江苏金租(600901)_公司公告_江苏金租：2024年度环境、社会及治理(ESG)报告(中英版)_公司公告

江苏金租：2024年度环境、社会及治理(ESG)报告(中英版)（下载公告）
公告日期:2025-04-26
环境、社会及治理（ESG）报告做一家有温度的金融租赁公司年度2024 目录江苏金租｜｜重要性议题分析Analysis of material topics关于本报告About the report 走进江苏金租About JFL 心怀绿意守护生态环境Green Development – Protecting the Environment Chapter III 践行绿色金融Green ?nance practices 开展绿色融资Green ?nancing高效能源利用E?cient energy utilization 共享共赢建设和谐社会Shared Success – Building a Harmonious Society合作共赢Win-win cooperation 员工Employees 消费者权益保护Protect rights and interests ofconsumers 慈善公益Charity and commonweal activities 投资回报Investment return Chapter IV 乙巳不惑半步领先Celebrate the 40th anniversary of foundation andmaintain half a step ahead 栉风沐雨砥砺前行Braving the wind and rain and forgingahead 凝聚智慧继往开来Gathering wisdom, carrying the legacyforward and forging ahead into thefuture40年，40个感动瞬间40 years, 40 touching moments Special topic 主动作为服务新质生产力Proactive Actions - Supporting the Development of New-quality Productivity 响应国家政策服务实体经济Response to national policies, servingthe real economy 平等对待小微企业践行普惠金融Equal treatment of small and microenterprises and inclusive ?nancepractice升级数字金融赋能业务发展Upgrading digital ?nance to empowerbusiness growth Chapter II ESG管理ESG management 反商业贿赂及反贪污Anti-commercial bribery andanti-corruption 规范运营Standardized operation 反洗钱Anti-money laundering 金融风险防范Financial risk prevention Chapter I 目录contents P92 P122P16 P158P50 守正合规深化公司治理Integrity & Compliance – Deepening Corporate Governance 关于本报告江苏金租｜｜《江苏金融租赁股份有限公司2024年度环境、社会及公司治理（ESG）报告》（以下简称“ESG报告”“本报告”）是江苏金融租赁股份有限公司披露的第八份社会责任报告。报告披露了江苏金融租赁股份有限公司2024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，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。The “2024 Environmental, Social and Governance (ESG) Report of Jiangsu FinancialLeasing Co., Ltd.” (hereinafter referred to as the “ESG Report” or “this Report”) is theeighth social responsibility report disclosed by Jiangsu Financial Leasing Co., Ltd.This Report reveals the Company’s main practices and achievements in economic,environmental, social, and corporate governance responsibilities during 2024,aiming to address the expectations and concerns of stakeholders and to promotethe continuous improvement of the Company’s ESG performance.2024年1月1日至2024年12月31日，为增强报告可比性及前瞻性，部分信息往前后年度适度延伸。The reporting period spans from January 1, 2024 to December 31, 2024. To augmentthe report's comparability and foster a forward-looking perspective, some contentmoderately extends to encompass prior and subsequent years.本报告发布周期为一年一次，与公司年度报告发布周期一致。ESG report is issued once a year, in line with the release cycle of the Company’sannual report.江苏金融租赁股份有限公司简称为“江苏金租”“公司”或“我们”。Jiangsu Financial Leasing Co., Ltd. is referred to as “JFL”, “the Company” or “we”.江苏法巴农科设备金融租赁有限公司简称为“江苏法巴金租”或“子公司”。JFL BNP Paribas Agriculture and Technology Financial Leasing Co., Ltd. is referred toas “FBFL” or “Subsidiary”.本报告所引用的财务数据主要来自经审计的2024年度财务报告，其他数据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 auditedfinancial statements for the year 2024, while other data are derived from theCompany’s internal systems or manual collation. The statistical methods used forthe data disclosed in this report are consistent with those of previous years. Anychanges in statistical methods or calculation basis will be explained.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。Unless otherwise specified, all monetary figures and amounts mentioned in thisreport are denominated in RMB. 原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 theChina Banking and Insurance Regulatory Commission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 bythe 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14号?可持续发展报告（试行）》No. 14 Guidelines for Self-regulation and Governance of Listed Companies on theShanghai Stock Exchange - Sustainable Development Report (Trial)香港联合交易所《环境、社会及管治报告指引》Environmental, Social and Governance Reporting Guide issued by Stock Exchangeof Hong Kong中国社会科学院《中国企业社会责任报告指南(CASS-ESG5.0)》China Corporate Social Responsibility Reporting Guide (CASS-ESG 5.0) issued byChina 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 Initiative (GRI)本公司董事会保证，本报告中所披露的信息、数据真实可靠，不存在任何虚假记载或误导性陈述。The Board of Directors of the Company warrants that the information and datadisclosed in this report are true and reliable and free from any false records ormisleading statements.本报告以印刷版（采用环保纸印刷）和网络版两种形式发布，网络版可在公司网站（https://www.jsleasing.cn/）查阅。This report is available in both print (printed on eco-friendly paper) and digitalformats. The digital version can be accessed on the Company's website (https://www.jsleasing.cn/).本报告以中文、英文、法文三种语言发布，当不同语言文本在理解上出现歧义时，请以中文文本的内容为准。This Report is presented in Chinese, English, and French. In the event of anyambiguity in interpretation among the different language versions, the Chineseversion shall prevail. 报告说明Report description 报告范围Report scope 编制依据Preparation basis 可靠性保证Reliability assurance 发布形式Publication forms 称谓说明Terminology explanation 数据说明Data description 报告发布周期Report release cycle 关于本报告About the report 走进江苏金租江苏金租｜｜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，是经原中国银行保险监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目前唯一一家登陆A股的金融租赁公司。Founded in June 1985, Jiangsu Financial Leasing Co., Ltd. (stock code: 600901.SH) is a non-banking financial institution approved by theformer China Banking and Insurance Regulatory Commission to conductfinancial leasing business. Since its listing on the Shanghai StockExchange in 2018, the Company has become the first and the onlyfinancial leasing company listed on China's A-share market.多年来，公司秉承“专业化、差异化”市场定位，坚持“服务中小、服务三农、服务民生”的理念，结合国际、国内租赁实践经验，聚焦绿色能源、交通运输、高端装备等十大板块100多个细分领域，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 marketpositioning of “specialization and differentiation," maintaining a focuson "serving small and medium-sized enterprises, agriculture, rural areasand rural people, and people's livelihoods." By integrating internationaland domestic leasing expertise, the Company extends its reach into morethan 100 sub-sectors in ten sectors such as green energy, transportationand high-end equipment, delivering professional and featured financingleasing services to hundreds of thousands of businesses and individuals. 公司简介Company pro?le 01 公司概况Overview 02 主要业务领域Major business areas 清洁能源Clean Energy 交通运输Transportation 工程装备EngineeringEquipment 农业装备AgriculturalEquipment工业装备IndustrialEquipment 科学技术Science AndTechnology现代服务Modern Services节能环保Energy ConservationAnd Environmental Protection 医疗健康Medical Health 民生保障Livelihood Security 走进江苏金租About JFL 1985 成立于Founded 600901.SH股票代码stock code 2018挂牌上市listing 走进江苏金租江苏金租｜｜股东大会Shareholders' General Meeting 董事会Board of Directors 经营层Management Team 监事会Board of Supervisors 战略委员会Strategy Committee风险管理与消费者权益保护委员会Committee of Risk Management andConsumer Rights & Interests Protection提名与薪酬委员会Nomination and RemunerationCommittee审计委员会Board of Auditors关联交易控制委员会Related Party Transaction ControlCommittee 社会评价Social evaluation 03 组织架构 Organizational structure 01 行业地位 Industry status 纪检监督室DisciplineInspection andSupervision O?ce 授信评审部Credit ReviewDepartment 小企业金融一部Small BusinessFinance Department I 大健康事业部Holistic HealthDivision 人力资源部Human ResourcesDepartment 风险管理部Risk Management Department 航运金融事业部Shipping FinanceDivision 民生金融事业部People'sWellbeing FinanceDepartment 办公室/董办O?ce/O?ce of theBoard of Directors 信息科技部 Information Technology Department 控股子公司Holding subsidiary江苏法巴农科设备金融租赁有限公司JFL BNP Paribas Financial Leasing Co., LTD 清洁能源二部Clean EnergyDepartment II 财务部FinanceDepartment 金融同业部Financial InterbankDepartment 汽车金融事业部Auto FinanceDivision 清洁能源一部Clean EnergyDepartment I 资产管理部Asset Management Department 产业金融事业部Industrial FinanceDivision 工程机械事业部ConstructionMachinery Division 审计部AuditDepartment 法律事务部Legal A?airsDepartment 小企业金融二部Small BusinessFinance Department II 高端装备事业部High-EndEquipment Division 持股55% 穆迪国际评级结果Baa2Moody’s international rating: Baa2 参加第五次全国金融工作会议（租赁行业唯一代表）Sole representative of the leasingindustry at the 5th National Financial Work Conference 中国上市公司协会理事单位Council member of the ChinaAssociation for Public Companies 唯一主板上市的金融租赁公司The only financial leasing companylisted on the main board 中国银行业协会金融租赁专业委员会副主任单位Deputy chair unit of the FinancialLeasing Committee of the ChinaBanking Association 中诚信国际信用评级有限责任公司主体信用等级AAAAAA issuer credit rating by ChinaChengxin International Credit Rating Co., Ltd. 