客户。
案例 金融创新：助力老牌国企打破销售“瓶颈”
Successful To better serve its small and micro-enterprise customers, the Company has established an independent
case
Financial innovation: JFL facilitates market expansion for a well-established
customer service center. The center has set up a call center platform with a dedicated team to quickly
state-owned enterprise and efficiently address customer inquiries and problems. Additionally, an intelligent customer service
system has been established to provide 24-hour customer service support.
天津 Y 工程机械有限公司作为一家老牌国企，具有国际先进水平的工程机械设备，但缺乏一些利
用金融手段拓展市场的“经验”。2022 年，Y 公司在开拓市场时遇到资金需求，公司深入了解其
设备使用场景、工程结算特点等，制定了一份特色化专业化的融资租赁解决方案。此外，公司利
平台累计呼入 呼叫中心平台：
用金融科技优势，设计“推易租”产品，通过人脸识别技术，实现秒级审批和投放。
Tianjin Y Construction Machinery Co., Ltd. boasts internationally advanced engineering machinery and Call center platform:
equipment, yet lacks expertise in utilizing financial tools to overcome sales bottlenecks. In 2022, the 通
company faced capital demands while exploring new markets. Based on an in-depth understanding 自主研发并上线呼叫中心平台，无缝对接公司业务系统和其他智能平台，
of the equipment usage scenarios and engineering settlement characteristics among other factors, 兼顾呼入、呼出、短信和智能外呼等多种通信能力，为客户提供一站式
累计呼出
JFL developed a tailored financial leasing solution. Leveraging its technological prowess in finance, JFL 售后服务体验。
created an innovative product called "Easy Lease", which enables instant approval and delivery through It is an independently developed system that seamlessly integrates with the
cutting-edge face 通 Company's business system and other intelligent platforms. It offers various
communication capabilities such as incoming and outgoing calls, SMS, and
累计服务客户 intelligent outgoing calls, providing customers with a one-stop after-sales
service experience.
名
智能客服系统：
Intelligent customer service system:
累计处理客户问答 自主研发 AI 智能客服“乐乐”，对消费者咨询接待回复。智能客服系统
自 2021 年 4 月 2 日上线以来，累计处理客户问答 4.3 万条。
The independently developed system, with the AI-powered chatbot "Lele",
条 handles customer inquiries and replies. Since its launch on April 2, 2021, the
system has processed over 43,000 customer inquiries.
Customer complaint handling for improving customer satisfaction
强化考核评价：
Enhance assessment and evaluation:
力提升客户投诉处理工作的质量和效率。规范客户投诉处理工作，及时解决客户投诉，保护客户 结率、投诉回溯及整改落实等内容，重点关注消费者权益易遭受侵害的重点业务和关键环节。
的正当权益，努力提升客户体验，持续提升公司的社会责任意识。 The Company has incorporated customer complaints and handling into the performance assessment
In 2022, the Company strictly complied with the "Management Measures for Handling Consumer and evaluation system of each department. The assessment focuses on the growth rate of complaints,
Complaints in the Banking and Insurance Industries", highly valued each customer complaint, and settlement rate of complaints, complaint review and implementation of rectification, and places an
focused on improving the quality and efficiency of customer complaint handling. The Company emphasis on key businesses and key processes where consumers' rights and interests are vulnerable to
standardized the handling of customer complaints, resolved customer complaints in a timely manner, damage.
protected customers' legitimate rights and interests, and continuously improved customer experience 2022年度，共受理监管部门转办投诉19件，规定时间内解决19件，投诉解决率100%。2022年投
and its own social responsibility awareness. 诉发生率仅为0.02%。
In 2022, a total of 19 complaints transferred by regulatory authorities were accepted, and 19
完善投诉机制： complaints were resolved within the time limits, with a resolution rate of 100%. The complaint rate
Improve complaint mechanisms: in 2022 was only 0.02%.
完善修订《客户投诉处理管理办法》，明确投诉与纠纷化解主管部门统筹协调消费者投诉处理工
投诉解决率 投诉发生率
作，明确投诉处理流程。
JFL has improved and revised the "Customer Complaint Handling Management Measures," which clarifies
the department responsible for coordinating and resolving consumer complaints and disputes and
outlines the complaint handling process.
建立溯源机制，根据频繁投诉内容查找产品和服务的薄弱环节及风险隐患，加强问题源头治理，
优化完善业务流程，进一步提高服务水平。
The Company has also established a traceability mechanism to identify vulnerabilities and potential risks 加大宣传培训力度：
in products and services based on frequent complaints, allowing for strengthened management of the Increase publicity and training efforts:
underlying causes of problems, optimization of business processes, and better services.
邀请专业讲师开展消费者权益保护与客户投诉处理专题培训及情景演练；在“金融消费者权益保
护日”等活动期间充分利用媒体、公众号等渠道向客户宣传消费者金融安全保护等金融知识。
优化投诉处理渠道： The Company invited professional lecturers to conduct special training and scenario rehearsals on
Optimize complaint handling channels: consumer rights and interests protection and customer complaint handling. During events such
as "Financial Consumer Rights and Interests Protection Day", the Company made full use of various
成立消费者权益保护中心；配备专职人员，上线呼叫中心平台对接客户投诉处理工作；新增微信 channels, such as media and official accounts, to impart financial knowledge such as consumer financial
公众号后台投诉渠道，上线AI智能客服“乐乐”系统。 security protection to its customers.
JFL has established a Consumer Rights and Interests Protection Center, equipped with dedicated staff
and an online call center platform to handle customer complaints. The Company has also added a
complaint channel on the WeChat official account and launched an AI-powered smart customer service
system called "Lele”.
客户投诉渠道公示地点
投诉及咨询电话 Location for publicizing customer complaint channels
Complaint and 官方网站：
consultation phone 在公司官网显著位置公布客户投诉电话等。
Official website:
Customer complaint hotline and other information are displayed in prominent positions on the Company's official website.
在苏乐租 App 的智能客服中公示投诉受理提示信息。
Online business channels:
Complaint acceptance prompt information is displayed in the intelligent customer service of SuLeasing App.
Join hands to achieve win-win results in the future
联合各行业内优质设备制造厂商和经销商，为企业采购设备、使用新技
公司充分发挥金融租赁特色，整合产业、金融资源，助力实体经济升级。 厂商合作 术提供资金支持；
The Company gives full play to the characteristics of financial leasing, integrates industrial and financial Cooperation with The Company works with manufacturers and distributors of high-quality
resources, and helps upgrade the real economy. manufacturers equipment in various industries to provide financial support for enterprises
to purchase equipment and use new technologies;
与境内外金融机构保持良好合作，凭借自身良好的信用、多元化融资结
构降低融资成本，向实体经济提供更好的服务。
融资伙伴 The Company maintains good cooperation with domestic and foreign
Financing partners financial institutions, reduces financing costs by virtue of its good credit
and diversified financing structure, and provides better services to the real
economy.
I
厂商经销商数量
Number of manufacturers and distributors
产融合作，加速服务实体经济 2500
Integrate production with financing to provide better
services for the real economy 2000
公司充分融合自身多年深耕产业的经验和国际设备融资租赁的先进理念，将厂商租赁模式作为发
展设备租赁的重要方式，通过与优质厂商经销商合作，精准把握企业设备购置需求，量身定制企 920
业还款方案，科学搭建“租赁物 + 承租人 + 厂商”三位一体风险管控体系，从而破解企业在设备购 609
置、技术升级时的融资难题。 500 227
Integrating its years of experience in the industry with advanced concepts in international equipment
leasing, the Company takes the manufacturer leasing model an important way to develop equipment
leasing. By cooperating with high-quality manufacturers and distributors, the Company can accurately
understand the equipment purchasing needs of enterprises, customize repayment plans for them, and
establish a three-in-one risk control system of "leased property + lessee + manufacturer". This system
can effectively solve financing difficulties that enterprises encounter when purchasing equipment or
upgrading technology.
案例
江苏金租与厂商合作的标准化产品
Successful
优质厂商 优质销售网络 case Standardized products that JFL develops in collaboration with
Quality Quality sales manufacturers
manufacturers networks
厂商合作
良性循环轨迹
Virtuous circle of
最佳效益 cooperation with 优质产品
Optimal manufacturers Quality products
benefits
Quality customers
I
案例
Successful
case
与特雷克斯形成稳定的合作关系 资金融通，减轻企业融资负担
Stable cooperative relationship with Terex Ease financing burdens of enterprises with financing services
密合作，创新推出高空易租产品，并利用金融科技实现全流程智能化、在线化，为客户提供更高效、 内外众多银行、证券、保险等金融机构建立了长期稳定的合作关系，获得充足的授信额度和较低
便捷的融资体验。2022 年，双方共商深化交流合作事宜，将在原有合作基础上全面深化合作关系， 的融资成本，并综合运用多元化融资手段，从源头上降低融资成本，进一步减轻企业融资负担。
通过研发技术与金融产品的持续创新输出，积极探索高空作业设备全生命周期解决方案，助力新
As a licensed non-bank financial institution, the Company has established long-term and stable
设备销售，为客户创造更多价值。
cooperative relations with many domestic and foreign banks, securities and insurance companies,
In November 2018, Jiangsu Financial Leasing and Terex formally signed a cooperation agreement, and the and other financial institutions by virtue of its robust performance, good social reputation and AAA-
first cooperative project was launched. Since then, the two companies have worked closely to innovate rated subject rating, obtained sufficient credit lines and low financing costs. It has comprehensively
and launch aerial work equipment lease products, and use financial technology to realize intelligent used diversified financing means to reduce financing costs and further reduce financing burdens of
online processes, bringing customers a more efficient and convenient financing experience. In 2022, enterprises.
the two companies discussed the deepening of exchanges and cooperation. They will comprehensively
deepen the cooperative relationship based on the original cooperation, actively explore life-cycle
solutions for aerial work equipment through continuous innovation and output of research and
development technology and financial products, assist in sales of new equipment, and create more 多元化融资渠道
value for customers.
