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《Journal of Jilin Financial Research》 2017-10
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Research on the Coupling Model of Internet of Things and Financing Lease

LU Minfeng;WU Jianping;  
The development of Internet of things has risen to the national level in recent years. The deep coupling of Internet of things technology and financing lease industry has become an effective path for the innovation and development of financing lease industry. Although from the point of view of the number of enterprises, the total assets and operating income, China's financing lease industry has achieved great leap forward development, it is still not out of the "shadow banking" primary business model. From the management point of view, based on the financing lease business process, this paper puts forward three kinds of coupling models of Internet of things and financing lease based on the Internet of things technology: financing lease equipment procurement, quality tracking and maintenance supporting. On the basis of analyzing the three major pain points of the coupling of Internet of things and finance lease, there are the bottleneck of technology, the imperfect legal system and the lack of social cognition, this paper points out that it faces three challenges: Internet of things technology, legal system and social cognition. On the basis of the above, this paper puts forward the path of their deep coupling: breaking Internet of things finance lease technical bottlenecks, improving networking mechanism, macro finance lease financing lease things to increase promotional efforts and strengthening the "technology + financial" compound talents cultivation.
【Fund】: 江苏省互联网金融协会省级项目“成长链金融+金融科技创新”(项目编号:FRB2017006)
【CateGory Index】: F832.49;TN929.5;TP391.44
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