全国文明单位National civilized unit国内最早成立的金融租赁公司之一One of the earliest financial leasing companies in China 惠誉国际评级结果BBB+Fitch international rating: BBB+ 走进江苏金租江苏金租｜1110｜奖项名称Award 颁发单位Granted by 颁发单位Granted by 奖项名称Award 治理奖项Governance awards 科技奖项Technology awards 业务奖项Business awards 品牌奖项Brand awards 03 2024年主要奖项荣誉 Major awards in 2024 02 业务突破 Business breakthroughs 第一家进入银行间同业拆借市场The first company to enter the interbank lendingmarket 第一批获准发行金融债券One of the first companies permitted toissue financial bonds第一家获准吸收股东存款The first company to receive authorization forreceiving shareholders’ deposits 第一批获准开展资产证券化业务One of the first companies permitted toengage in asset securitization business第一家获准向商业银行转让应收融资租赁款The first company to receive authorizationfor transferring financing lease receivables tocommercial banks 发行境内第一单国际气候债券标准认证的绿色债券The issuer of the first green bond in China,certified under the International ClimateBond Standard第一家使用租赁资产支持引入保险资金The first company to use leased assets tosupport the introduction of insurance funds 设立第一家中外合资、专业服务农业和科技行业的子公司The founder of the first Sino-foreign jointventure subsidiary dedicated to serving theagriculture and technology industries ○“上证·金质量”奖公司治理奖“SSE·Golden Quality Award” for corporate governance ●上海证券报Shanghai Securities News○江苏高质量发展标杆企业Jiangsu High-quality Development BenchmarkEnterprise ●苏商精英大会评审委员会Evaluation Committee of Jiangsu EliteBusiness Conference ○ 江苏企业社会责任典范Model Jiangsu Enterprise for Social Responsibility ●江苏财经年会评审委员会Evaluation Committee of Annul JiangsuFinance and Economics Meeting○ESG金茉莉奖ESG Golden Jasmine Award ●江苏资本市场峰会组委会Organizing Committee of JiangsuCapital Market Summit ○“腾飞奖”最具影响力金融租赁公司“Ascendance Awards” - The Most Influential FinancialLeasing Company ● 全球租赁业竞争力论坛Global Leasing IndustryCompetitiveness Forum○“中国融资租赁榜”年度公司China Financial Leasing Ranking - Company of theYear ●中国外商投资企业协会China Association of Enterprises withForeign Investment ○ 中国企业家博鳌论坛金融资本分论坛卓越普惠金融案例Boao Forum for Entrepreneurs - Financial Capital Sub-Forum - Excellent Inclusive Finance Case ●经济参考报Economic Information Daily ○金泉奖·年度最佳绿色低碳资本市场创新融资奖Jinquan Award: Annual Best Green Low-CarbonCapital Market Innovation Financing Award ●上海证券报、上海市融资租赁行业协会Shanghai Securities News, ShanghaiFinancial Leasing Industry Association○卓越竞争力普惠金融践行金融机构Exceptional Financial Institution ImplementingInclusive Finance with Competitive Excellence ●中国经营报China Business Journal○金蝉奖“年度上市公司杰出品牌”Golden Cicada Award - “Outstanding Listed CompanyBrand of the Year” ●华夏时报China Times○海事金融交易大奖The Leasing Deal of the Year ●《Marine Money》○创新汽车金融租赁公司奖Innovative Automotive Financial Leasing CompanyAward ●中国国际贸易促进委员会China Council for the Promotion ofInternational Trade ○ 助力乡村振兴奖Rural Revitalization Support Award ● 人民网People.cn○江苏金融业网络安全技能竞赛团队优秀奖Jiangsu Financial Industry Cybersecurity SkillsCompetition - Team Excellence Award ●江苏金融监管局Jiangsu Branch of the NationalFinancial Regulatory Administration○智能创新实验室优秀课题科技创新成果奖Science and Technology Innovation AchievementAward of Intelligent Innovation Laboratory ExcellentResearch Projects ●江苏金融监管局Jiangsu Branch of the NationalFinancial Regulatory Administration○数据治理EAST监管报送优秀组织单位Excellent Organization for EAST RegulatoryReporting in Data Governance ●江苏金融监管局Jiangsu Branch of the NationalFinancial Regulatory Administration○ISO27001管理体系认证ISO27001 Management System Certification ●CCRC（中国网络安全审查技术与认证中心）China Cybersecurity Review Technologyand Certification Center (CCRC)○CMMI3证书CMMI3 Certificate ●CMMI Institute○江苏省知识产权贯标认证Jiangsu Intellectual Property Implementing StandardCerti?cation ●国家知识产权局China National Intellectual PropertyAdministration 重要性议题分析江苏金租｜1312｜ 2024年，江苏金租开展重要性议题调研与分析工作，更好促进利益相关方诉求与公司可持续发展有效融合。In 2024, JFL conducted material topic research and analysis to better integrate stakeholder demands withthe Company’s sustainable development. 重要性议题分析Analysis of material topics 结合国家战略及政策要求，对标《上海证券交易所上市公司自律监管指引第14号?可持续发展报告（试行）》、ESG国际规范（GRI Standards、联合国《可持续发展目标（SDGs）》等）、国际评级标准（明晟MSCI评级、标普CSA评级等）及有关倡议要求，综合行业特征、社会热点、公司发展战略、同业优秀实践等因素，识别相关议题，建立公司ESG重要性议题库。In alignment with national strategies and policies, and based on the No. 14 Guidelines for Self-regulationand Governance of Listed Companies on the Shanghai Stock Exchange - Sustainable Development Report(Trial), international ESG norms (GRI Standards, United Nations Sustainable Development Goals (SDGs),etc.), international rating standards (MSCI ratings, S&P CSA ratings, etc.) and related initiatives, and byconsidering industry characteristics, social hotspots, the Company’s development strategies, and excellentpractices from peers, relevant topics were identified to establish the Company’s ESG material topicdatabase. 基于公司ESG重要性议题库，通过利益相关方调研、人员访谈、专家研判、外部咨询等方式，评估议题重要性程度。Based on the ESG material topic database, the significance of each topic was assessed throughstakeholder surveys, interviews, expert evaluations, and external consultations. 报告Reporting 基于利益相关方对各议题的调研结果，将议题重要性进行排序，披露重要性议题的相关实践。Drawing on stakeholder survey findings regarding the topics, the topics were prioritized and relevantpractices on material topics were disclosed. 识别Identification 评估Evaluation 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，深入了解各方诉求、意见和建议，并根据各方关注重点选择关键议题和目标，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 variouschannels 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 andobjectives, ultimately fostering a harmonious and stable relationship with stakeholders. 政府及监管机构Government and regulatoryagencies 规范运营Standardized operation响应国家政策Response to national policies服务实体经济Serving the real economy金融风险防范Financial risk prevention反商业贿赂及反贪污Anti-commercial bribery andanti-corruption反洗钱Anti-money laundering 完善公司治理Enhance corporate governance主动依法纳税Proactively pay taxes according to laws服务“两新”政策Serve “Two New” policies践行普惠金融Practice inclusive finance践行绿色金融Practice green finance践行科技金融Practice fintech践行养老金融Practice elderly care finance强化内控合规Strengthen internal control compliance加强反腐败Strengthen anti-corruption加强反洗钱Strengthen anti-money laundering 利益相关方Stakeholder 关注议题Topic 公司回应方式Company’s response 利益相关方沟通Communication with stakeholders 重要性议题分析江苏金租｜1514｜环境Environment 践行绿色金融Green finance practices 开展绿色融资Green financing 高效能源利用Ecient energy utilization 社会Social 响应国家政策服务实体经济Response to nationalpolicies, serving the realeconomy 金融科技Fintech 平等对待小微企业Equal treatment of smalland micro enterprises消费者权益保护Protection of consumers'rights and interests 股东投资回报Shareholder investmentreturns 伙伴合作共赢Partner cooperation forwin-win results员工Employees 慈善公益Charity and commonweal activities 可持续发展相关治理Governancerelated tosustainabledevelopment 利益相关方沟通Communication withstakeholders ESG管理ESG management 规范运营Standardized operation金融风险防范Financial risk prevention 反洗钱Anti-money laundering 反商业贿赂及反贪污Anti-commercial briberyand anti-corruption 重要性议题Material topics 股东与投资者Shareholders and investors 规范运营Standardized operationESG管理ESG management金融风险防范Financial risk prevention业绩增长Performance growth投资回报Return on investment 完善公司治理Enhance corporate governance强化内控合规Strengthen internal control compliance完善ESG管理体系建设Improve the ESG management system构建全面风险管理体系Build a comprehensive risk managementsystem完善客户尽职调查Enhance client due diligence稳健经营Stabilize operation完善信息披露Improving information disclosure加强投关管理Strengthen investor relationsmanagement持续分红Continuously distribute dividends 客户及伙伴Clients and partners 诚信经营Operation in an honestmanner平等对待小微企业Equal treatment of small andmicro enterprises创新驱动Innovation-drivendevelopment消费者权益保护Protection of consumers' rightsand interests数据安全与客户隐私保护Data security and client privacyprotection合作共赢Win-win cooperation 完善公司治理Enhance corporate governance践行普惠金融Practice inclusive finance提升金融科技能力Enhance fintech capabilities加大产品创新Increase product innovation提升服务质量Improve service quality加强产融合作Strengthen industry-finance cooperation完善信息安全管理体系Improve the information securitymanagement system完善消费者权益保护体系Improve the system for the protection ofconsumers' rights and interests拓宽客户意见响应渠道Expand client feedback channels员工Employees 员工权益与福利Employee rights and benefits员工培训与发展Employee training anddevelopment职业健康安全Occupational health andsafety工作幸福感Sense of happiness duringwork 完善薪酬福利体系Enhance remuneration and benefitssystem健全员工培训体系Strengthen employee training system明确员工职业发展通道Specify employee career developmentchannels保障工会与职工代表大会良好运作Ensure eective operation of the LaborUnion and Congress of Workers and Sta开展员工关爱活动Conduct employee care activities丰富员工活动Enrich employee activities 社会及公众Society and the public 提供就业机会Provision of employmentopportunities环境保护Environment protection能源利用Energy utilization水资源利用Water resource utilization慈善公益Charity and commonwealactivities 完善招聘机制Improve recruitment mechanisms加大乡村振兴投入Increase rural revitalization investment参与慈善公益事业Participate in charity and commonwealactivities践行绿色金融Green finance practices开展绿色融资Carry out green financing坚持绿色运营Adhere to green operation鼓励绿色办公Encourage green oce使用清洁能源Use clean energy Chapter I守正合规深化公司治理江苏金租｜1716｜守正合规深化公司治理 Integrity & Compliance – DeepeningCorporate Governance Chapter I Chapter I守正合规深化公司治理江苏金租｜1918｜ ESG管理ESG management ESG管理理念ESG management philosophy 议题 / Topic 做一家有温度的金融租赁公司To be a warm and caring financial leasing company 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。Uphold the essence of finance, serve the real economy, and promote thesustainable development of companies and society. 完善法人治理结构，保障企业合规运营，实现高质量发展。Improve the corporate governance structure, ensure compliant operations,and achieve high-quality development.发展绿色租赁业务，推动环境友好型经济生态；践行绿色办公理念，贯彻绿色发展方针。Develop green leasing business, promote environmentally-friendlyeconomic ecology; practice green oce philosophy and implement greendevelopment guidelines.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。