资本市场 资金市场
可转换公司债券（50 亿元） 直接融资
首家发行可转债的金租公司 > 金融债券（两期、共计 40 亿）
> 资产证券化
……
间接融资
> 同业借款
> 内保内贷
> 流动资金贷款
> 保险资管资金引入计划
……
部分合作金融伙伴
Some financial partners
案例
Successful
case
苏州银行南京分行一行访问江苏金融租赁
Nanjing Branch of the Bank of Suzhou visits JFL
Convey corporate values 接听投资者电话咨询
Answered investors’
telephone enquiries
投资者和分析师电话会
Telephone conferences with
investors and analysts
业绩说明会 2022 年投资者活动
Performance briefings 覆盖机构
场 Coverage of investor 家
activities in 2022
反向路演活动
Reverse roadshows 17 场
投资者开放日
Open Days for Investors 2 场
案例
Successful 投资者开放日
case
Open Days for Investors
公司结合投资者关注焦点，于 2022 年组织开展 2 次投资者开放日，邀
公司坚持多渠道与投资者开展沟通交流，积极通过业绩说明会、反向路演、接待投资者调研、接
请投资者代表来到公司，通过参观展馆、部门走访、高层座谈等形式，
听投资者电话、网络互动平台、可视化业绩宣传等多种方式维护投资者关系工作，在保障信息披
让投资者对公司的运营和战略有了更为深入的了解。
露合规基础上，增进投资者和潜在投资者对本公司的了解。
The Company organized two investor open days in 2022, in response to the
The Company maintains multi-channel communication with investors, actively engaging in investor focus of investors' attention. Investor representatives were invited to visit the
relations through various means such as performance briefings, reverse roadshows, receiving investor Company, and through activities such as visiting exhibition halls, department
research, answering investor inquiries, utilizing online interactive platforms, visual performance visits, and senior management discussions, investors gained a more in-depth
promotion, and more. It also keeps improving its understanding of investors' and potential investors' understanding of the Company's operations and strategies.
understanding of current and potential investors on the premise of compliance with information
disclosure regulations.
Focus on employee well-being
I
坚持人本管理
Insist on people-oriented management
公司将员工视为最宝贵的财富，并将促进员工的全方面发展成长作为履责目标之一。通过保障员
工权益，关注员工成长，做好员工关怀等措施，为员工创造公正、健康、有活力的工作环境，以
和谐的企业氛围、丰富的活动形式激发全体员工爱岗敬业、拼搏奉献、团结协作的工作热情。
The Company regards employees as its most valuable asset and considers promoting their all-around
Protect the rights and interests of employees
development and growth as one of its responsibilities. It creates a fair, healthy, and vibrant working
公司坚持按劳分配和同工同酬，让每个员工都享有平等的雇用权利，为员工提供具有内部公平性
environment for employees by safeguarding their rights and interests, focusing on their growth, and
与外部竞争力的薪酬。
taking employee care measures. With a harmonious corporate atmosphere and diverse activities, the
Company inspires all employees to be dedicated to their work, work hard and make contribution to the The Company adheres to the principles of "pay based on performance" and "equal pay for equal
growth of the Company, and work together with a spirit of unity and cooperation. work", ensuring that each employee has equal employment rights and receives fair and competitive
compensation.
公司不断完善员工福利体系。依法依规为员工办理各项社会统筹保险；建立企业年金，提升员工
养老保障水平；购买全员补充医疗保险和重疾险，提升对员工的健康关爱。
The Company continuously improves its employee welfare system by lawfully handling various social
insurance for employees, establishing a corporate pension plan to enhance employee retirement
benefits, and purchasing comprehensive supplementary medical and critical illness insurances to
improve employee health care.
按性别划分 ／ By gender 按年龄划分 ／ By age
女 Female 男 Male 大于 50 岁 ／ Over 50 35 至 50 岁 小于 35 岁 ／ Less than 35
Implement democratic management
Promote employee development
公司层面培训
公司重视职代会制度建设和实施工作，制订了 度工作报告、集体合同履行情况等报告，完成 在“零售+科技”双领先战略指引下，公司以“中高层管理人员、客 Training sessions at the company leve
《职工代表大会工作规则》，明确职代会职权 了第三届监事会职工监事的补充选举。 户经理、新员工”为对象，打造“领航、远航、新航”三层级培训体
及决策程序，保障员工民主管理权利。 In 2022, the Company held a total of four staff 系，同步推进公司、部门双层面培训项目，支持员工成长。
The Company attaches great importance to representative conferences, which deliberated and Under the "Retail + Technology" dual-leading strategic guidance, the
the construction and implementation of the approved revisions to the "Work Rules of the Staff 项
Company has created a three-level training system, namely "Navigation,
staff representative conference system and Representative Conferences", the "Management Far Voyage, and New Voyage" for middle and senior-level managers,
has formulated the Work Rules of the Staff Measures for Employee Performance Pay 参训人数
customer managers, and new employees, while synchronously Participants
Representative Conferences to clarify the Retrieval and Withholding", and the adjustment of promoting training programs at both the company and departmental
authority and decision-making procedures of the employee maternity leave, among other issues. The levels to support employee growth.
workers congresses and safeguard the staff's conferences also received reports on the Company's
rights of democratic management. annual operations, the annual work report of the 人次
重点打造客户经理培训
了修订《职工代表大会工作规则》、修订《员 contracts. In addition, the supplementary elections 部门层面培训
Focus on training customer managers Training sessions at the departmental level
工绩效薪酬追索扣回管理细则》、调整员工产
of the third session of employee supervisors of the
围绕业务开拓、风险管理、内控合规等，组织专题授课。
假等议题，听取了公司年度经营情况、工会年 Board of Supervisors were completed.
The Company provides specialized courses on business development,
risk management, and internal control and compliance.
项
Motivate employees to explore their own potential
持续深化新员工培训培养
Continuous reinforcement of training and development of new 人员覆盖率
Personnel coverage rate
employees
“双选竞聘”选人用人机制 竞争上岗与双向选择机制，实现“人员能进能出，岗位能上能下，工资能高
通过集中培训、导师带敦、年底考评等方式，帮助新员工快速成长成才。
“Two-way selection and competition 能低”
The Company utilizes concentrated training, mentorship programs, and
selection" mechanism for employee The mechanism enables reasonable employee recruitment and employment
year-end evaluations to facilitate rapid growth and development of new
recruitment and appointment: termination, promotion and demotion, and salary increases and decreases.
employees.
客户经理培训专题授课
董事会决定薪酬总额，根据成本收入比、行业特点、当年业绩确定年度工资 Special courses on customer manager training
持续推进中高层培训。
计划；坚持市场导向原则，实行“工资与岗位挂钩，绩效与业绩挂钩”的薪酬
Continuous promotion of the training for middle and senior-
分配机制。
工资总额决定机制 level managers.
The Board of Directors decides on the total remuneration, determines annual 围绕外部环境分析、公司经营策略、团队管理、个人提升等模块，优
Mechanism for determining total 门
salary plans based on cost-to-revenue ratio, industry characteristics, and annual 化课程体系，组织集中授课，强化中层对公司战略承接的有效支撑。
remuneration
performance. It adheres to the principle of market orientation and implements
Focusing on external environmental analysis, company management 线下参训
a remuneration distribution mechanism that links remuneration to positions and Offline participants
strategies, team management, personal development, and other
performance bonus to achievements.
modules, the Company optimizes course system, organizes
concentrated training, and strengthens the effective support of middle-
“部门考核与个人考核相结合、结果考核与过程考核相结合、经济指标与其
level managers for the Company's strategies.
他综合指标相结合”的考核方案；MBA岗薪体系，绩效薪酬占比大于70%； 人次
市场化的绩效考核与薪酬机制
骨干员工薪酬延期支付。
Market-oriented performance 线上学习
The mechanism involves “a combination of departmental and individual Online learners
evaluation and remuneration
evaluations, result and process evaluations, and economic indicators and other
mechanism
comprehensive indicators”. The MBA remuneration system allocates over 70%
of remuneration to performance pay, and deferred remuneration payment is
implemented for backbone employees. 人次
II 2 美丽苏租，营造舒适氛围
Beautiful environment and diverse recreational facilities
公司打造钢琴室、瑜伽室、健身房、图书馆等文体场馆，丰富员工业务生活，满足员工精神需求。
创建和谐职场 The Company has established various recreational facilities such as a piano room, yoga room, gym, and
Create a harmonious workplace library, to enrich employees’ life and meet their spiritual needs.
A warm working environment that caters to employee needs
创建一站式作业生活服务中心
A one-stop work-life service center
全新打造苏租人的专属 APP“掌乐租”，员工可通过“掌乐租”畅所欲言，
展示生活、分享经验、探讨困惑。为员工打造清甜愉悦的组织文化氛围，
承包工作之余的精神食粮。
The Company has created an employee-exclusive App called "Mobile Leasing
(Zhang Le Zu)" where employees can air their views freely, share excellent 活力苏租，丰富员工生活
moments of their life and their experiences, and discuss challenges. This Colorful and energetic employee activities
fosters a pleasant and joyful organizational culture and provides mental
nourishment for employees. 公司举办丰富多彩员工活动，将以人为本作为首要发展理念，增强员工间的的凝聚力，员工对企
业的向心力。
打造温馨食堂，严格关注食品安全
The Company regularly organizes colorful employee activities, with a fundamental principle of putting
A warm canteen with strict food safety measures
严把食品安全关，确保员工饮食健康；改造食堂就餐空间，提供特色餐 people first, building stronger bonds among employees, and fostering greater loyalty to the Company.
饮美食；组织员工美食制作、烘焙课堂、亲子美食互动、秘制菜谱讲座
等活动。
The Company is committed to ensuring food safety for its employees and
has transformed the canteen dining space to provide special culinary
experiences. In addition, it organizes events such as employee food-making
and baking classes, parent-child culinary interactions, and secret recipe
lectures.
关心员工身体健康
Care for employee health
组织每年一次的全员体检活动，建立公司医疗室，并在每个楼层放置医
疗包。
The Company conducts annual comprehensive health checkups for all
employees, provides an on-site medical clinic, and equips each floor with a
medical kit.
关怀女性员工
Care for female employees
举办多姿多彩地女神节活动，为孕期女性员工设置食堂爱心专座，在各
个楼层开辟母婴室。
The Company celebrates International Women's Day with various events
and also provides dedicated seating for pregnant female employees in the
canteen and mother and baby rooms on each floor.
活动 活动
Activity Activity
遇见·古韵国风
主题交友活动
Encounter with the Ancient Charm
一起悦跑 青春前行
of Chinese Culture
第八季“彩虹跑”活动
themed socializing activity
Together for a Joyful Run,
Move Forward with Youth
活动
Activity
读书抗“e”第四届“悦读季”
& 读书沙龙活动
The 4th “Joyful Reading Season" &
Reading Salon Activity
活动
Activity
苏租讲坛
活动
JFL Forum
Activity
融说慧道 匠谈苏租
Smart Finance
小小租赁家
第四季家庭日活动
The "Little Lessors" 4th
Season Family Day Activity
作为全国文明单位，公司与徐州睢宁联群社区结对共建多年，持续帮扶睢宁县发展。
As a national civilized unit, the Company has been paired with the Lianqun community in Suining
Gather positive forces County, Xuzhou for many years, continuously supporting the development of Suining County. In 2022, the
村企结对联建 Company purchased local characteristic agricultural and sideline products worth nearly CNY 200,000,
Village-enterprise and donated 5,700 medical kits to Suining.