Pay attention to the interests and demands of shareholders, partners,customers, employees, and communities, contribute corporate strength,put people first and achieve win-win results. 社会责任Socialresponsibilities 治理责任Governanceresponsibilities 环境责任Environmentalresponsibilities 经济责任Economicresponsibilities 主旨Mission ESG管理架构ESG management structure 江苏金租构建“决策层—管理层—执行层”三级ESG管理体系，将ESG管理提升到事关公司健康、可持续发展的高度，为ESG工作的全面推进提供组织保障和制度保障。JFL has established a three-level ESG management system involving the “decision-making level – managementlevel – execution level”, elevating ESG management to a level that directly impacts the Company’s health andsustainable development, and providing both organizational and institutional guarantees for the comprehensiveadvancement of ESG work. 决策层Decision-makinglevel管理层Management level 执行层Execution level ESG管理体系ESG management system 负责审定公司ESG战略、愿景、目标等，并对其有效性负责；监督、检查、评估公司ESG工作实施情况。Responsible for reviewing and approving the Company’sESG strategies, visions, and objectives, and ensuring theireffectiveness; as well as for supervising, inspecting, andevaluating the implementation of the Company’s ESG work. 负责拟定公司ESG管理方针及策略，研究ESG市场趋势，识别与管理ESG相关风险，统筹管理ESG相关工作。Responsible for developing the Company’sESG management policies and strategies,researching ESG market trends, identifyingand managing ESG-related risks, andcoordinating ESG-related work. 战略委员会Strategy Committee董事会Board of Directors 各职能及业务部门、子公司Functional and business departments, and the Subsidiary负责具体落实ESG工作，推进ESG目标，定期更新ESG指标，完成ESG报告的信息采集、编制和披露工作，跟踪防范ESG风险。Responsible for the concrete implementation of ESG work,advancing ESG objectives, regularly updating ESG indicators,completing the information collection, compilation, and disclosureof ESG reports, and tracking and preventing ESG risks. Chapter I守正合规深化公司治理江苏金租｜2120｜ 01 完善ESG制度体系 Improvement of the ESG institutional system 2024年，公司修订《董事会议事规则》《独立董事工作制度》等基本制度，优化完善《消费者权益保护管理办法》《客户投诉处理管理办法》等管理细则，为公司ESG治理奠定制度基础。In 2024, the Company revised fundamental systems such as the “Rules of Procedure of the Boardof Directors” and “Working Rules of Independent Directors”, and optimized and improved detailedmanagement rules such as the “Management Measures for the Protection of Consumers' Rights andInterests” and “Management Measures for Client Complaint Handling”, thereby laying the institutionalfoundation for the Company’s ESG governance. 02 董事会2024年审议主要ESG事项 Major ESG matters reviewed by the Board of Directors in 2024公司董事会积极履行ESG相关事项的决策与监督职责，2024年审议通过了涵盖公司治理、风险管理、社会贡献及商业道德等关键领域的多项ESG议题。The Company’s Board of Directors actively fulfilled its decision-making and supervisory responsibilities regardingESG-related matters. In 2024, it reviewed multiple ESG topics covering key areas such as corporate governance, riskmanagement, social contribution, and business ethics. ESG关键领域Key ESG areas 审议/听取内容Matters reviewed/heard公司治理Corporate governance 修订《董事会议事规则》、修订《独立董事工作制度》、修订《审计委员会工作规则》Revision of the “Rules of Procedure of the Board of Directors”, the “Working Rulesof Independent Directors”, and the “Working Rules of the Audit Committee”风险管理Risk management 全面风险管理报告、年度风险偏好、年度风险政策、预期信用损失模型全面验证报告、反洗钱工作报告Comprehensive risk management report, annual risk preference, annual riskpolicy, comprehensive validation report of the expected credit loss model, anti-money laundering report社会贡献Social contribution 2023年度环境、社会及治理（ESG）报告Environmental, Social and Governance (ESG) Report 2023 商业道德Business ethics 案件风险防控工作报告Work report on case risk prevention and control消费者权益Rights and interests ofcustomers 消费者权益保护工作报告Work report on the protection of consumers’ rights and interests 金融科技 Fintech 数据治理工作报告Work report on data governance 内控合规Internal control compliance 内控合规管理工作报告、内部控制审计报告Work report on internal control compliance management, internal control auditreport 03 完善ESG信息披露 Improvement of ESG information disclosure公开披露历年社会责任报告/ESG报告。The Company publicly disclosed past social responsibility reports/ESG reports.公司官网、公众号主动披露ESG履责动态，发布ESG相关案例，拓宽与利益相关方的沟通渠道。The Company proactively disclosed updates on ESG responsibility fulfillment and ESG-related cases on its ocial websiteand ocial account, and broadening communication channels with stakeholders. ESG管理实践ESG management practices 江苏金租ESG管理相关制度JFL’s rules related toESG management 《员工行为管理办法》“Employee BehaviorManagement Measures” 《职工代表大会工作规则》“Working Rules of the Congress of Workers and Sta” 《绿色租赁管理办法》“Green Leasing Management Measures” 《数据安全管理规定》“Data Security Management Regulations” 《信息安全行为规范》 “Code of Conduct for Information Security”《厂商、经销商管理办法》“Vendor and DealerManagement Measures” 《员工补充商业医疗保险管理办法》“Management Measures forEmployee SupplementaryCommercial Medical Insurance” 《消费者权益保护管理办法》“Management Measures for theProtection of Consumers' Rights and Interests” 《绿色债券募集资金管理办法》“Management Measures forRaised Funds from Green Bonds” 廉洁从业Incorruptibility in practice 绿色金融Green finance 员工权益Employee rightsand interests 数据安全Data security 消费者保护Consumerprotection 厂商经销商管理Vendor and dealer management Chapter I守正合规深化公司治理江苏金租｜2322｜持续推动学习转化Continuously translating learning into practice组织党建大会、党委书记讲党课，在改革精神指导下，进一步明晰工作思路，切实把二十届三中全会精神转化为推动公司高质量发展的实际行动。by organizing Party-building conferences and lectures delivered by the Party secretary. Guided by the reformprinciples and instructions, the Company has further clarified its work strategies and eectively transformed theprinciples and instructions of the 20th CPC Central Committee’s Third Plenary Session into concrete actions thatpropel high-quality development. 坚定落实国企改革Resolutely implementing state-owned enterprise reform实施对标世界一流企业价值创造行动，不断增强核心功能、扩大国际影响力；落实国有企业改革深化提升行动，重点提升企业价值创造能力、健全市场化经营机制。by launching a value-creation initiative benchmarked against world-class enterprises to continuously enhance corefunctions and expand international influence; and by executing measures to deepen and upgrade state-ownedenterprise reform, with a focus on boosting corporate value creation and perfecting a market-oriented operatingmechanism. 二十届三中全会精神学习大会Conference for studying the principles and instructions of the 20th CPC CentralCommittee’s Third Plenary Session 党委书记讲党课Party secretary delivering a lecture 01 把方向，推动公司高质量发展 Setting the direction for high-quality development 公司以党建凝聚合力、以融合促进发展，精准把握政策方向，确保公司合规运营、确保公司战略契合国家导向。The Company harnesses Party building to unify strength and leverages integration to drive development. Itprecisely aligns with policies, ensuring compliant operations and that its strategies are consistent with nationalpriorities. 党建引领，筑牢发展根基Party building: Laying a solid foundation fordevelopment 规范运营Standardized operation 议题 / Topic 不断提升学习实效Continuously enhancing learning eectiveness 读原著、学原文、悟原理，深入学习贯彻党的二十届三中全会精神，通过一系列形式多样的宣贯工作，进一步凝聚共识、坚定信心。by reading original works, studying primary texts, and grasping fundamental principles. The Company hasthoroughly studied and implemented the principles and instructions of the 20th CPC Central Committee’s ThirdPlenary Session and, through a variety of promotional initiatives, further consolidated consensus and bolsteredconfidence. Chapter I守正合规深化公司治理江苏金租｜2524｜深化“党建联盟”Deepening the “Party BuildingAlliance” 拓宽结对数量，扩大联盟成效。2024年，公司携手江西电建、哈尔滨交通、浙江新一海等8家伙伴，推进党建与业务发展纵深融合。by increasing the number ofpartnerships and enhancing thealliance’s effectiveness. In 2024, theCompany collaborated with eightpartners—including PowerChina JiangxiElectric Power Construction Co., Ltd.,Harbin Trac Group and Zhejiang XinYi Hai Shipping Co., Ltd.—to promote adeep integration of Party building andbusiness development. 充实人才队伍Strengthening the talent pool坚持党管人才原则。2024年，公司结合新一轮战略发展需要，及时调整组织架构、大力启用年轻业务骨干。通过竞聘双选机制，持续优化人才结构，锻造人才队伍。by adhering to the principle of Party-led talent management. In 2024, in linewith new strategic development needs,the Company promptly adjusted itsorganizational structure and activelypromoted young key business personnel.Through a competitive selection andmutual-choice mechanism, it continuouslyoptimized its talent structure anddeveloped its team. 强化科技赋能Enhancing technologicalempowerment2024年，公司推进智慧党建系统2.0迭代升级，强化组织建设，优化党员管理模块，以科技融合赋能党建工作。by advancing the upgrade of itsIntelligent Party Building System 2.0in 2024. The Company has bolsteredorganizational construction, optimizedthe Party member managementmodule, and leveraged technologyintegration to empower its Party-building eorts. 02 解难题，激发公司发展动能 Overcoming challenges and stimulating development momentum 党建联盟签约现场Signing ceremony of the Party Building Alliance 2024年中层管理人员竞聘现场2024 Mid-level manager recruitment event 智慧党建系统Intelligent Party Building System 打造融耀苏租Creating “Rongyao JFL”围绕奋斗实干、凝心聚力，公司建立“融耀苏租”评奖评优体系，年内推出《选择》《蓬勃生长》等优秀典型宣传。by focusing on diligence and unity. TheCompany established the “RongyaoJFL” awards and recognition systemand, over the course of the year,launched exemplary showcases suchas “Choice” and “Vigorous Growth.” 2024年融耀先锋评选2024 Rongyao Pioneer selection 《记录美好瞬间》文化宣传片The cultural promotional video“Recording Beautiful Moments” 《苏租新人文》20周年特刊20th-anniversary special issue of “JFL NewCulture” 加强正面引导Strengthening positive guidance开展文化建设系列评选，年内发布《书的告白》《记录美好瞬间》《看见》宣传片，激励全体员工投身公司事业。by conducting a series of culturalconstruction evaluations andreleasing promotional videos—“Book’sConfession,” “Recording BeautifulMoments,” and “Seeing”—throughoutthe year to inspire all employees tocommit to the Company’s mission. 营造良好氛围Cultivating a positive atmosphere2024年，公司发布内刊《苏租新人文》20周年特刊，通过苏租精神的传承、发扬、创新，讲好苏租故事，传递公司情怀。by publishing a 20th-anniversaryspecial issue of its internal journal “JFLNew Culture” in 2024. Through theinheritance, promotion, and innovationof the JFL spirit, the Company tells itsstories and conveys its core values. 03 聚人心，厚植干事创业氛围 Uniting as one and fostering an entrepreneurial spirit Chapter I守正合规深化公司治理江苏金租｜2726｜ 2024年，董事会通过现场及通讯方式召开了8次会议，审议并讨论了86项重大议题，涵盖公司战略规划、融资安排、担保事项、合规管理及薪酬考核等核心领域，董事会在关键决策中发挥主导作用。In 2024, the Board of Directors held 8 meetings—both in person and viatelecommunications—reviewing and discussing 86 major issues that spannedstrategic planning, financing arrangements, guarantee matters, compliancemanagement, and remuneration assessments, playing a decisive role in keydecisions. 董事会成员具备经济、金融、法律、产业、管理等多领域的专业背景。Board members bring professional expertise from diverse fields such as economics, finance, law, industry, and management. 第四届董事会成员Members of the 4th Board of Directors 次项召开会议Convene a meeting审议讨论重大议题Deliberate and discuss majorissues 2024年，董事会In 2024, the Board of Directors 董事会掌舵，保障行稳致远Board of Directors at the helm: Ensuring steady and sustainable progress 01 构建多元化、国际化的董事会结构 Establishing a diversified and international Board structure 名名名股东董事Shareholder Director 执行董事executive director 独立董事independent director 董事会成员Board members 名 02 强化董事会对重大事项的决策权Strengthening the decision-making authority of theBoard of Directors on major matters 含1名外籍董事one of whom is a foreign director 专门委员会由具备相关专业背景的董事组成，其中三个委员会由独立董事担任主任，且独立董事占多数。These committees are staed by directors with relevant expertise; three arechaired by independent directors, who form the majority.2024年，各专门委员会共召开15次会议，审议并讨论77项议题，为董事会提供了有力的决策支持。In 2024, these specialized committees convened a total of 15 meetings,reviewing and discussing 77 issues, and thereby provided robust decisionsupport for the Board of Directors. 次项召开会议Convene meetings 审议并讨论议题Deliberate and discuss topics 2024年，各专门委员会共In 2024, various specializedcommittees 03 发挥专门委员会的决策支持作用Leveraging the decision-support role of specialized committees 董事会Board of Directors General Meeting 战略委员会Strategy Committee 风险管理与消费者权益保护委员会Committee of RiskManagement andConsumer Rights &Interests Protection 提名与薪酬委员会Nomination andRemunerationCommittee 审计委员会Board of Auditors 关联交易控制委员会Related PartyTransaction ControlCommittee Chapter I守正合规深化公司治理江苏金租｜2928｜ 04 完善董事履职评价与保障机制 Enhancing the evaluation and safeguard mechanisms for directors’ performance 董事实地调研公司合作伙伴Directors conducting on-site research with the Company’s partner 董事履职评价Director performanceevaluation 董事责任险Directors’ liability insurance 履职资源支持Performance resource support 监事会每年度对董事履职进行评价，并提交股东大会。The Board of Supervisors evaluates directors annually and submits the findings tothe Shareholders’ General Meeting. 公司每年专门划拨专项经费，为全体董事购置履职责任保险，解除董事的后顾之忧。The Company allocates special funds each year to purchase liability insurance forall directors, alleviating concerns over potential liabilities. 在闭会期间，公司支持董事深入各部门调研、走访重点合作伙伴和客户，持续提升董事的履职能力和决策水平。During recess periods, the Company facilitates directors’ involvement in variousdepartments’ in-depth research of and visits to key partners and clients,continuously enhancing their decision-making capabilities. 内控合规，护航稳健运营Internal control compliance: Safeguarding steadyoperations 成效Achievements 建立了横向到边、纵向到底的内控合规管理体系Established a comprehensiveinternal control and compliancemanagement system that spansall levels and areas. 将合规基因注入发展决策、业务经营的全过程、全领域Integrated a compliance mindsetinto every stage and aspect ofdevelopment decision-makingand business operations. 实现了从“被动监管遵循”向“主动合规治理”的转变Achieved a transition from“passive regulatory adherence”to “proactive compliancegovernance.” Chapter I守正合规深化公司治理江苏金租｜3130｜第三道防线Third line of defense内部审计部门Internal Audit Department承担内控合规的监督责任，对经营管理的合规性进行审计，并与合规管理部门建立有效的信息交流机制。The department oversees internalcontrol compliance by auditingbusiness management complianceand establishing effectiveinformation exchange mechanismswith the Compliance Management 第二道防线Second line of defense合规管理部门Compliance ManagementDepartment承担内控合规的管理责任，组织、协调、推动各部门开展合规管理工作。The department manages internalcontrol compliance by organizing,coordinating, and promotinginternal control compliance acrossdepartments.Department. 公司建立了内控合规考核制度。将各部门合规管理质效纳入考核，并将合规管理情况纳入对各部门负责人的年度综合考核。The Company has established an internal control compliance evaluation systemthat incorporates the quality and effectiveness of departmental compliancemanagement into assessments and includes compliance performance in theannual comprehensive evaluations of department heads. 01 内控合规管理体系 Internal control and compliance management system公司按照“分级管理、逐级负责”的要求，不断完善内控合规管理架构，明确管理责任。In line with the principle of “hierarchical management and accountability at every level,” the Company continuouslyrefines its internal control and compliance framework, clarifying management responsibilities. 风险管理与消费者权益保护委员会会议现场Meeting of the Committee of Risk Management and Consumer Rights & Interests Protection 考核机制Evaluation mechanism 董事会、风险管理与消费者权益保护委员会The Board of Directors and theCommittee of Risk Managementand Consumer Rights & Interests Protection 确定内控合规管理目标，对合规管理的有效性承担最终责任The Board of Directors and the Committee of RiskManagement and Consumer Rights & Interests Protectionset internal control compliance management objectivesand bear ultimate responsibility for compliancemanagement eectiveness. 落实合规管理目标，对业务合规性承担领导责任The management is responsible for implementingcompliance management objectives and bears leadershipresponsibility for business compliance. 02 内控合规三道防线 The three lines of defense in internal control compliance相关部门各司其职、协调配合，有机统筹，有效衔接，形成合规管理合力。Relevant departments perform their respective duties, coordinate e?ectively, integrate their e?orts, and work in seamlessconjunction to form a uni?ed compliance management force. 第一道防线First line of defense: 各业务及职能部门Business and functionaldepartments.承担内控合规的主体责任，负责本条线本领域合规规范的严格执行与有效落实，积极配合合规管理部门的工作。They bear primary responsibility forinternal control compliance by strictlyenforcing and e?ectively implementingcompliance regulations within theirscope, while actively cooperatingwith the compliance managementdepartment. 管理层The management 各部门负责人Department heads 落实本部门、本级机构的内控合规管理目标，对本部门、本级机构合规管理承担首要责任。Department heads are charged with executing internal controlcompliance management objectives within their departmentsand bear primary responsibility for compliance in theirdepartments. 全体员工All employees 遵守与履职行为有关的合规规范，积极识别、控制履职行为的合规风险，对履职行为的合规性承担责任。All employees must adhere to compliance regulations relatedto their duties, actively identify and control compliance risks,and be accountable for the compliance of their actions. Chapter I守正合规深化公司治理江苏金租｜3332｜合规宣传Compliance promotion2024年，公司常态化推出“图说合规”宣传活动，发布《图解做好金融五篇大文章》《服务经济社会高质量五促进五优化行动》《金融租赁行业三项展业清单》《图说合规<金融租赁公司管理办法（2024）>》等10期海报。In 2024, the Company regularly launched its “Illustrations of Compliance” campaign, releasing 10 sets of posters—including “Illustrated Guide to Five Major Financial Efforts,” “Five Promotion Actions and Five Optimization Actions forHigh-quality Economic and Social Development,” “Three Business Development Checklists for the Financial LeasingIndustry,” and “Illustrations of Compliance: Management Measures for Financial Leasing Companies (2024).”03 强化重点领域合规管理 Strengthening compliance management in key areas 04 内控合规文化建设 Building a culture of internal control compliance 图说合规?《金融租赁公司管理办法（2024）》Illustrations of Compliance — Management Measures forFinancial Leasing Companies (2024) 《金融租赁公司管理办法（2024）》专题培训Specialized training on “Measures for the Administrationof Financial Leasing Companies (2024)” 加强租赁物合规管控Improved compliancecontrol of leased property 做实资金用途审查 Rigorous review offund usage 健全合作机构管理Strengthened partnermanagement 基于租赁物的风险特征采取一系列管控措施，明确租赁物所有权，健全租赁物价值评估机制，通过“智管万物”平台实现租赁物动态监控。The Company has implemented a series of measures tailored to the riskcharacteristics of leased property, clarified ownership of leased property,established a robust valuation mechanism, and dynamically monitoring leasedproperty via the “Smart IoT Manager” platform. 对客户的资金用途开展合规性审查，确保融资租赁资金用途合规合法。The Company has conducted compliance reviews of clients’ fund usage to ensurethat financial leasing funds are used lawfully and in accordance with regulations. 不断建强服务厂商经销商、管理厂商经销商的能力。2024年，修订《厂商经销商管理办法》，优化厂商经销商年度评级机制；上线厂商经销商管理系统，完善尽职调查、准入审核、租后回访等相关机制。The Company has continuously strengthened the capabilities of servicing andmanaging vendors and dealers. In 2024, the Company revised the “Vendor andDealer Management Measures” to optimize the annual rating mechanism forvendors and dealers, and launched a vendor and dealer management system toenhance due diligence, admission review, and post-lease follow-up procedures. 图说合规?