江苏金租积极践行社会责任，通过实际行动贯彻落实国家《第十四个五年规划和 2035 年远景目 pairing for joint
标纲要》中关于乡村振兴和社会公益的各项要求，全力助推乡村振兴，参与公益捐赠和赞助，倡 construction
导全体员工参与各类志愿活动，传递有温度、有担当的企业正能量。 “村企相联 租宁平安”——为睢宁送上紧缺医疗物资
JFL has actively fulfilled its social responsibilities, and implemented various requirements on rural 案例 “Village-enterprise pairing solves the urgent need" - Suining is provided
revitalization and social welfare in the National "14th Five-Year Plan and Outline of Vision 2035" through Successful with scarce medical supplies
case
practical actions. It spares no efforts to promote rural revitalization, participates in public welfare
donations and sponsorship, and encourages all employees to participate in various volunteer activities, 2022 年 4 月，睢宁县面临医疗物资严重短缺的难题。公司高度重视，立即行动，多方协
spreading the positive energy of a responsible and caring enterprise. 调资源，连夜采购医疗物资 5700 份，包括防护服、隔离衣、N95 口罩、酒精等。同时排
除各方困难，联系运送车辆，第一时间为联群社区提供医疗资源支持。
In April 2022, Suining County faced a severe shortage of medical supplies. The Company attached great
importance to the matter and took immediate action. It pooled resources and purchased 5,700 pieces
of medical supplies overnight, including protective clothing, isolation gowns, N95 masks, and alcohol.
Additionally, it overcame various difficulties, arranged transportation vehicles, and provided medical
resource support to the Lianqun community in a timely manner.
II
消费帮扶——用“力”倾助乡村振兴
Consumption-based assistance - support rural revitalization with “strength"
万元，为农户增加收入，助力乡村振兴。
对口援建帮扶 In 2022, JFL actively participated in consumption-based assistance activities, purchasing characteristic
Targeted agricultural and sideline products worth over CNY 600,000 from Qinghai, Gansu, and other regions,
assistance and increasing income for farmers and supporting rural revitalization.
support
献血践善行——将热血大爱凝聚，将生命紧紧相连
III 公司始终秉持公益精神，加大对贫困人群和弱势群体的关注和扶持力度，努力汇聚员工、 案例
客户及社会各界的爱心力量，共建美好家园，促进社会福祉提升。 Successful
case Blood donation - spread love and warmth, and help those in need
The Company has always adhered to the spirit of public welfare and has increased its support and
attention to disadvantaged and impoverished groups. The Company has made efforts to bring together 2022 年 8 月 12 日，江苏金租团委 “ 向日葵 ” 公益团队组织了 “ 献血践善行，献礼二十大 ”
公益志愿活动
the love and support of employees, customers, and society to build happier homes and promote the 主题无偿献血活动，近 100 名员工参与献血活动，累计献血总量 21800cc。这是团队自成
Public welfare and advancement of social welfare. 立以来组织的第 7 次无偿献血活动，公司员工用行动诠释爱的力量、传递人间温暖。
volunteer activities On August 12, 2022, the "Sunflower" public welfare team of JFL CCYL Committee organized a theme-based
voluntary blood donation event called "Blood Donation for Celebrating the 20th CPC National Congress",
with nearly 100 employees participating and a total of 21,800cc of blood donated. This is the 7th voluntary
案例 助力“梦想小屋”改造—— 方寸之中，看见美好未来！
Successful blood donation activity organized by the team since its establishment, spreading the power and warmth
case Support the "Dream House" Renovation - see a bright future from a small place! of love through practical action.
江苏金租积极响应中国共产主义青年团江苏省委员会、江苏省希望工程办公室 “ 梦想改
造 +” 关爱计划，为盱眙县百余位 “ 事实孤儿 ” 建设 “ 梦想小屋 ”，为改善他们的学习与生
活提供最温暖、坚实的力量。
JFL actively responded to the "Dream Renovation+" care plan initiated by the Jiangsu Provincial
Committee of the Communist Youth League and the Office of the Hope Project in Jiangsu Province. The
Company helped to build "Dream Houses" for over 100 "de facto orphans" in Xuyi County, providing the
warmest and most solid support for their studies and daily lives.
扫描二维码，观
看梦想小屋视频 案例 防寒暖心包，为货车司机送温暖
Successful
case Cold-proof packages bring warmth to truck drivers
立冬后天气逐渐变冷，为更好关注爱护货车司机这一群体，公司为货运司机精心准备了
防寒暖心包，暖心包主要包含了医疗物品、快餐类食品及生活物品等。希望能为长途跋
案例 “慈善一日捐”活动 涉的货车司机送去关怀与温暖，感谢他们为保障物资运输做出的贡献。
Successful "One-Day Charitable Donation" As the weather gradually became colder after the beginning of winter, JFL prepared cold-proof packages
case
activity for truck drivers, containing medical supplies, fast food, and daily necessities. The Company hoped
to send care and warmth to truck drivers on long journeys, thanking them for their contributions in
一日捐 ” 活动，公司共计 400 多人参加捐
款活动。所捐款项将全部用于帮特困、救
急难民生保障项目，对大病重病患者、孤
残儿童、孤寡老人、重度残疾人等困难弱
势群体实施精准帮扶，帮助他们走出生活
困境，建设幸福家园。 projects for vulnerable groups, such as those
In September 2022, JFL held the "One-Day suffering from serious illnesses, orphaned
Charitable Donation" activity, with over 400 children, elderly people living alone, and those
employees participating in the fundraising event. with severe disabilities, helping them overcome
All donations will be used for targeted assistance their difficulties and build happier homes.
「 专题 Special focus 」
服务实体经济
走进千家万户
Serve the real economy and extend our
reach to countless households
Practice inclusive finance
要始终坚持以人民为中心的发展思想，推进普惠金融高质量发展，健全具有高度适应性、竞争力、
普惠性的现代金融体系，更好满足人民群众和实体经济多样化的金融需求，切实解决贷款难贷款
荣誉
贵问题。
We must always adhere to the people-centered development ideology, promote the high-quality Honors
development of inclusive finance, and improve a modern financial system with high adaptability,
competitiveness, and inclusiveness to better meet diverse financial needs of the people and the real
economy, and effectively solve the difficulties and high costs of obtaining loans.
江苏金租服务小微租赁模式入选国务院国资委国企品牌建设典型案例
JFL’s leasing service model for micro and small enterprises was selected as
习近平总书记在中央深改委第二十四次会议上的讲话 a typical case for state-owned enterprise brand building by the State-owned
Speech by General Secretary Xi Jinping at the 24th Assets Supervision and Administration Commission of the State Council
Meetingof the CPC Central Committee for Deepening
Reform in an All-round Way
Exceptional Financial Institution Implementing Inclusive Finance with
Competitive Excellence in 2022
Outstanding Financial Services for Online Ride-hailing Award in 2022
I 1 准入门槛低，容易获得
Low entry threshold and easy access
特色服务 公司将设备作为第一还款来源，大幅降低了小微企业资质及抵质押要求。
Featured services 公司在租赁期间掌握设备所有权，设备取回和变卖可以覆盖信用风险。
企业以设备投产后创造的现金流偿还租金。
The Company prioritizes equipment as the main source of repayment,
公司积极贯彻金融为民理念，面向小微企业做深做实普惠金融，立足以设备为载体的“融物”特色，
significantly reducing collateral requirements for small and micro
积极服务灵活就业者、农户、个体工商户、小微企业等普惠金融客户群体，着力攻破普惠金融工
enterprises. During the lease term, the Company retains ownership of
作的推进难点，努力为普惠金融服务主要群体提供可及性高、便捷性强、灵活多样的普惠金融服务。
the equipment, which allows it to manage credit risks through equipment
The Company actively embraces the philosophy of "finance for the people", concentrating on deepening repossession and resale. Enterprises can pay their equipment rentals using
and strengthening inclusive finance for micro and small enterprises. By leveraging equipment as a the cash flow generated by the equipment operation.
financing medium, the Company proactively serves customer groups of inclusive finance, including gig
workers, farmers, self-employed entrepreneurs, and micro and small enterprises. It is committed to
overcoming challenges in advancing inclusive finance initiatives and providing the primary target groups
with accessible, convenient, flexible, and diverse financial services. 个性化方案，还款灵活
Tailored lease plans and flexible repayment options
公司绝大部分租赁产品均为 3 年以上中长期融资，租赁期限与设备使用
寿命挂钩，还款方案与企业、设备现金流匹配。
Most of the Company's lease products are medium to long-term financing
[点] solutions with durations of three years or more. Lease terms are connected
以租赁设备为基点，针对行业特点，开 to the equipment's service life, and repayment plans are customized to align
“点、线、面”框架的小微租赁模式
Leasing mode with "point, line, and plane" 发特色普惠产品 with the cash flow of both the enterprise and the equipment.
framework for micro and small businesses
[ Point ]
Develop featured inclusive products centered around
equipment leasing while considering industry-specific
characteristics
差异化供给
Differentiated supply
Scenario-based experience with efficient process
江苏租赁“普惠金融” 公司将服务嵌入设备的销售场景，客户在设备厂商经销商网点即可获得
业务特点
Features of JFL's 一揽子解决方案。公司内部对成熟产品制定标准化信贷政策，开发自动
[线 ] [面] "inclusive finance"
business
决策模型，架设快速评审通道，扩大小微条线授权，提供全流程线上服
精专厂商租赁，发挥各自优势，服务设 开发小微聚集区，主动上门，对接企业
务，让客户当天提出申请，当天即可获得投放。
备上下游条线 需求
The Company seamlessly integrates services into the equipment sales
[ Line ] [ Plane ]
Concentrate on manufacturer leasing, and utilize each Seek potential customers in clusters of micro and small process, enabling customers to access comprehensive solutions directly
party's strengths to serve the entire equipment supply businesses, make door-to-door visits and address their 特色化服务
chain needs from equipment manufacturers and dealers. For well-established products,
Featured services
the Company have implemented standardized credit policies, developed
automated decision-making models, set up rapid review channels, and
extended authorization for small and micro businesses. The Company offers
a full online service process, allowing customers to submit applications and
receive financing on the same day.
II 普惠金融租赁资产分布图
Distribution Map of Inclusive Financial Leasing Assets
成果成效
Achievements 环渤海
河北、山东、辽宁
北京、天津
小微客户投放金额不断增加
Steady growth in financing for small and micro customers
新增投放金额 同比增长
The increase in financing amount reached CNY year-on-year growth
万元
ten thousand
Reasonable pricing for financing
The comprehensive cost for small and micro customers in 2022 exhibited 长三角
上海市、江苏省
同比降低
浙江省、安徽省
year-on-year reduction
个 BP 38.36%
Broad coverage of services
泛珠三角地区
辐射全国
广东、福建、江西
Services are provided in 南海
广西、海南、湖南 诸岛
四川、云南、贵州
个省市自治区
provinces, municipalities, and autonomous
regions across the country
III
精准滴灌 案例 江苏常熟 A 智能科技有限公司是一家从事手机、电脑外壳及汽车塑胶零部件和铝镁合金的表面处
Successful 理的小微企业。面对激增的客户需求，该公司亟待扩大产能。江苏金租通过长期以来的跟踪服务，
Targeted support
case 及时了解到该企业的资金需求，以融资租赁的方式助力其购买一台价值 320 万元的喷涂线机械设
备。同时，江苏金租确认设备产生的收益可以完全覆盖还款周期，保证其经营资金流不受影响。
Unblocking financial channels to support small and micro enterprises
A Intelligent Technology Co., Ltd. is a small and micro-enterprise in Changshu, Jiangsu, specializing
in surface treatment for mobile phone and computer cases, automotive plastic components, and
aluminum-magnesium alloys. Facing increased customer demand, the company urgently needed to
expand its production capacity. Through long-term follow-up services, JFL quickly understood the
company's funding demand and supported the purchase of a CNY 3.2 million spray line machine through
financial leasing. JFL ensured that the revenue generated by the equipment could fully cover the
repayment period without impacting the company's operating cash flow.