金融租赁行业三项展业清单Illustrations of Compliance — Three Business DevelopmentChecklists for the Financial Leasing Industry 专题培训Specialized training公司将内控合规相关课程作为年度培训、新员工入职培训必修内容。2024年年内先后开展10余次专项培训，持续提升内控合规教育培训占比，内容覆盖监管政策解读、租赁物合规性等主题。The Company has made internal control compliance courses a mandatorypart of its annual and new employee training programs. In 2024, itconducted more than 10 specialized training sessions, continuouslyincreasing the proportion of internal control compliance education, withtopics covering regulatory policy interpretation and leased asset compliance,among others. Chapter I守正合规深化公司治理江苏金租｜3534｜公司根据《金融租赁公司管理办法》《银行业金融机构全面风险管理指引》等制度，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、及时应对及全程管控。Based on the “Management Measures for Financial Leasing Companies,” the “Comprehensive RiskManagement Guidelines for Banking Financial Institutions” and other regulations, focusing on corporatestrategy and business goals, the Company identifies, assesses, gives dynamic early warnings, responds to,and controls risks in business development and management activities 全面风险管理体系Comprehensive risk management system 全面风险管理体系Comprehensive risk management system 基础层Basic layer 员工与企业文化Employees and corporate culture 信息系统支持Information system support执行层Executive layer 工具层Tool layer 核心层Core layer 纲领性文件Programmatic documents 信用风险Credit risk 操作风险Operational risk合规风险Compliancerisk市场风险Market risk流动性风险Liquidity risk 其他风险Other risks风险监测与报告Risk monitoring and reporting 流程授权Process authorization管理制度Management systems治理架构Governance structure 风险政策与偏好Risk policy and preference 金融风险防范 Financial risk prevention 议题 / Topic 公司构建了覆盖风险识别、评估、监测、报告与预警、控制与缓释全流程的数字风控体系。The Company has developed a digital risk control system covering the entire process of risk identification,assessment, monitoring, reporting and early warning, control, and mitigation.数字风控体系整合了内外部多源数据，完成3000+数标建设、以及60+自动决策模型、1200+风险预警规则、20+风险管理子模块的搭建，有效实现了风险管理闭环。The digital risk control system integrates multi-source internal and external data, has established over 3,000data indicators, built more than 60 automated decision-making models, implemented over 1,200 risk earlywarning rules, and developed more than 20 risk management sub-modules, thereby eectively achieving aclosed-loop risk management process. 数字风控建设Digital risk control construction 数标建设Numerical standardconstruction 风险预警规则Risk WarningRules3000 + 1200 + + +自动决策模型AutomaticDecision Model 风险管理子模块Risk managementsubmodule 管理原则Management principles 2024年，公司确定“风险为本，稳健审慎”的风险原则，更新风险政策和风险偏好。In 2024, the Company established the risk principle of “risk-based,stable and prudent” and updated its risk policies and risk preference.纲领性文件Guiding documents 匹配性 Matching 全覆盖Full coverage 独立性Independence 有效性Eectiveness Chapter I守正合规深化公司治理江苏金租｜3736｜风险文化建设Risk culture construction 数据驱动Data-drivendevelopment 风控中枢Risk control hub 上层应用Upper-levelapplications 风控模型Risk control models租前风控体系建设、租后风控体系建设Pre-leasing risk control system construction, post-leasing risk control system construction赋能客户准入评级Empowering clienteligibility ratings客户评级Client ratings客户画像Client profiling厂商经销商评级Vendor and dealerratings 赋能租后风险管理Empowering post-leasing risk management GPS 烽火预警系统 Beacon early warning system 智管万物 Smart IoT Manager 赋能租前风险决策Empowering pre-leasing risk decision-making反洗钱审查Anti-money launderingreview身份核验Identity verification决策引擎Decision engine 数字风控体系建设Digital risk control system construction 汽车“管理驾驶舱”" Management Cockpit" for automotive business 租前风险决策系统Pre-leasing risk decision system 大数据能力建设（多维度）Big data capability development (multidimensional)工商数据Businessregistration data 司法数据judicial data 公安数据public securitydata 征信数据credit data 社交网络数据social networkdata 历史违约合作记录historical defaultand cooperationrecords 公司将风险管理融入日常运营，形成“全员风险管理、风险管理创造价值”的文化氛围。The Company has integrated risk management into its daily operations, creating a cultural environment of “allemployees manage risk, risk management creates value.” 公司与法巴租赁开展操作风险与内部控制交流The Company and BNP Paribas Leasing Solutions engage in discussions onoperational risk and internal control 新员工风险管理培训Risk management training for new employees 建立系统的培训体系，提升全员风险识别与应对能力，确保各层级员工理解并践行风险管理要求。Establishing a systematic training system to enhancethe risk identification and response capabilitiesof all employees, ensuring that employees at alllevels understand and adhere to risk managementrequirements. 构建激励约束机制，将风险管理与绩效挂钩，推动责任落实。Constructing an incentive and constraint mechanismto link risk management with performance, therebypromoting accountability. 倡导开放透明的沟通环境，鼓励员工主动报告风险隐患，形成风险共担的文化共识。Advocating an open and transparent communicationenvironment, encouraging employees to proactivelyreport risks and hidden hazards, and fostering a culturalconsensus on shared risk responsibility. 全员风险管理风险管理创造价值all employees managerisk, risk management creates value 建立系统培训体系Establish a systematictraining system 构建激励约束机制Building incentive andconstraint mechanisms 倡导开放沟通环境Advocate for anopen communicationenvironment Chapter I守正合规深化公司治理江苏金租｜3938｜公司秉持“强监督、防风险、促发展”的工作理念，以“严管厚爱”为导向，紧扣保障公司健康发展、员工健康成长的“两个健康”目标，持续深耕“清风苏租”清廉金融文化，坚定不移一体推进不敢腐、不能腐、不想腐，为公司稳健经营与高质量发展筑牢坚实保障。The Company adheres to the work philosophy of “strong supervision, risk prevention, and developmentpromotion” and is guided by the principle of “strict management with care.” It is committed to achievingthe dual objectives of healthy corporate development and robust employee growth, continuouslycultivating the “Incorruptible JFL” clean financial culture, and unswervingly advancing an integratedapproach of “dare not be corrupt, cannot be corrupt, and do not want to be corrupt” to secure a solidfoundation for stable operations and high-quality development. 次开展员工家访Conducted employee home visits 次组织公司层面专项廉洁警示教育Organized Company-level specialanti-corruption warning education sessions +次实施廉洁从业提示提醒Implemented over reminders tomaintain incorruptible practice 人次完成岗位轮换工作Completed instances of job rotation 个人重大事项申报覆盖率Achieved coverage in thedeclaration of significant personal matters % 反商业贿赂及反贪污 Anti-commercial bribery andanti-corruption 议题 / Topic 2024年度数据Annual data for 2024 公司构建了反腐败“三道防线”，不断深化“三联”工作机制，汇聚监督合力，精准查摆制度建设薄弱点，建立健全廉洁风险防控长效机制。The Company has developed a “three lines of defense” system for anti-corruption and continuously deepens its“three-link” mechanism, consolidating supervisory eorts to accurately identify weaknesses in its systems andestablish a robust, long-term framework for preventing and controlling integrity risks. 完善反腐败机制Enhancing the anti-corruption mechanism 三道防线Three lines of defense业务部门，中后台职能部门，纪审联动。公司打造了贯穿公司前中后台的风险防线，明确各层级风险防范职责，压实各防线主体责任。Business departments, middle and back office functionaldepartments, and the coordinated efforts between disciplinaryinspection and supervision. The Company has built acomprehensive risk defense spanning its front, middle, and backoces, clearly delineating risk prevention responsibilities at everylevel and reinforcing accountability across all layers. “三联”机制“Three-link” mechanism围绕“会议联席、信息联通、监督联动”凝聚监督力量，推动各部门切实履行反腐倡廉管理责任。Centered on joint meetings, seamless information sharing, andcoordinated supervision, this mechanism consolidates supervisoryforces and compels all departments to eectively fulfill their anti-corruption and integrity management responsibilities. 公司围绕廉洁从业要求，通过深度剖析业务流程，精准定位潜在风险点，确保制度切实可行、行之有效。2024年，公司修订《员工家访实施细则》，进一步了解掌握员工八小时外思想动态，强化员工行为管理。Based on the requirements on incorruptible practice, the Company rigorously analyzes its business processes topinpoint potential risk areas, ensures that its regulations are both practical and eective. In 2024, it revised the“Detailed Implementing Rules of Employee Home Visits” to better understand and monitor employees’ o-dutyattitudes and to strengthen behavioral management. 制度规范Regulatory systems 会议联席joint meetings 信息联通seamlessinformationsharing监督联动coordinatedsupervision “三联”机制“Three-link”mechanism 业务部门Business departments中后台职能部门middle and back ocefunctional departments 纪审联动coordinated eorts betweendisciplinary inspection andsupervision Chapter I守正合规深化公司治理江苏金租｜4140｜聚焦重点领域、关键环节与重要岗位，深入开展员工行为监督管理。公司要求员工如实申报个人情况，密切关注民间借贷、非法集资等问题，加强对员工“八小时外”生活圈的关注。定期发放《家庭助廉倡议书》，发动家属参与员工廉洁自律监督，构建全方位监督网络。Targeting key areas, critical processes, and vital positions, the Company rigorously monitors and managesemployee conduct. Employees are required to provide honest personal declarations, with special attentiongiven to issues such as private lending and illegal fundraising. Additionally, the Company regularly distributesa “Incorruptibility Proposal for Family Members” to involve family members in supervising employee integrity,thereby establishing a comprehensive supervisory network. 公司持续完善覆盖“公司-支部-部门”三个层面、“全员-党员-中高层-业务人员-新员工”五个维度的员工廉洁警示教育体系，推动廉洁警示教育入脑入心。The Company has continuously refined an integrity education framework that spans three organizationallevels—Company, Party branch, and department—and targets five dimensions: all employees, Party members,mid-to-senior management, business personnel, and new hires. This ensures that the message of integrity isdeeply internalized. 充分发挥文化引领作用，营造“亲清”关系的廉洁氛围，引导员工深刻领会“严管就是厚爱”“信任不能代替监督”“监督就是最好的保护”等辩证思想内涵。By fully harnessing the influence of corporate culture, the Company fosters an environment of clean andamicable relationships. It guides employees to deeply appreciate the principles behind phrases such as “strictmanagement is a form of care,” “trust cannot replace supervision,” and “supervision is the best protection.” 以警示教育大会为契机，强化员工廉洁意识。公司定期召开警示教育大会，采用“线下+线上”相结合的方式，确保覆盖全体员工。有效传达党风廉政建设及反腐败斗争要求，深入分析反腐形势，学习典型警示案例，告诫全体员工算好“人生几本账”，促使员工知敬畏、存戒惧、守底线。Leveraging warning education conferences to reinforceincorruptibility awareness, the Company regularly convenessuch sessions using both in-person and online formats to ensurefull coverage. These conferences effectively communicate therequirements for construction of the Party conduct and of anhonest and clean government as well as anti-corruption; they oerin-depth analyses of anti-corruption trends and review illustrativewarning cases, urging employees to reflect on their personalaccountability and encouraging them to maintain respect, caution,and clear ethical boundaries 强化关键领域日常监督Strengthening daily supervision in key areas 推进“清廉金融”文化建设Advancing the “Clean Finance” culture 警示教育大会Warning education conference 《家庭助廉倡议书》“Incorruptibility Proposal for Family Members” 异地团队专项廉洁警示教育会议Special incorruptibility warning education meeting for remote teams 新员工《系好廉洁从业“第一粒”扣子》专题培训Special training for new employees: “Securing the First Button of IncorruptiblePractice” 廉洁从业培训海报Incorruptible practice training poster 01 建立“3+5”廉洁警示教育体系Establishing a "3+5" incorruptibility warning education system 02 打造“清风苏租”廉政品牌Building the incorruptible brand"Incorruptible JFL" Chapter I守正合规深化公司治理江苏金租｜4342｜公司根据新《反洗钱法》《金融机构反洗钱规定》《法人金融机构洗钱和恐怖融资风险管理指引（试行）》《金融机构反洗钱和反恐怖融资监督管理办法》等法律法规，搭建了反洗钱法人治理架构，建立健全反洗钱管理制度体系。In accordance with the new “Anti-money Laundering Law,” “Provisions on Anti-Money Laundering of FinancialInstitutions,” “Guidelines for Money Laundering and Terrorist Financing Risk Management for Corporate FinancialInstitutions (Trial),” and the “Supervision and Administration Measures for Anti-money Laundering and Anti-terrorist Financing for Financial Institutions,” the Company has established a corporate governance frameworkfor anti-money laundering and developed a comprehensive management system. 稳步推进反洗钱管理体系建设Steadily advancing the anti-money launderingmanagement system construction 01 完善反洗钱管理体系 Improving the anti-money laundering management system 反洗钱Anti-money laundering 议题 / Topic 反洗钱治理架构Anti-money laundering governance framework 监事会Board ofSupervisors 董事会Board ofDirectors 风险管理委员会Risk ManagementCommittee高级管理层Senior management team 反洗钱工作小组Anti-moneyLaunderingWorking Group 承担反洗钱管理监督责任Assumes the supervisoryresponsibility for anti-moneylaundering management负责督查董事会与高管层履职情况并督促整改，并提出建议和意见Oversees the performanceof the Board of Directors andsenior management andurges corrective actions, andprovides suggestions andopinions 承担反洗钱管理最终责任 Assumes the ultimate responsibility for anti-money laundering management 履行反洗钱管理部分责任Assumes partial responsibility for anti-moneylaundering management在董事会的指导和监事会的监督下，负责领导开展反洗钱管理工作Leads the anti-money laundering management under the guidance of theBoard of Directors and the supervision of the Board of Supervisors 领导、管理和监督公司反洗钱工作，向董事会报告洗钱风险管理情况Leads, manages, and supervises the Company’s anti-moneylaundering work, reporting money laundering risk managementstatus to the Board研究、制订公司反洗钱内控管理办法及相关管理办法Studies and formulates the Company’s anti-money launderinginternal control management measures and related managementprocedures研究、制订公司的反洗钱规划、政策及工作计划Studies and formulates the Company’s anti-money launderingplanning, policies, and work plans审核、批准可疑交易报告Reviews and approves suspicious transaction reports指导开展洗钱风险自评估工作Guides the conduct of money laundering risk self-assessments对违反反洗钱工作有关规定的行为提出处理建议Provides recommendations on handling behaviors that violate anti-money laundering regulations对反洗钱重大疑难问题，提出解决方案和对策Proposes solutions and countermeasures for major and dicult anti-money laundering issues由工作领导小组履行的其他职责Performs other duties as assigned by the working leadership group 全体员工All employees 其它职能部门Other functionaldepartments 风险管理部门Risk ManagementDepartment 法律事务部门Legal AairsDepartment 内部审计部门Internal AuditDepartment 纪检监察部门DisciplineInspection andSupervisionDepartment第二道防线Second line ofdefense 第三道防线Third line ofdefense 业务部门Businessdepartment 第一道防线First line ofdefense Chapter I守正合规深化公司治理江苏金租｜4544｜基本制度Basic rules 《反洗钱和反恐怖融资管理办法》“Anti-money Laundering and Anti-terrorist Financing Management Measures” 业务管理制度Business management rules 《客户身份识别管理办法》《客户身份资料与交易记录保存管理办法》《客户洗钱与恐怖融资风险等级划分管理办法》“Client Identification Management Measures,” “Management Measures for ClientIdentity Data and Transaction Record Retention,” “Management Measures for ClientMoney Laundering and Terrorist Financing Risk Ratings” 日常管理制度Daily management rules《洗钱风险自评估操作指引》《冻结涉及恐怖活动资产的内部管理办法》《合规风险应急预案》《信息安全管理办法》“Operational Guidelines for Money Laundering Risk Self-Assessment,” “InternalManagement Measures for Freezing Assets Involved in Terrorist Activities,” “EmergencyPlan for Compliance Risks,” “Information Security Management Measures” 反洗钱制度体系Anti-money launderinginstitutional system 目标Objectives建立以风险为本的反洗钱管理运行架构Establish a risk-based anti-money laundering management operational framework Consolidate the foundation for high-quality development Comply with regulatory requirements 厚植反洗钱和反恐怖融资文化Deeply cultivate a culture of anti-money laundering and counter-terrorist ?nancing 客户尽职调查Client duediligence 交易记录保存Transaction recordretention 黑名单监控Blacklistmonitoring 洗钱风险评估Moneylaundering riskassessment 交易监测和报告Transactionmonitoring andreporting 反洗钱管理体系Anti-moneylaunderingmanagementsystem 管理方法Managementmethods 管理措施Management measures 反洗钱组织体系Anti money launderingorganizational system 反洗钱制度体系Anti-money launderinginstitutional system 反洗钱岗责体系Anti-money laundering role andresponsibility system 反洗钱保障体系Anti-money launderingassurance system客户管理Customermanagement制度管理Systemmanagement 绩效考核Performanceevaluation 问责惩戒Accountabilityanddisciplinaryactions 宣传培训Publicity andtraining 系统支撑Systemsupport 区域管理Regionalmanagement 行业管理Industrymanagement 交易管理Transactionmanagement 公司坚持以客户为中心，积极研究和探索反洗钱管理方法和措施，为保障社会安全稳定贡献苏租力量。The Company adheres to a client-centric approach, actively researching and exploring management methods andmeasures for anti-money laundering, thereby contributing its eorts to safeguard social stability and security. 02 搭建反洗钱管理架构Establishing the anti-money laundering management framework Chapter I守正合规深化公司治理江苏金租｜4746｜公司坚持科技赋能，引入外部专业数据库，不断完善相关模型建设，持续提高系统的自动化程度，促进风险监测智能化。The Company adheres to technology empowerment, introduces external professional databases, continuously refinesrelated model development, steadily enhances system automation, and promotes intelligent risk monitoring. 03 开展反洗钱系统建设 Developing the anti-money laundering system No.1 获得ISO质量认证证书（TUV）的反洗钱数据供应商The first anti-money laundering data provider to obtain ISOquality certification (TUV) 信息来源语言Languages sourced 种 7X24h持续收集相关信息数据Data collection 人 + 研究员 Researchers 个数据研究中心 Data research centers 个 +数据覆盖国家及地区Data coverage spans morethan countries and regions 万笔 +个人及实体数据Personal and Entity Data 35,000 +源语种的数据信息来源Original language sources 个反洗钱合规数据库Anti-money laundering compliance database公司合作的反洗钱合规数据库权威、可靠：专业数据研究团队持续监控全球250多个司法管辖区的35,000多个媒体来源，包括政务网站、公司记录和法律程序。The anti-money laundering compliance database that the Company collaborates with is authoritative and reliable, witha professional research teams continuously monitoring over 35,000 media sources across more than 250 jurisdictions,including government a?airs websites, corporate records, and legal proceedings.反洗钱系统Anti-money laundering system 系统建设system construction 客户风险评级client risk rating 交易监测与分析transactionmonitoring andanalysis 可疑活动报告suspicious activity reporting NLP关联图谱NLP relationship mapping 调查与案件管理investigation and casemanagement 模型管理与合规适应性model management and compliance adaptation 数据治理与审计追踪data governance and audit tracing 客户身份识别Client identification Chapter I守正合规深化公司治理江苏金租｜4948｜公司不断推动客户尽职调查标准化、规范化、智能化建设，做实受益所有人精准识别，完成客户风险等级划分，细化不同类型客户、不同业务场景尽职调查标准和内容。The Company continuously promotes thestandardization, regularization, and intelligentdevelopment of client due diligence, accuratelyidentifies beneficial owners, completes client riskgrading, and refines due diligence standards fordifferent types of clients and various businessscenarios. 01 落实客户尽职调查要求Implementing client duediligence requirements 梳理反洗钱和反恐怖融资的监管体系、最新监管重点领域以及内部管控体系，形成18张宣传海报，在公司一楼大厅显著位置宣传展示。The Company reviewed the regulatory framework for anti-moneylaundering and counter-terrorist financing, identified the latest keyregulatory focus areas, and created 18 promotional posters that areprominently displayed in the Company’s lobby. 01 构建反洗钱长效化宣传机制Establishing a long-term anti-money launderingpublicity mechanism 持续通过季度反洗钱工作例会向各部门传达最新监管政策，培训监管文件精神，阶段性回顾工作计划，跟踪反洗钱工作落实情况。