案例 南通 Y 半导体有限公司从事微电子产品研发销售服务、集成电路封装测试等业务。2022 年，该
融资租赁所具备的“融资兼融物”的属性，能有效降低中小微企业的融资门槛和融资成本，为中小
Successful 公司订单量激增，但因回款困难，资金流一度非常紧张。江苏金租及时以回租方式帮助其补充了
微企业提供方便快捷、量身定制的金融服务。金融租赁公司应该充分发挥自身优势，建立长效服
case 流动资金。该项目通过现场尽调与视频签约的形式高效完成，有效缓解了公司面临的发展难题。
务机制，更好地服务中小微企业。
Nantong Y Semiconductor Co., Ltd. is engaged in the research, development, sales, and services of
By leveraging the unique attributes of “financing plus asset leasing”, financial leasing companies can
microelectronic products, as well as integrated circuit packaging and testing. In 2022, the company
effectively lower the financing barriers and costs for medium, small, and micro-sized enterprises,
experienced a surge in orders but faced difficulties in receiving payments, resulting in tight cash
offering them convenient, fast, and tailored financial services. Financial leasing companies should fully
flow. JFL promptly stepped in to help replenish the company’s working capital through a leaseback
capitalize on their strengths to establish long-lasting service mechanisms to better serve medium,
arrangement. The project was efficiently completed through on-site due diligence and video contract
small, and micro-sized enterprises.
signing, effectively addressing the company's development challenges.
江苏金租党委书记、董事长熊先根
Xiong Xiangen, Secretary of the Party
Committee and Chairman of JFL 案例 山西临汾赵城镇的陈先生计划筹备镇上第一家骨科医院，为周边居民提供普惠医疗服务，但两台
Successful 关键 X 射线的采购难倒了陈先生。作为一家新建的小型民营医院，想通过传统金融机构借贷难度
case 较大。公司通过医疗器械厂商得知陈先生的困难后，以融资租赁的方式帮助该医院采购急需设备，
并出具了还款灵活、利率优惠的租赁方案，最大程度降低了医院资金负担。
Mr. Chen from Zhaocheng Town, Linfen, Shanxi, planned to set up the town's first orthopedic hospital to
provide inclusive medical services for local residents. However, he encountered difficulties in purchasing
two crucial X-ray machines. For a newly established small private hospital, it is very difficult to obtain
loans from traditional financial institutions. After learning about Mr. Chen's difficulties through a medical
equipment manufacturer, JFL helped the hospital acquire the much-needed equipment through financial
leasing, offering a flexible repayment plan with preferential interest rates to minimize the hospital's
financial burden.
案例 一辆小货车，提升了“新市民”幸福指数
Successful
case A small truck raises the happiness index of a "new urban resident"
Bring warmth to "new urban residents" with financial services, and contribute to the
construction of livable cities with inclusive financial services.
江苏金租着力加大对“新市民”就业的金融支持力度，用有温度的金融服务温暖辛苦打拼的“新市民” 韩先生早些年从河南省开封市来到南京，计划从转行做一名货车司机，经过一番研究，韩先生打
们，让城市真正成为“梦之所向、身心可安”的宜居之地。 算加入某大型货运物流平台，但面临购车的资金难题。随后，韩先生拨通了该货运平台金融合作
JFL is committed to enhancing financial support for the employment of "new urban residents," providing 伙伴江苏金租的服务电话，江苏金量身定制了覆盖车辆全生命周期、贴合司机需求的商用车融资
warm and considerate financial services to these hardworking individuals and transforming cities into 租赁产品。通过金融科技赋能，韩先生感受到了项目秒批、电子签约、快速放款等高效、便利的
truly livable places where dreams can be pursued, and peace of mind can be attained. 融资体验。在江苏金租耐心的指导与支持下，韩先生顺利采购了新车。
Mr. Han moved from Kaifeng, Henan Province, to Nanjing years ago, with plans to become a truck
driver. After conducting research, he decided to join a large logistics platform. However, he faced
financial challenges in purchasing a truck. Mr. Han then reached out to JFL, the financial partner of
the logistics platform. JFL customized a transparent and personalized commercial vehicle financing
lease product, covering the vehicle's entire life-cycle. By leveraging financial technology, JFL offered
efficient and convenient financing experiences, including instant project approvals, electronic contract
signing, and rapid disbursements. With the patient guidance and support from JFL, Mr. Han successfully
purchased a new truck.
江苏金租充分利用“融资 + 融物”的双重属性，聚焦农业机械、现代畜牧、户用光伏、“农光互补”
等与乡村振兴战略强相关的市场。将服务下沉到乡镇，通过精准化、差异化、多样化的农村金融
服务，促进农村绿色发展与农民增产增收，为乡村振兴“蓄能加势”。
Serve rural revitalization JFL fully leverages the dual attributes of "financing + asset leasing", focusing on markets strongly related
to rural revitalization strategies, such as agricultural machinery, modern livestock, residential PV, and
"Agri-PV” markets. By providing targeted, differentiated, and diverse financial services to villages and
townships, JFL fosters sustainable rural development, boosts agricultural production, and raises farmers'
incomes, all while invigorating rural revitalization efforts.
全面建设社会主义现代化国家，最艰巨最繁重的任务仍然在农村。世界百年未有之大变局加速演
进，我国发展进入战略机遇和风险挑战并存、不确定难预料因素增多的时期，守好“三农”基本盘
至关重要、不容有失。
In the pursuit of constructing a modern socialist nation in an all-round way, the most formidable and
challenging tasks continue to reside in rural areas. In the midst of a historical transformation unseen
for a century that is accelerating, China's development has entered a phase marked by the coexistence
of strategic opportunities, risks and challenges, accompanied by a rise in uncertain and unforeseeable
elements. Upholding the fundamental aspects of "agriculture, rural regions, and rural people" is critically
significant and allows no room for failure.
Document No.1 of 2023 issued by the
Central People's Government of the
People's Republic of China
I
支持农业农村现代化
Support agricultural and rural modernization
公司紧跟农业生产周期，围绕新型农业经营主体和农牧企业的转型升级
需求，持续加大农业机械、农牧养殖市场的服务力度，将先进的农业机械、
养殖装备引入农牧企业的生产经营中。
The Company stays attuned to the agricultural production cycle, addressing
the evolving needs of new-type agricultural businesses and agricultural
and livestock enterprises as they transform and upgrade. JFL consistently
enhances its support for agricultural machinery and livestock farming
markets by incorporating cutting-edge agricultural machinery and farming
technologies into the daily operations of these enterprises.
In 2022, the company invested nearly CNY 4 billion in related fields, a year-on-
year growth of 42%.
Promote agricultural mechanization through machinery leasing
Support agricultural and livestock equipment upgrades through farming equipment
leasing
公司大力发展厂商租赁特色模式，在农机销售环节为农户提供一站式购机服务。2022 年累计
服务近 3400 家农业合作社、农场和农户；投放金额超 12 亿元，同比增长 31%。
公司以生猪养殖为核心，拓展饲料、疫苗等上下游产业，探索肉鸡养殖、远洋捕捞、水产养殖、
The Company has vigorously developed a unique manufacturer leasing model, providing one-stop
果业种植等细分领域新型产品模式。2022 年，公司投放金额近 25 亿元，同比增长 48%。
machinery purchasing services for farmers during the sales process. In 2022, it served nearly 3,400
The Company focuses on pig breeding, extending its reach to encompass upstream and downstream
agricultural cooperatives, farms, and farmers, with a total investment exceeding CNY 1.2 billion, a year-
industries such as feed production and vaccine development, and exploring new product models in
on-year increase of 31%.
niche sectors like broiler farming, deep-sea fishing, aquaculture, and fruit cultivation. In 202
案例 奏响金融支持春耕“进行曲” 案例 鼎力创新，为乡村振兴插上“数字翅膀”
Successful Successful
case Financial support for spring ploughing case Innovation and digital technology empower rural
revitalization
江苏 D 农业发展公司是东海县主要的农业产业项目开发运营企业，也是
新疆阔克塔斯村的王先生，从事农机工作 20 多年，计划在春耕前购买 东海县首家服务乡村振兴的国企。2022 年，D 公司规划建设一座占地
一台拖拉机。但传统金融机构的审批流程过长，叠加拖拉机订购时间， 近 300 亩、集产销加工于一体的珍惜菌菇生育场，建成后将为东海农
可能错过春耕忙季。经销商向他及时推荐了江苏金租，通过“农易租”专 业向产业化、高端化发展提供强大的动力。江苏金租通过智能温室大棚
属快速审批通道，为其融资购买了价值 89 万元的凯斯 PUMA2304 拖 设备回租，为其投放 1 亿元资金，满足了菌菇特色产业发展的金融需求。
拉机，顺利赶上春耕。 Jiangsu D Agriculture Development Company is a major agricultural industrial
Mr. Wang from Quoktas Village (transliteration), Xinjiang, has been engaged project developer and operator in Donghai County and the first state-owned
in work related to agricultural machinery for over 20 years and planned enterprise serving rural revitalization in the county. In 2022, the company
to buy a tractor before spring ploughing. However, the lengthy approval planned to build a nearly 300-mu precious mushroom cultivation center
process of traditional financial institutions, combined with the tractor's lead integrating production, sales, and processing. Upon completion, it will provide
time, could cause him to miss the busy spring ploughing season. A dealer a strong impetus for the high-end, industrialized development of Donghai’s
timely recommended JFL to him. Through the exclusive "Agri-Easy Lease" agriculture. JFL funded CNY 100 million for the project through equipment
fast approval channel, he purchased a CNY 890,000 Case PUMA 2304 tractor, leaseback of intelligent greenhouse facilities, meeting the financial needs of
ensuring a smooth spring planting season. the mushroom industry.