Quarterly sessions are held to communicate the latest regulatorypolicies to all departments, train staff on regulatory requirements,periodically review work plans, and monitor the implementation ofanti-money laundering work. 02 发挥反洗钱工作例会效用Leveraging regular anti-money launderingmeetings 2024年，公司邀请外部专家开展《当前反洗钱犯罪形势和监管新规》培训，解读金融机构面临的主要洗钱威胁及最新监管动态，提升公司在复杂监管环境下识别和应对洗钱风险的能力。In 2024, the Company invited external experts to conduct trainingon “The Current Landscape of Money Laundering Crime and NewRegulatory Provisions,” which clarified the primary money launderingthreats faced by financial institutions and the latest regulatory trends,thereby enhancing the Company’s ability to identify and addressmoney laundering risks in a complex environment. 03 利用外部专业资源Utilizing external professional resources公司在反洗钱系统部署可疑交易监测预警模块，建立预警触发处置机制。全年未发现可疑交易。The Company has deployed a suspicious transactionmonitoring and early warning module within its anti-money laundering system and established a triggerresponse mechanism. No suspicious transactionswere identified throughout the year. 03 监测报告大额交易和可疑交易Monitoring and reporting ofhigh-value transactions andsuspicious transactions 公司持续做好租前信息搜集、租中审核增补、租后材料保存，并按照10年期限的保存要求妥善存档。The Company continuously collects pre-leasinginformation, supplements and reviews data duringthe lease, and preserves post-lease materials, all ofwhich are properly archived in accordance with the10-year retention requirements. 02 保存客户资料和交易记录Retaining client information andtransaction records 反洗钱系统接入内部核心业务系统与外部权威洗钱名单，杜绝向反洗钱名单内客户提供租赁服务。全年未发现客户涉及洗钱风险负面清单情况。The anti-money laundering system is integratedwith both internal core business systemsand external authoritative money launderingwatchlists, thereby ensuring that leasing servicesare not provided to clients on these lists. No suchcases were identified during the year. 04 监控反洗钱负面名单Monitoring the anti-moneylaundering negative list 2024年内，公司通过内部报告、外部交流、宣传教育等多元途径，持续推进反洗钱常态化、长效化宣传，厚植员工反洗钱合规意识。In 2024, through internal reports, external exchanges, and educational campaigns, the Company continuouslypromoted regular and long-term anti-money laundering education to deeply embed compliance among itsemployees. 反洗钱工作例会现场Scene from an anti-money laundering meeting 外部专家反洗钱培训会议现场Figure: Scene from an external expert anti-moneylaundering training session 扎实履行反洗钱义务Diligently fulfilling anti-money launderingobligations 强化反洗钱宣传培训力度Enhancing anti-money laundering awareness andtraining Chapter II 主动作为服务新质生产力江苏金租｜5150｜主动作为服务新质生产力 Proactive Actions - Supportingthe Development of New-qualityProductivity Chapter II Chapter II 主动作为服务新质生产力江苏金租｜5352｜加快产品更新换代是推动高质量发展的重要举措，要鼓励引导新一轮大规模设备更新和消费品以旧换新。Accelerating product upgrades is an important measure to drive high-quality development. We mustencourage and guide a new round of large-scale equipment upgrades and consumer goods trade-in 2024年2月，习近平总书记在中央财经委员会第四次会议上强调In February 2024, General Secretary Xi Jinping noted at the Fourth Plenary Sessionof the Central Financial and Economic A?airs Commission 推动大规模设备更新和消费品以旧换新是加快构建新发展格局、推动高质量发展的重要举措，将有力促进投资和消费，既利当前、更利长远。“Promoting large-scale equipment upgrades and consumer goods trade-in is an important measureto accelerate the construction of a new development pattern and drive high-quality development. Itwill eectively stimulate investment and consumption, bring both the current and long-term benefits. 《推动大规模设备更新和消费品以旧换新行动方案》（国发〔2024〕7号） From the "Action Plan for Promoting Large-Scale Equipment Upgrades andConsumer Goods Trade-in" (G.F. [2024] No. 7) “ “ ” ” 响应国家政策服务实体经济Response to national policies,serving the real 议题 / Topic 服务设备更新的能力支撑Capability support for serving equipment upgrades 坚持“选择一个行业、深耕一个行业、坚守一个行业”的服务理念。Adhering to the service philosophy of "focus on and remain committed to one industry after choosing it"深耕细分领域，业务覆盖10大板块100多个细分市场。With reach into niche segments, the business spans 100 sub-sectors in 10 major sectors.坚守市场一线，即使在行业低谷期，仍然与客户保持联系，跟踪行业动态、关注客户需求。在陪伴中逐渐累积信任。By staying at the forefront of the market, the Company maintains close contact with clients even duringdownturns, continuously tracking industry trends and client needs to gradually build trust through ongoingengagement. 01 精专行业，培育了服务设备更新的专业能力Specialized industry: Cultivating professional capability in serving equipmentupgrades 服务理念Servicephilosophy 坚守一个行业Adhere to an industry 选择一个行业Choose an industry 深耕一个行业Deeply cultivate an industry Chapter II 主动作为服务新质生产力江苏金租｜5554｜无论是大型企业还是中小微客户Whether for large enterprises or small and micro businesses 无论是对新设备采购的资金支持还是旧设备升级的融资方案Whether for funding new equipmentpurchases or financing the upgrade of existing equipment 无论是大单项目的大额融资需求还是零售业务的小额资金周转Whether addressing large-scalefinancing needs for major projects orsmall-scale working capital for retail operations 无论是境内还是境外的资金需求Whether for domestic or overseas funding demands 通过精专行业，公司推出了丰富多样的金融产品，全面覆盖各类客户需求： Through its specialized approach, the Company has introduced a wide range offinancial products that comprehensively address various client needs: （ 2 ）服务产品多Diverse services and products 通过精专行业，公司培育了一大批合作10-20年的忠实客户和厂商伙伴。Through its specialized approach, the Company has cultivated a large base of loyalclients and vendor partners with relationships lasting 10–20 years. 工业装备、医疗器械市场Industrial equipment and medical device markets years + 工程机械市场Construction machinery market years 农业机械、清洁能源、信息科技等市场Agricultural machinery,clean energy, information technology, and other markets years + 大健康产业20周年论坛20th Anniversary Forum of the HolisticHealthcare Industry 与北京瑞禾印刷合作超20年Over 20 years of cooperation withBeijing Rehe Print 工程机械（达丰设备）最早合同（2009）Earliest contract in constructionmachinery (Tat Hong Equipment) (2009) 江苏金租-汽车金融产业论坛JFL – Automotive Finance Industry Forum （ 1 ）服务时间长Long service duration 公司金融产品矩阵JFL’s financial product matrix 服务产品多Diverse services andproducts 宠易租Pet Medical Equipment Leasing 牙易租Dental Equipment Leasing 中重卡Medium-duty and heavy- duty trucks 环卫友e租Sanitation Equipmente-Leasing 环e租Environmental ProtectionEquipment e-Leasing 闪光租PV Equipment Leasing 快印通Fast Printing 50专案、100专案、200专案50 Program, 100 Program, 200 Program 影易租Cinema Equipment Leasing 农易租Agricultural Equipment Leasing 惠友计划Huiyou Plan 工易租Engineering Equipment Leasing 微易租-BWeiyizu-B 微易租-AWeiyizu-A 清洁能源Clean energy 工业装备Industrialequipment 农业装备Agriculturalequipment 科学技术Science andtechnology 交通运输Transportation 节能环保Energy conservation andenvironmental protection 医疗健康Medicalhealth 工程装备Engineeringequipment 江苏金租Chapter II 主动作为服务新质生产力｜5756｜通过“厂商+区域+科技”三线并进，公司积累了海量客户资源和合作伙伴，分布在多地区、多领域。By simultaneously pursuing a “vendor + region + technology” strategy, the Company has amassed extensive clientresources and partners across various regions and fields. 02 三线并进，建立了服务设备更新的有效渠道 Advancing on three fronts to establish eective channels for serving equipmentupgrades 服务客户clients in total 合作厂商vendors and dealers + ≈6,000 万个家分布国家Distributed continents 合作厂商（部分）cooperating vendors (partial) 累计服务超30万客户Served over 300,000 clients in total 合作近6000家，合作厂商涵盖众多国际500强企业及国内行业龙头企业。Nearly cooperating 6,000 vendors and dealers,including numerous Fortune 500 companies andleading domestic enterprises 分布于3大洲13个国家Distributed across 13 countries on 3 continents 客户Clients 厂商经销商Vendors anddealers 区域Area 40.88% 30岁及以下30 and below 1.75% 51岁及以上51 and above 57.37% 31岁至50岁31 to 50 32.38 平均年龄Average age is平均从业年限Average years of experience ≈ years teams业务团队Business teams资质证书Qualification certificates 经济师economist 会计师accountant工程师engineer 律师lawyer政工师political counselor … 通过精专行业，公司培育了一支理解行业规律、熟悉设备特性的员工队伍，更好服务客户。“一讲就明、一点就通、一聊就懂”Through its specialized approach, the Company has built a team of professionals who are well-versed in industry trendsand equipment specifics, enabling them to serve clients more eectively. Our communication is so clear that a singleexplanation brings instant understanding, one key point immediately resonates, and a brief discussion suffices forcomplete clarity. （ 3 ）服务人才专 Specialized talents for services 35.61% 本科Bachelor's 0.18% 大专及以下Junior collegeand below 0.53% 博士Doctorate 63.68% 硕士Master's 学历 / Education年龄 / Age Chapter II 主动作为服务新质生产力江苏金租｜5958｜交通运输清洁能源高端装备以“场景化金融”方式融入设备销售环节。Integrating financing into the equipment sales process through “scenario-basedfinance.”厂商的设备销售到哪里，公司的金融租赁服务就跟进到哪里。Wherever a vendor sells equipment, the Company’s financial leasing servicesfollow.连接厂商经销商与终端客户，直达客户。By connecting vendors and dealers with end customers, products reach customersdirectly. 在区域小微聚集区、厂商销售密集区，部署业务团队，自主培育和储备客户资源。Deploying business teams in regions with concentrated small and microenterprises and high vendor sales density to independently cultivate and secureclient resources.与地方产业深度融合，第一时间服务地方小微企业。Deeply integrating with local industries to promptly serve local small and microenterprises. “设备云集，轻松租赁”?与小森印刷、中联环境、捷尔杰、美亚光电等多家优质设备厂商合作打造“乐租商城”线上租赁平台。整合厂商优质设备资源，为客户提供一站式租赁解决方案。“Equipment Convergence, EffortlessLeasing” — In collaboration with high-quality equipment manufacturers suchas KOMORI, Zoomlion Environmental,JLG, and Meyer, we have developed the“Leasing Mall” online leasing platform.By integrating top-tier vendor equipmentresources, we provide clients with one-stop leasing solutions.打破传统业务地域限制，实现设备租赁业务的线上化、智能化运营。