Assist farmers in reducing costs and increasing income with residential PV systems
公司与光伏组件龙头厂商积极展开合作，为农户拓展持续稳定的收入渠道。年内农村户用光伏板
II
块累计服务了 3.3 万户农户。
The Company actively cooperates with leading PV module manufacturers to provide a stable and
continuous income source for rural households. Throughout the year, the Company successfully assisted
助力农村绿色建设
Support green construction in rural areas
公司持续深化与清洁能源龙头厂商、大型电站总承包方及资产收购方的战略合作，推动农村区域
化整体开发模式，为农村绿色能源基础设施建设提供配套金融解决方案。2022 年在户用光伏、“光 案例 “整县推进”模式支持光伏设备销售、农村绿色发展
Successful
伏 +”项目投放金额近 40 亿元。
case The "County-wide promotion" model supports PV equipment sales and
The Company continues deepening strategic cooperation with leading clean energy manufacturers, large
rural green development
power station contractors, and asset acquisition parties, promoting an integrated rural development
model and providing comprehensive financial solutions for rural green energy infrastructure T 公司创立于江苏，是全球领先的光伏智慧能源整体解决方案提供商。公司积极响应“整县推进”
construction. In 2022, it invested nearly CNY 4 billion in residential PV and "PV+" projects. 的国家政策，联合 T 公司推出“项目公司承租屋顶、整体授信”的业务模式。项目公司统一承租农
户闲置的屋顶，负责项目整体融资和电站设备的安装运维，并定期向农户支付租金。简约便捷的
项目模式将更好支持农村地区绿色基础设施建设。
T Company, established in Jiangsu, is a global leader in providing comprehensive smart PV energy
solutions. Actively responding to the national policy of "county-wide promotion", the company
collaborates with T Company to launch a business model that "project companies rent rooftops and
provide overall credits". Project companies uniformly lease idle rooftops from rural households, taking
responsibility for overall project financing, installation, operation, and maintenance of power stations
while periodically paying rent to the rural households. This simple and convenient project model will
better support green infrastructure construction in rural areas.
Promote rural green development with "PV+" products
年内新增 15 笔项目，投放金额 15.07 亿元，新增装机规模 726MW。公司联合国内知名 EPC 总
承包商推出“农光互补”“渔光互补”等特色“光伏 +”产品，选择光照条件较好的农村地区，在鱼塘、
果蔬、药材等养殖种植基地，或煤炭塌陷区、戈壁等闲置土地布置集中式光伏电站，助力实现农
村土地资源的高效利用。
During the year, JFL launched 15 new projects with a total investment of CNY 15.07 billion, increasing the
installed capacity by 726 MW. In partnership with well-known domestic EPC contractors, the Company
introduced featured "PV+" products such as "Agri-PV" and "Fishery-PV" products. The Company selected
rural areas with favorable sunlight conditions, built centralized solar power stations in fish ponds, fruit
and vegetable farms, medicinal plant bases, or idle lands such as coal mine subsidence areas and
deserts, thereby promoting efficient utilization of rural land resources.
III 1 进一步降低三农群体融资成本
Further reduce financing costs for "agriculture, rural areas, and farmers"
调整农机畜牧、户用光伏等领域定价政策，2022 年平均融资利率较去年下调 91BP；针对特定品
执行纾困解难政策 牌或设备类型推行厂商贴息政策，全年累计向近 400 家农户、农业经营主体贴息达 0.14 亿元。
Implement support policies The Company adjusted pricing policies in areas such as agricultural machinery and livestock, and
residential PV systems. In 2022, the average financing interest rate was reduced by 91BP compared to
the previous year. It implemented manufacturer interest rate subsidies for specific brands or equipment
公司积极落实降低涉农信贷融资成本、支持受疫农业企业等监管要求，为受影响的农户及
types, providing a total of CNY 14 million in interest rate subsidies to nearly 400 rural households and
农业经营主体推出贴息减费、续贷翻单等系列帮扶措施。
agricultural operators throughout the year.
The Company actively implements regulatory requirements for reducing financing costs related
to agricultural credit services and supporting pandemic-affected agricultural enterprises, and
offers a series of assistance measures such as interest rate discounts, charge reductions, loan
rollovers, and renewal for affected farmers and agricultural operators.
融资利率下调 累计贴息
BP
万元
Take a series of assistance measures for customers
公司对受管控影响无法按期还款的 76 家农户及农村合作社减免罚息 30 万元，为 37 笔项目办理
了展期、延期业务，缓交租金 0.5 亿元；针对老客户推出“老友计划”“惠农计划”特色产品，满足
三农主体持续稳定的融资需求，2022 年为老客户新增项目 231 笔，投放金额 2.66 亿元。
The Company waived penalty interest for 76 rural households and rural cooperatives that were unable to
repay their loans on time due to lockdown restrictions, totaling CNY 300,000. It also processed extensions
and deferrals for 37 projects, with a total deferred rent of CNY 50 million. To meet the ongoing and
stable financing needs related to agriculture, rural areas and farmers, the Company introduced featured
products such as the "Old Friends Plan" and "Benefiting Farmers Plan" for existing customers. In 2022, it
added 231 new projects for existing customers, with a total investment of CNY 266 million.
减免罚息 缓交租金 “老友计划”专项扶持 投放金额
万元 万元 笔
亿元
Support freight and logistics
国内国际新形势对加快建设交通强国、构建现代化高质量国家综合立体交通网提出了新的更高要 江苏金租坚决拥护党中央关于“交通强国”的重大战略决策，利用专业化、特色化融资租赁服务能
求，……要着力推动交通运输更高质量、更有效率、更加公平、更可持续、更为安全的发展，发 力以及多年来在“厂商租赁”领域形成的优势，多措并举为物流企业纾困解难，全力以赴支持运输
挥交通运输在国民经济扩大循环规模、提高循环效率、增强循环动能、降低循环成本、保障循环 物流业“保通保畅”。
安全中的重要作用，为全面建设社会主义现代化国家提供有力支撑。 JFL firmly supports the CPC Central Committee's major strategic decision on building a strong
The current domestic and international landscape demands greater efforts to accelerate the transportation country. Leveraging its specialized and characteristic financial leasing service capabilities
construction of a strong transportation country and establish a modern, high-quality national multi- and advantages formed over the years in the field of "manufacturer leasing", JFL is taking multiple
dimensional transportation network…. These efforts should prioritize promoting transportation measures to help logistics enterprises solve their difficulties and fully support the "smooth and
development with a higher level of quality, efficiency, fairness, sustainability, and safety, and leveraging unobstructed transportation" of the transportation and logistics industries.
the crucial role of transportation in various aspects of the national economy, such as scale expansion,
efficiency improvement, and cost reduction, and safety control of circular flow of economy, so as to 2022 年，江苏金租支持近 6500 户物流公司、货运个体户采购货车，投放金额近 20 亿元。
provide essential support for building a modern socialist country. 2022, JFL has supported nearly 6500 logistics companies and self-employed freight forwarders to
purchase trucks, with a total investment of nearly CNY 2 billion.
中共中央、国务院《国家综合立体交通网规划纲要》 支持货运物流主体近 投放金额近
Outline of National Comprehensive Multi-dimensional
Transportation Network Planning of the CPC Central
Committee and the State Council
户 亿元
传统重卡市场
In traditional heavy-duty truck market
开辟“绿色通道”。针对公司熟悉的老客户的资金需求，定制化开发快速审
批、快速投放的“友易租”产品。
JFL has opened a "green channel". For the capital needs of its familiar existing
customers, JFL has developed the "Easy Lease" product, which features fast
approval and rapid delivery.
新能源重卡市场
In new energy heavy-duty truck market
深化厂商合作。进一步加强与头部新能源厂商合作，支持各地区钢
铁厂、焦炭厂、水泥厂等企业的新能源重卡需求，支持相关企业节
能降碳。
I In-depth with manufacturers. JFL has further strengthened cooperation
with leading new energy truck manufacturers to meet the new energy
heavy truck demand of steel mills, coking plants, cement plants, and other
enterprises in various regions, and to support related enterprises in energy
聚焦货运重点领域 conservation and carbon reduction.
Focus on key areas of freight transport
创新业务模式。协同换电站建设领域的主流运营商，探索开展充换电
重卡、甲醇重卡等细分市场“车+站”业务，为畅通区域“微循环”提供
有力支撑。
Innovative business model. JFL has worked with mainstream operators in the field
围绕货运物流不同的环节、不同的主体在特殊时期的临时性、特殊性需求，聚焦货运物流重点帮 of charging station construction to explore "vehicle + station" businesses such
扶对象，江苏金租以定制化金融服务，支持产业链供应链稳定循环。 as battery charging and swapping of heavy trucks and methanol heavy trucks,
Based on the temporary and special needs of different links and entities in freight logistics, JFL focuses providing strong support for unimpeded regional "micro-circulation".
on key support objects in the freight logistics sector, and provides customized financial services to
support stable circulation of the industrial and supply chains.
II
善用多元扶持政策
Effectively utilize a range of support policies
公司积极响应监管部门号召，善用各类扶持政策，支持货运物流企业。
The Company proactively heeded the call of regulatory authorities and availed
itself of diverse support policies to aid freight and logistics enterprises.
发行货运物流债
Issue freight and logistics bonds
公司积极引进专项低成本资金，增强对货运物
流客户的服务能力。
The Company actively introduced specialized low-
cost funds to enhance its service capabilities for
freight and logistics customers.
租行业首批货运物流金融债，募集资金 15 亿
元，期限 3 年，发行利率 2.88%，主体和债
项评级均为 AAA。募集资金将专门用于向货
车车主及相关货运物流企业提供延期还本付
息、续租、新增投放等金融支持。
On July 20, 2022, the Company successfully issued
the first-ever freight and logistics financial bonds
in both the industry and Jiangsu Province. The
issuance raised a substantial amount of CNY 1.5
billion with a term of three years at an interest
rate of 2.88%. Notably, both the subject and
bonds were rated AAA by reputable credit rating
agencies. The funds procured from this bond
offering will be utilized exclusively to provide
crucial financial support such as deferred
principal repayment and interest payment,
lease extension, and additional investment
opportunities for truck owners and related
freight and logistics enterprises.
案例 及时纾困，为小微企业注入“强心针”
Successful
case Address urgent needs for small and micro enterprises
and boost their development
运用支持措施
Take supportive measures
成立于 2015 年的 C 物流公司，主要从事钢材运输，江苏金租一直将其
公司面向货运物流客户推出定价政策调整、租金计划变更等系列扶持措施。
作为重点信贷支持的物流企业。2022 年底，在 C 公司准备进一步扩大
The Company implemented a range of supportive measures for its freight and logistics customers,
业务规模时，受钢铁原材料、油价上涨等其他因素影响，运输成本水涨
encompassing policies on price adjustments and modifications to rental plans.
船高，现金流岌岌可危。江苏金租得知消息后，及时详细了解客户资金
诉求，24 小时内就为其制定了“一企一策”纾困方案，解决企业燃眉之急。
C Logistics, a company established in 2015, specializes in the transportation
of steel. JFL has consistently provided preferential credit support to the
让利降价 company. At the end of 2022, as C Logistics was preparing to expand its
Charge reduction and discounts business further, it faced challenges such as rising prices for raw materials
and oil which resulted in higher transportation costs and precarious cash
主动向货运物流客户让利降价。针对货运物流客户购置货车、船舶制订了差异化定价政策，2022 flow. Upon learning this, JFL promptly assessed the financial needs of C
年末相关项目定价同比下调 10-50BP。 Logistics and developed a customized relief plan within 24 hours, addressing
The Company implemented proactive measures to mitigate costs for freight and logistics clients, while the urgent needs of the company.
also devising tailored pricing strategies for customers procuring trucks and ships. As a result, charges
associated with relevant items at the end of 2022 were reduced by 10-50BP in comparison to those of
the previous year.
案例 高效服务，为航运企业开辟“蔚蓝通道”
精准纾困 Successful Efficient services foster the progress of shipping
Targeted assistance case
enterprise
公司精准纾困受偶发事项影响的客户，根据客户的资金需要，坚持分类施策、精准发力，差异化
实施老客户翻单、延期还本付息、减免罚息和征信保护等措施。
S 船务有限公司主营国内沿海散装货物运输和货物代理，是沿海地区冬
The Company took targeted measures to alleviate the financial burden experienced by its customers.
季煤炭输运供应“主力军”之一。2022 年初，S 船务公司新造船项目银
These measures are tailored to each customer's unique circumstances in terms of their pandemic-
行融资批复迟迟没有落实，很可能拖慢新船工程进度及交付使用，进而
related impact and financial requirements for regular business operations, encompassing refinancing
影响区域冬季的煤炭供应。江苏金租获悉 S 船务公司困境后，凭借多年
options for loyal customers, deferral of principal repayments and interest payments, exemption or
来在船舶领域的深耕，迅速提供了一份详尽的解决方案，并迅速推进后
reduction of penalty interest charges, as well as safeguarding credit ratings.
续审批工作，保障区域煤炭供应。
S Shipping Ltd. is specialized in domestic coastal bulk cargo transport and
freight agency services. The company is a key provider of coal transportation
加强考核
during winter months in coastal regions. In early 2022, the financing for S
Strengthened evaluation
Shipping's new ship construction project had not been granted, which could
have resulted in delays in building and delivering new ships, consequently
以支持货运物流保通保畅为目标，将与货运物流有关的重卡、船舶等板块投放指标纳入公司绩效
impacting the regional coal supply during the winter season. When informed
考核体系，发挥考核“指挥棒”作用。
of S Shipping's challenges, JFL, drawing on its extensive expertise in the
To facilitate freight and logistics business, the Company incorporated performance indicators for heavy-
maritime sector, promptly devised a thorough solution and accelerated the
duty vehicles, maritime vessels, and other relevant segments within the freight and logistics industry
following approval procedures to secure the regional coal supply.
into its evaluation framework. Such indicators played a leading role in directing evaluations.
「 专题 Special focus 」
着眼全球视野
加速国际化布局
Take a global perspective
and boost global presence
畅通国际合作机制
Cooperate with international manufacturers – establish mechanisms for
facilitating international cooperatio
务理念和专业人才，拓展国际厂商合作渠道，凭借高质效、全方位的服务体系以及多年累积的风
控经验，公司与厂商的合作粘度不断加深，合作模式不断迭代。2022年，公司与上百家世界500
强企业、国际龙头厂商建立了战略合作关系。
In 2014, JFL seized the opportunity of having France's BNP Paribas Leasing as one of its shareholders
依托我国超大规模市场优势，以国内大循环吸引全球资源要素，增强国内国际两个市场两种资源 and upgrade the business model of “leasing by manufactures”. The Company introduced international
联动效应，提升贸易投资合作质量和水平。稳步扩大规则、规制、管理、标准等制度型开放。推 business concepts and professional talents, and developed mechanisms for facilitating cooperation
动货物贸易优化升级，创新服务贸易发展机制，发展数字贸易，加快建设贸易强国。合理缩减外 with international manufacturers. Relying on its high-quality, comprehensive service systems and years
资准人负面清单，依法保护外商投资权益，营造市场化、法治化、国际化一流营商环境。 of risk control experience, the Company had closer, deeper, and constantly evolving cooperation with
Capitalize on China's enormous market strengths, draw worldwide resources via domestic economic manufacturers. By 2022, it had established strategic partnerships with more than a hundred of Fortune
circulation, enhance the synergistic effect between domestic and international markets, and improve 500 companies and leading international manufacturers.
the quality and level of trade and investment collaborations. Gradually broaden institutional openness
in domains such as policies, regulations, administration, and standards. Encourage the optimization and 未来，公司将与国际厂商不断扩大合作，帮助中国企业引进更多先进设备，积极探索一带一路国
advancement of merchandise trade, foster innovative mechanisms for service and trade development, 际市场。
nurture digital commerce, and hasten the construction of a strong trading nation. Prudently scale In the future, the Company is eager to expand its cooperation with international manufacturers, help
back the negative list for foreign investments, safeguard the legal rights and interests of international Chinese enterprises introduce more advanced equipment, and actively explore the international markets
investors, and cultivate a market-oriented, law-abiding, and globalized top business climate. along the Belt and Road.
全国代表大会上的报告
Xi Jinping's report at the 20th National Congress of the
Communist Party of China on October 16, 2022
案例
Successful
case
助力海洋强国新航程
Expand international business - empower maritime powers' new journeys
位于瑞士温特图尔的立达集团（RIETER）成立于 1795 年 , 是全球纺纱
机械市场领导者，占有全球 30% 以上的市场份额，在全球 10 个国家设
有 18 个生产基地。立达常州工厂已成为立达全球最大的生产基地，产
品辐射整个亚洲纺织市场。江苏金租于 2019 年起与立达建立合作，为
立达设备销售提供金融支持，是立达在华的第一大融资伙伴。 经济强国必定是海洋强国、航运强国。中国作为全球最大的贸易国，海运承担着90%以上的国际
Rieter Group has emerged as a worldwide frontrunner in the spinning 贸易，是中国联系世界的重要纽带，是服务全球贸易、服务高水平对外开放的重要支点。
machinery sector, boasting more than 30% of the international market share. A robust economy is intrinsically linked to maritime and shipping strength. As the world's largest trading
The company operates 18 manufacturing facilities across 10 nations. Rieter's nation, China depends on shipping for over 90% of its international trade. This sector serves as a crucial
Changzhou factory has become the company's largest production base connection to the world and a vital support for global commerce and high-level openness.
globally, serving the entire Asian textile market. JFL began cooperating with 公司立足新发展格局，积极开展跨境船舶租赁业务，支持国际航运业发展，助力国际国内“双循
Rieter in 2019, offering financial backing for the sales of Rieter's equipment 环”战略。
and becoming Rieter's principal financial partner in China. Aligned with the new development landscape, JFL actively pursues cross-border ship leasing, fostering
立达相关负责人表示，立达对中国纺织市场的蓬勃发展充满信心，希望 international shipping growth, and promoting the dual circulation strategy encompassing both
与江苏金租加强合作，为立达用户提高更丰富的金融方案，探索支持中 international and domestic markets.
国纺织企业走向东南亚、西亚等一带一路国家。
A representative of Rieter conveyed their optimism regarding the thriving
growth of China's textile industry and expressed a desire to reinforce their
cooperation with JFL. They aim to offer Rieter's clientele a wider range of
financial options and assist Chinese textile companies in expanding into
Southeast Asia, West Asia, and other regions along the Belt and Road.
安迈集团（AMMANN）始建于 1869 年，迄今已有 154 年历史，是沥
青拌和站、压路机、碎石机等道路工程机械领军企业。安迈在全球共有
代理商。江苏金租与安迈 2019 年开始合作，是安迈在华最大的金融合
作伙伴。
Founded in 1869, Ammann Group has a history of 154 years. It is a leading
enterprise in road construction machinery, including asphalt mixing plants,
rollers, and crushers. Ammann has 26 subsidiaries and 4 offices worldwide,
with over 200 dealers and agents in more than 100 countries. JFL began
cooperating with Ammann in 2019, becoming Ammann's principal financial
partner in China.
安迈认为，中国经济发展快速，基础建设市场潜力巨大，希望与江苏金
租优势互补，扩大合作，共同成为市场领军者。
Ammann perceives China's swift economic development and the substantial
potential in the infrastructure market. It aspires to synergize with JFL's
advantages, broaden their cooperation, and collectively emerge as industry
frontrunners.
I
案例 G公司是一家迪拜油船船东。为优化融资结构，降低财务成本，G公司以5艘45k-46kMR型
Successful 成品油船向国际船舶融资市场寻求融资。江苏金租在了解情况后，结合承租人的经营安
case 排和融资需求，为客户制定了专业、高效、定制化的融资方案，支持G公司的运力更新
和扩大。
发展历程 G Company, a Dubai-based oil tanker owner, sought to optimize its financing structure and minimize
Development milestones 江苏金租正式取得“在境内自贸区 financial costs by securing financing for five 45k-46k MR product oil tankers in the international ship
域设立项目公司开展融资租赁业
务以及为项目公司融资提供担保” 船队规模80艘，运力合计超300 financing market. Upon assessing the situation, JFL developed a professional, efficient, and customized
的资质，自此正式开展跨境船舶 万载重吨。船队中散货船数量占 financing plan for G Company, considering its operational arrangements and financing requirements,
租赁业务。 比58%，油船/化学品船数量占比
作为植根江苏、服务全国的金融 JFL officially acquired the qualifications to 34%，船队平均船龄7.11岁。 thereby supporting G Company's capacity renewal and expansion.
租赁公司，江苏金租投放了第一 "establish project companies in domestic The fleet expanded to 80 vessels,
单近海船舶融资项目。 free trade zones to conduct financing boasting a total capacity of over 3 million
lease business and provide guarantees deadweight tons. Bulk carriers and oil/
With its roots in Jiangsu and a nationwide for project companies' financing," thereby chemical tankers constituted 58% and
reach, JFL launched its inaugural coastal formally initiating its cross-border ship 34% respectively, and the average vessel
shipping financing project. leasing operations. age was 7.11 years.
江苏金租成立专门团队，探索跨 船队规模突破50艘，总运力突破
境船舶租赁项目的可行性，推动 180万载重吨。
航运业务从“近海”走向“深蓝”。 The fleet size surpassed 50 vessels,
JFL formed a dedicated team to explore with an aggregate transport capacity
the viability of cross-border ship leasing, exceeding 1.8 million deadweight tons.
propelling its shipping business from
coastal regions towards the oceans.
案例 A公司成立于香港，专注于中国到日韩、东南亚区域的国际集装箱班轮运输，建立了较
II Successful 为完善的东南亚航线和服务网络。A公司以其两艘由黄海造船厂新造的1800TEU集装箱船
case 向江苏金租提出融资申请。江苏金租联合中国出口信用保险公司，为A公司提供了专
业、高效、定制化的融资方案。两艘船舶都将投入到A公司新开辟的中国到澳洲的国际
Business highlights 班轮航线中，服务一带一路贸易。
业务亮点 A Company, based in Hong Kong, specializes in international container liner transportation from China
to Japan, South Korea, and Southeast Asia, establishing comprehensive Southeast Asian routes and
service networks. A Company applied for financing from JFL for two newly-built 1800 TEU container
与行业领先的境内外船东建立了友好合作关系，纯境外客户包括以色列船东、新加坡船东、迪 ships from Huanghai Shipyard. Collaborating with China Export & Credit Insurance Corporation, JFL
合作伙伴 拜船东、土耳其船东、挪威船东等。 offered A Company a professional, efficient, and customized financing plan. Both ships will be deployed
Partners JFL has fostered amicable cooperation with leading domestic and international shipowners, including on A Company's newly developed international liner route from China to Australia, serving the trade in
those from Israel, Singapore, Dubai, Turkey, and Norway. countries and regions along the Belt and Road.
落地首单美元新造船经营性租赁项目，落地2艘21万吨LNG动力双燃料纽卡斯尔型散货船租赁
业务创新
项目。
Business
JFL executed the first US dollar-denominated new ship operating lease project and a leasing project
innovation
for two 210,000-ton LNG dual-fuel Newcastle bulk carriers.
市场影响
The Company won China Maritime Finance “Qianxing Cup - Development Award” twice, in 2021 and 2022,
Market impact
respectively.
III
推进国际融资——引入多元融资工作
Advance international financing - introduce diversified
financing initiatives
Seek more partners for USD financing and innovate SPV financing methods
年，公司成功落地首笔船舶项目贷款，引入1829万美元资金。
In 2022, JFL established USD financing partnerships with multiple domestic and foreign banks , raising a
total of $256 million. In 2022, JFL successfully granting a loan for its first ship project by securing a sum
of $18.29 million.
Promote international rating work
为树立公司良好国际形象、提高公司竞争力、扩大海外融资租赁市场， 2022年，公司快速推进
国际评级工作，与多家券商及银行机构加强沟通交流，为发行境外债券做好准备。
To establish a good international image, enhance competitiveness, and expand the overseas financing
and leasing market, JFL rapidly advanced its international credit rating work in 2022. The Company
strengthened communication with a number of securities firms and banks, preparing for the issuance
of overseas bonds.
Apply for derivatives trading qualification and establish USD liquidity management tools
随着境外船舶融资租赁业务的稳步发展，公司的美元负债和美元收入也在同步增长。为做好美元
的流动性管理，公司积极与监管部门沟通申请衍生品交易资质事宜。
With the steady development of offshore ship finance leasing business, the Company's USD liabilities
and USD revenue are also growing synchronously. In order to properly manage the liquidity of USD, the
Company actively communicates with the regulatory authorities about applying for derivatives trading
qualification.
「 专题 Special focus 」
深化科技赋能
融合业务发展
Deepen technology empowerment and
integrate business development
十大“乐租”金融科技产品
Adopt a customer-centric approach, and develop ten “Leasing”
series fintech products
金融科技作为技术驱动的金融创新，是深化金融供给侧结构性改革、增强金融服务实体经济能力 成就渠道 赋能员工
的重要引擎。数字经济的蓬勃兴起为金融创新发展构筑广阔舞台，数字技术的快速演进为金融数 Support 渠道营销伙伴，掌上融资专家 Empower
Channel marketing partners, mobile 移
字化转型注入充沛活力，金融科技逐步迈入高质量发展的新阶段。 channels 销
售
A m 动拓 employees
理 and financing expert o 客
As a technology-driven financial innovation, financial technology (fintech) is an important engine for 管
下 ort nt cu bile 展
向 supp eme sto ap 业
deepening the structural reform of the financial supply side and enhancing the ability of financial ， g me plic ，企
资 ng na r at
融 anci s ma an s and ion h 业生
services to serve the real economy. The vigorous rise of the digital economy has built a broad stage 接 fin ale da exp elp
对 life in 活助
for the development of financial innovation, while the rapid evolution of digital technology has injected 上 ream am s a
ass nd b g de 理
向 pst tre ist usi velo
U s an ne
abundant vitality into the financial digital transformation. Fintech has gradually entered a new stage of wn t ss, p
do Hi 乐租
high-quality development. Hi Leasing
Mo 掌
租 ing
cing, 动办理
bil 乐租
万物 ct all thi
乐 Leas
proc oughout matic
eL
Conn ment full
融 ial ea
equip
数据
auto
c sin
the
an
e
线自
i n APP g
F
互联
，全
中国人民银行《金融科技发展规划 (2022-2025 年 )》 B AP
WE P
es
proc ory finan
Sma
sing
，设 data, wi
ngs w er contro
edur
g thr
Fintech Development Plan (2022-2025) of the People's
Rapid 存融资
y und
智管
Inve 库乐租
y Lea
rt Io
备全
ith
essin
Bank of China
t
inven
库
T Ma
万物 ager E-f 提乐租
面掌
ntor
WEB
极速
WEB
控
n
th
l
十 大
乐租 g Mall
小程 t
序
流量
e
电
私域 nd
Elect 档整合，
ile
A l
WEB
商城
p
a
one- documen
子
p
乐租系列产品
sales
E
上直 ne direct ic
r
文
o
x
raff
in
stop
n
t
i
racto
Leas
c
ate t
造
ra
打
p
Empo reate priv
r
i
销，
d extra ration,
赋能 wer onli
一
WeChat official account
t inte
站
公众号 Ca
ction
ing r
c
快速
车 Fina
g
as
线
e
L 租 金 nce
Su 乐
提取
融
苏
Cloud Leasing
云乐租 int
er el
b utl t, 车 Vehi ligen assis
随着大数据、云计算、人工智能等前沿技术的广泛应用，企业的数字化转型产生新的趋势。江苏 ing tan
nc ssis 资管
家 辆 cle
设
tc
u tan
a 备 and e stom t
金租积极拥抱金融科技，全面优化产品方案和技术架构，致力于为客户提供定制化的金融产品、 f i n ga 融 租
nt cin 慧 赁 quipm er se
lige inan 智 ，
高效便捷的服务体验和安全可靠的信息保护。 智 ent rvice
e l
int line f 手， 能 lea
With the wide application of big data, cloud computing, artificial intelligence and other cutting-edge On 资助 客 se,
服
融 industry leasing expert 助
technologies, the digital transformation of enterprises has generated a new trend. JFL actively embraces
线 手
在 Industrial equipment financing,
fintech, comprehensively optimizes its product solutions and technical structure, and is committed to 工业设备融资，行业租赁专家 服务客户
providing customers with customized financial products, efficient and convenient service experience, Service
and safe and reliable information protection. customers
I
Hi 乐租、融乐租 — 成就渠道
Hi Leasing and Financial Leasing — Support channels
署、用户管理等功能，为超过1500家渠道商、1万名销售人员提供在线服务。
Automatic decision-making – accelerate loan disbursement for customers, and complete
In 2022, the Company optimized transaction application, transaction approval, contract signing, user
approval procedures in seconds
management and other functions on the "HiLeasing" mobile App and the "Financial Leasing" web App,
providing online services to over 1,500 distributors and 10,000 salespersons.
馈的时效提升至秒级，建立涵盖申报、审批、投放、风控等在内的流水线作业方式，实现7*24小
时秒级审批。
In 2022, the Company improved the efficiency of financing applications from submission to decision
Tailor to the needs of each user - the multi-dimensional customization approach improves "HiLeasing" and "Financial Leasing". This was achieved by establishing a pipeline operation mode that
channel financing efficiency covers application, approval, disbursement, risk control, and other aspects. As a result, 7*24-hour sec-
level approval can be achieved.
公司厂商经销商分布在几十个细分行业，不同行业的系统使用需求和操作习惯各异。
The manufacturers and distributors served by the Company are spread across several dozen niche 2022年，公司自动决策模型覆盖清洁能源、绿色交通等领域，为个人客户授信超4万笔，投放金
industries, each with different system usage requirements and habits. 额超50亿元，平均审核放款时间压缩至55秒。
In the same year, the Company's automated decision-making model covered areas such as clean energy
洞察合作厂商经销商的核心需求，整合多维数据构建渠道标签图书馆，确保每一个厂商使用的功 and green transportation, resulting in over 40,000 credit approvals for individual customers, with a total
能和界面都支持个性化快速定制。 loan amount exceeding CNY 5 billion and an average approval and disbursement time of only 55 seconds.
To meet their core needs, the Company has integrated multi-dimensional data and built a library of
channel tags, ensuring that every manufacturer's functions and interfaces are personalized and can be
quickly customized.
为渠道服务系统构建低代码配置平台，快速响应需求、快速输出产品、快速发布更新，让合作厂
个人客户授信超 投放金额超 平均审核放款时间
商经销商用的舒心。
Additionally, a low-code configuration platform has been developed for the channel service system,
enabling rapid response to demands, swift product output, and quick release of updates, resulting in a 笔 亿元 秒
comfortable user experience for all manufacturers and distributors.
II III
乐租商城 — 成就渠道 苏乐租、云乐租、车金融 — 服务客户
Leasing Mall — Support channels Su Leasing, Cloud Leasing and Car Finance - Service customers
私域运营——创新厂商融合体系，赋能厂商互联网直销
Private-domain operation – innovative manufacturer integration system facilitates
manufacturers to conduct direct sales on the Internet
In 2022, the Company launched a new WeChat applet called “Leasing Mall", which empowers 2022年，公司在“苏乐租”“云乐租”“车金融”微信服务号发布了“我要还款、设备监控、多渠道划
manufacturers to expand their business online. 扣授权、全面电子签约”等功能，并构建用户画像，向客户进行定向推送融资服务。
In 2022, the Company launched functions such as "repayment, equipment monitoring, multi-channel
payment authorization, and comprehensive electronic contract signing" on the WeChat service accounts
of “SuLeasing", "Cloud Leasing", and "Car Finance". The Company also created user profiles and pushes
targeted financing services to its customers.
自主上架在售设备
自主装潢线上商店
独立选配全款／分期采购方案
自动采集客户信息
自主运营私域客户流量
User profiles - Scientifically construct user profiles to tailor financing solutions to specific
customer groups
为加强对小微企业的金融服务力度，我们使用“自动+人工”的方式为客户构建出360°用户画像。
根据画像结果，为不同行业的小微客群打造量身定制的融资方案。
To strengthen financial services for small and micro enterprises, we use an "automatic + manual"
approach to construct 360° user profiles for our customers. Based on the generated profiles, we tailor
financing solutions to small and micro customer groups in different industries.
“一证一卡”“通乐租”“创租集”等灵活、快速的零售产品
flexible and fast retail products such as "One Card
案例 赋能渠道互联网直销——帮助渠道商开拓互联网通道 and One License", “Tong Le Zu", and “Chuang Zu Ji"
Successful Empower Internet direct sales - help distributors open Internet channels
case
日本著名印刷设备制造厂商S公司生产的MBO折页机设备单价小、客户群体全国分散。通过接入
公司乐租商城小程序，S公司将胶印机产品发布到商城，客户可以通过小程序进行设备对比及选 清洁能源 工业装备 工程机械 农业机械 信息科技
including clean industrial construction agricultural information
购，还可在线申请融资并测算还款分期方案，极大提升了S公司的互联网营销能力。 energy equipment machinery machinery technology
The well-known Japanese printing equipment manufacturer S Company produces MBO folding machines
with a low unit price and a nationwide dispersed customer base. By applying JFL's “Leasing Mall", S
Company listed its offset machines on the platform. Customers can compare and purchase equipment
through the applet, apply for financing online, and calculate instalment plans. The applet greatly 60多个细分市场
improves S Company's internet marketing capabilities. More Than 60 Segmented Markets
Automatic collection and payment - iterate collection and payment service systems to 3 电子签约——完善全场景电子签，保障客户签约过程安全可信
Electronic contract signing – improve electronic contract signing in all scenarios to ensure
meet customers' personalized funding needs the safety and credibility of customers’ signing process
我们通过“苏乐租”、“云乐租”、“车金融”微信服务号为客户提供了快捷便利的收付服务体系。 2022年，公司在“苏乐租”“云乐租”“车金融”产品中不断完善电子签约体系，已提供覆盖全场景全
We provide customers with convenient collection and payment service systems through our WeChat 流程的快捷签约体验。
service accounts of "SuLeasing", "Cloud Leasing", and "Car Finance". In 2022, the Company continuously improved the electronic contracting system in “SuLeasing", "Cloud
加方便。 scenarios and processes.
In 2022, the number of banks supporting automatic payment increased to 5, with the addition of Postal 公司提供了审核材料、变更合同、决议、各类协议等项目全流程材料的电子签。覆盖了企业和个
Savings Bank of China and Bank of Communications, making it easier for customers to repay their loans. 人多类型主体签约，承租方、担保方和关联方多方签约等多样场景。
The Company provides electronic signing for the entire process of material review, contract changes,
In June 2022, "SuLeasing" connected to our self-developed automatic lending approval system, enabling and individuals, and various scenarios involving multiple parties such as tenants, guarantors, and related
签订电子合同（含变更合同）约
案例
Successful
case
数字人民币——多元化的支付体系
Digital RMB - A diverse payment system
供两百万资金支持。
In December 2022, the Company successfully disbursed its first loan using digital RMB, providing RMB
two million in funding to Suzhou Goodmolds Optics Co., Ltd., a small and medium-sized enterprise.
数字人民币由于其安全性、可追溯性、交易灵活等特点，能为用户提供更安全、更快捷、低成本
的支付体验。公司响应国家号召，率先使用数字人民币，积极参与国家数字货币实践。
Digital RMB, with its features of security, traceability, and flexible transactions, can provide users with
a safer, faster, and low-cost payment experience. The Company responds to the national call and is
actively participating in the practice of digital currency.
IV
目前，公司已对船光车工4大设备市场、17大细分设备领域、超十万台设备实现实时监控分析，
形成船易行、光易测、工易感、车易查四大设备监控平台。
The Company has implemented real-time monitoring and analysis of over 100,000 devices for 17
specific equipment areas in four major equipment markets (ships, PV systems, vehicles, and industrial
提乐租 — 服务客户 equipment), resulting in the development of four equipment monitoring platforms: “Easy Ship
E-file Extractor — Service customers Monitoring”, "Easy PV Monitoring”, “Easy Industrial Equipment Monitoring" and “Easy Vehicle Monitoring”.
In 2022, the Company upgraded its E-file Extractor platform to advocate paperless practices and
facilitate customers' quick access to files.
公司构建了“WEB+微信小程序”相结合的系统架构，客户能够通过手机或电脑一站获取企业各类
电子文档，安全且高效。
The Company has built a system architecture that combines "WEB+WeChat applet" to electronically
transform files of the entire business process, Customers can obtain various electronic files through
their mobile phones or computers safely and efficiently.
合同
决议
协议
资信材料
发票
收据
保单
催收函
告知函
结清函
……
VI
掌乐租 — 赋能员工
V Mobile Leasing — Empower employees
掌乐租APP作为内部员工的生产生活小助手，上线了众多实用场景化服务。通过与核心业务系
智管万物 — 赋能员工
统、中登查询系统、企业预警系统、客户管理系统、核心业务系统、行政办公系统、征信查询系
Smart IoT Manager — Empower employees 统、数据服务平台等多系统底层打通，为员工提供便捷高效的移动化服务。
As a production and life assistant for JFL’s employees, the Mobile Leasing (Zhang Le Zu) app has
万物互联——构建智管万物平台，为客户提供精细化设备管理服务 launched many practical scenario-based services. By integrating multiple underlying systems such as
Interconnection of all things – develop Smart IoT Manager to provide refined equipment core business system, central registration query system, enterprise early warning system, customer
management services for customers management system, administrative work system, credit inquiry system, and data service platforms, it
provides employees with convenient and efficient mobile services.
程管理服务。 进、客户付款号、入账查询、到账详情等业务功能。
In 2022, the Company partnered with a number of equipment manufacturers to develop Smart In 2022, Mobile Leasing comprehensively updated business functions such as travel management,
IoT Manager, which is an IoT system offering customers more comprehensive remote equipment customer management, follow-up reports, customer transfer, footprints map, electronic signing follow-
management services. up, customer payment number, income query, and details of received payments.
Implement comprehensive measures to establish a security shield
II
保障公司信息安全
Protect company information security
I 2022年，全面建成信息安全运行指挥与控制中心，对硬件、软件、数据、网络进行全方位、多
层次、宽领域动态实时监控，做到了：秒级、实时预警。构建了安全管理集中控制、安全事件快
速响应、高可信的安全防护体系。实现“从局部安全提升为全局安全，从单点预警提升为协同预
聚焦客户隐私安全 警”的升级。真正做到“安全态势可感知、安全威胁可预警、异常行为可监控、安全价值可呈现”
Focus on the protection of 的全面网络安全保障体系。
customers’ privacy and security In 2022, the Company completed the construction of an information security operations command
and control center, which provides full-scale, multi-level, wide-area dynamic real-time monitoring of
hardware, software, data, and networks. It achieves sec-level, real-time early warning. The Company has
built a centralized control system for security management, a rapid response system for security events,
公司把保护客户信息安全作为信息安全的重中之重，积极落实《中华人民共和国网络安全法》《中 and a highly trusted security protection system. It upgraded from local security to global security, from
华人民共和国个人信息保护法》等国家法律法规和金融行业标准，不断地更新和升级安全技术手 single-point early warning to collaborative early warning, and truly achieves a comprehensive network
段，提高保护客户隐私安全的能力。 security protection system that can “perceives security situation, predicts security threats, monitors
The Company regards the protection of customer information as a top priority for information security. abnormal behaviors, and presents security values”.
It actively implements national laws and regulations, such as the Cybersecurity Law of the People's
Republic of China and the Personal Information Protection Law of the People's Republic of China, as 态势感知系统
well as standards of the financial industry. The Company constantly updates and upgrades its security
technology to improve its ability to protect customers’ privacy and security.
一是明确隐私政策，从公众号、小程序、APP 二是采用完备的信息技术手段予以保护客户的
等多种渠道收集客户信息时，详尽告知采集用 信息安全和隐私信息，包括多因素认证、签名
户信息的范围、用途，并采用国密算法加密保 验签、数据水印技术等各类安全技术手段。有
护和脱敏技术手段，确保用户隐私信息采集、 效防止未经授权的访问和篡改，确保客户的信
传输、回显、存储安全，最大程度保护用户隐 息安全。公司所有“乐租”产品均通过国家信息
私信息的安全。 安全等级保护三级认证。
Firstly, the Company clearly defines its privacy Secondly, the Company adopts comprehensive
policy. When collecting customer information information technology measures to protect
from various channels such as WeChat official security and privacy of customer information,
accounts, applets, and apps, it provides detailed including multi-factor authentication, signature
information about the scope and purpose of verification, data watermarking, and other
collecting user information. The Company also security technology measures. These measures
uses national cryptography algorithms to encrypt effectively prevent unauthorized access and
and protect user privacy information and adopts tampering, ensuring customer information
data desensitization techniques to ensure that security. All “Leasing (Le Zu)" products of the
user privacy information is collected, transmitted, Company have passed the Level 3 Protection
displayed, and stored securely, thus ensuring certification of the National Information Security
maximum protection of user privacy information. Level Protection System.
III 意见反馈表
Feedback form
确保信息系统自主可控
Ensure that information systems are
autonomous and controllable 1 对江苏金租来说，您的身份是？
What is your relationship with JFL?
□员工 / Employee □客户 / Customer □厂商经销商 /Manufacturer/distributor
公司坚持自主研发关键信息系统，不断提高信息安全自主可控水平。
□监管机构 / Regulatory authority □其他政府部门 / Other government department
The Company insists on independent research and development of key information systems to
continuously improve the level of independent and controllable information security. □媒体 / Media □ NGO
□其他 ( 请注明 )/ Other (please specify):
截至2022年末，公司自主开发了54个业务和管理系统，获得了27套国家版权局软件著作权证
书，申请了18件发明专利，构筑了行业领先的自主研发体系。
As of the end of 2022, the Company has independently developed 54 business systems, obtained 27 2 您对本报告的总体评价如何
How would you rate the overall quality of this report?
software copyrights, applied for 18 invention patents. JFL has built an industry-leading independent
□非常好 / Excellent □较好 / Good □一般 ?较差 / Average ? Poor
research and development system.
□非常差 / Very poor □不清楚 / Not sure
业务和管理系统 软件著作权证书 专利申请 3 您认为本报告是否能够反映江苏金租对经济、社会、环境的重大影响程度？
Do you think this report reflects the significant impact of JFL on the economy, society, and environment?
□能 / Yes □一般 / Somewhat □不能 / No □不清楚 / Not sure
套 套 件
Do you think this report responds to and discloses information related to the concerns of stakeholders?
□能 / Yes □一般 / Somewhat □不能 / No □不清楚 / Not sure
How complete do you find the information, indicators, and data disclosed in this report?
□非常完整 Extremely complete □完整 Complete □一般 Average
□较完整 Somewhat □不清楚 Not sure
Please feel free to share any other comments or suggestions regarding JFL's social responsibility work and this report:
扫描二维码，提出您对本报告的宝贵意见和建议！
Please scan the QR code to provide your valuable feedback and suggestions on this report!
首页
微信公众号
证券之星APP