This platform overcomes thegeographical limitations of traditionaloperations, enabling online andintelligent equipment leasing. 厂商租赁，高效服务Vendor leasing fore?cient services 区域直租，深入支持Regional direct leasingfor in-depth support 线上平台，广泛助力 Online platform for extensive assistance 公司积极发挥金融租赁“设备融资”专业功能，聚焦大规模设备更新需求，目前已形成了高端装备、清洁能源、交通运输三大百亿级板块领跑和100多个细分行业协同的“3+N”业务格局，年内支持20万多台套设备更新。The Company actively leverages its expertise in equipment financing to meet large-scale equipment upgradedemands. It has established a “3+N” business model—comprising three major sectors (high-end equipment,clean energy, and transportation), each with over 10-billion scale, alongside more than 100 collaborative nicheindustries. This model supported the upgrade of over 200,000 pieces of equipment throughout the year. 服务设备更新的具体领域Speci?c areas of serving equipment upgrades 详见“环境保护”相关篇章See the “Environmental Protection” section for details 01 服务绿色设备更新，共筑绿色未来Serving green equipment upgrades for building a green future together Chapter II 主动作为服务新质生产力江苏金租｜6160｜支持大国重器“国船国造”和江苏造船业加速发展，与江苏新时代、江南造船、扬州大洋等多家造船厂合作。Collaborating with shipyards such as New Times Shipbuilding, Jiangnan Shipbuilding, andYangzhou Dayang, the Company supports the “domestic manufacturing of vessels” initiative andthe accelerated development of Jiangsu’s shipbuilding industry.遍布中国香港及新加坡、荷兰、挪威、土耳其等二十多个国家和地区，累计投放船舶160多艘，船舶总运力达500万吨。Operating in more than 20 countries and regions—including Hong Kong, Singapore, theNetherlands, Norway, and Turkey—the Company has deployed over 160 vessels, with a totalshipping capacity of 5 million tons. 覆盖散货船、集装箱船、油气和化学品船、海工船等各类船型。Covering bulk carriers, container ships, oil, gas and chemical carriers, oshore vessels, and more. 公司支持“国船国造、走向深蓝”获得中央电视台英语频道报道。The Company’s support for “domestic manufacturing of seagoing vessels”received coverage on the CCTV English channel.与欧洲Yildirim集团合作的船舶租赁项目获国际权威海事金融杂志《MarineMoney》颁发的“年度租赁交易大奖”（The Leasing Deal of the Year）。A ship leasing project in collaboration with Europe’s Yildirim Groupreceived the “Leasing Deal of the Year” award from the internationallyauthoritative maritime finance magazine Marine Money. 外部认可Externalrecognition 客户Clients 船型Vessel types 合作伙伴Partners 02 服务交通运输，做好保通保畅Serving transportation for ensuring smooth anduninterrupted operations 持续加强知名车企厂商的业务对接，搭建直销网络，服务终端客户。Continuously strengthening engagement with renowned automobile manufacturers, establishingdirect sales networks, and serving end customers. 服务全国20多个城市的140家网约车公司及个体运营户，全年累计投放金额4亿元。Serving 140 ride-hailing companies and individual operators in over 20 cities nationwide, with atotal deployment amount of 400 million RMB.租赁行业渗透率排名第一，加大与头部环卫车厂商合作力度，扩大厂商驱动型的区域服务团队规模。年内支持近5000家客户更新清扫、喷洒、垃圾等环卫车辆，年内投放金额16亿元。With the highest penetration rate in the leasing industry, the Company has intensified cooperationwith leading sanitation vehicle vendors and expanded vendor-driven regional service teams.Theamount invested within the year is 1.6 billion RMB.深耕货运物流、冷链运输、石化运载等领域，加深专用车头部厂商合作，全年支持千余家客户购置搅拌车、冷藏车、清障车、压裂车等各类专用车辆，解决相关企业3亿元资金需求。With a deep focus on freight logistics, cold chain transportation, and petrochemical transport, theCompany has enhanced collaboration with leading specialty vehicle vendors, supporting over1,000 clients in acquiring a range of specialty vehicles, including mixer trucks, refrigerated trucks,recovery trucks, and fracturing trucks.We met the funding requirements of relevant enterprises,which amounted to 300 million RMB. 乘用车及商用车Passenger vehiclesand commercialvehicles 网约车Ride-hailingvehicles 环卫车Sanitation vehicles 专用车Specialtyvehicles （ 2）在汽车市场，建立乘用车、网约车、环卫车、专用车等多元板块。2024年，公司支持车辆采购6万余辆，投放近110亿元。In the automotive market, the Company has established diversified segments includingpassenger vehicles, ride-hailing vehicles, sanitation vehicles, and specialty vehicles.In 2024, the Company supported the procurement of over 60,000 vehicles, with aninvestment of nearly 11 billion RMB. （1 ）在船舶市场，助力国产船舶走向全球。In the maritime sector, the Company assists domestic vessels in entering globalmarkets. Chapter II 主动作为服务新质生产力江苏金租｜6362｜保障市政环卫有效运转Ensuring eective municipal sanitation operationsG环境服务有限公司是浙江省环卫行业龙头企业，在服务某市环卫车更新项目中，因考核期与服务费支付账期较长，流动资金承受较大压力。江苏金租深入了解企业前期设备采购情况及运营情况，为企业量身定制了金融租赁解决方案，提供了550万元融资支持，保障企业正常运营，支持项目有序开展。G Environmental Services Co., Ltd., a leading enterprise in Zhejiang’s sanitationindustry, faced substantial working capital pressures in a municipal sanitationvehicle upgrade project due to prolonged assessment and service fee paymentcycles. JFL conducted a thorough review of the Company’s previous equipmentprocurement and operational status and tailored a financial leasing solution,providing financing support of 5.5 million RMB to ensure smooth operations andfacilitate the project's orderly progression. 支持绿色重卡换新Supporting the replacement of green heavy-duty trucks在“双碳”目标背景下，H煤气有限公司在江苏金租的金融支持下，采购20台电动牵引车及自卸半挂车，主要用于焦炭、洗精煤等原材料及产品的运输工作，融资总额近2000万元。在江苏金租支持下，H公司在行业内率先淘汰全部燃油重卡，全面切换为三一电动重卡，成为该省首家实现绿色运输转型的企业。Amid the backdrop of the “peaking carbon dioxide emissions and achieving carbonneutrality”, H Gas Co., Ltd., with financial support from JFL, procured 20 electrictractors and self-dumping semi-trailers primarily for transporting raw materials andproducts such as coke and washed coal, with total financing amounting to nearly20 million RMB. With JFL’s backing, H Gas became the first company in the industryto completely phase out fuel-powered heavy-duty trucks in favor of Sany electricheavy-duty trucks, thereby pioneering a green transportation transformation in theprovince. 典型案例Case study 典型案例Case study 公司围绕制造业、农业、工程机械等领域，支持中小微企业实施技术改造、设备更新，带动产业整体向高端、智能、绿色方向升级。The Company, focusing on industries such as manufacturing, agriculture, and construction machinery, supports small andmicro enterprises in implementing technological transformations and equipment upgrades, thereby driving the overallindustry toward high-end, intelligent, and green development. 03 服务高端制造，助力新质生产力发展Serving high-end manufacturing and supporting thedevelopment of new-quality productivity 亿元亿元工业装备领域新增投放New investment in the fieldof industrial equipment 农业装备领域新增投放New investment in the fieldof agricultural equipment （２）农业装备Agricultural equipment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。截至2024年末，公司在合作农机厂商和经销商超1200家，实现对全球范围内主流农机品牌的全覆盖,年内农业装备领域新增投放90亿元。Keeping pace with the agricultural production cycle and focusing on thetransformation and upgrading needs of new agricultural operators and agri-animal enterprises, the Company continuously increased its service eortsin the agricultural machinery and animal husbandry markets. By the endof 2024, the Company cooperated with over 1,200 agricultural machineryvendors and dealers, achieving full coverage of mainstream globalagricultural machinery brands.The newly invested amount in the agriculturalequipment sector within the year is 9 billion RMB. （１）工业装备 Industrial equipment布局印刷包装、纺织、机械加工等领域。通过与海德堡、小森、立达等国内外一流设备厂商紧密合作，更高效地服务客户。2024年，公司在工业装备领域新增投放142亿元。The Company has presence in areas such as printing and packaging,textiles, and machining. Through close cooperation with top domestic andinternational equipment vendors such as Heidelberg, KOMORI, and Lida, Thecompany serves its customers more eciently. In 2024, the company newlyinvested 14.2 billion yuan in the industrial equipment sector. Chapter II 主动作为服务新质生产力江苏金租｜6564｜典型案例Case study 典型案例Case study 典型案例Case study 助力春耕“金种子”播撒田间Sowing “golden seeds” in the fields during springploughing2024年3月，江苏金租收到了来自内蒙古呼伦贝尔Y公司采购播种机的需求，当时距离大规模春耕播种已不足1个月，时间紧、任务重。江苏金租团队迅速行动，结合农业生产周期为企业定制了个性化的还款方案，价值930万元的10台豪狮播种机在春耕播种前高效到位。不仅及时满足了农机设备更新换代的需求，还为推广国产农机装备提供助力。In March 2024, JFL received a request from Company Y in Hulunbuir, Inner Mongolia,for the procurement of seeders. With less than one month remaining until thelarge-scale spring sowing, the task was hard and the company was pressed fortime. The JFL team quickly acted and, in line with the agricultural production cycle,customized a repayment plan for the enterprise. Ten HORSCH seeders valued at 9.3 million RMB were eciently delivered before the spring sowing began. This not only met the demand for upgrading agricultural machinery but also supported thepromotion of domestically produced agricultural equipment. 助力夏粮绿色仓储Supporting green storage for summer grain2024年，江苏S粮油公司计划新建7栋恒温仓和5000吨容量低温库，并通过将云计算、物联网以及智能控制等技术应用到仓储环节中，加快推动粮食仓储由“安全储粮”向“绿色优储”跃升。针对企业实际需求，公司充分发挥“融资+融物”的特色服务优势，快速融资2000万元，缓解企业燃眉之急。In 2024, Jiangsu S Grain & Oil Company planned to build 7 constant-temperaturewarehouses and a low-temperature storage facility with a capacity of 5,000 tons.By integrating cloud computing, the Internet of Things, and intelligent controltechnologies into the storage process, the Company accelerated the transition ofgrain storage from “secure storage” to “green and optimal storage.” In responseto the enterprise’s actual needs, JFL fully leveraged its unique “financing + assetleasing” service advantage to rapidly secure 20 million RMB in financing, alleviatingthe enterprise’s urgent cash flow needs. （３）工程设备Engineering equipment携手全球知名工程机械厂商，精准聚焦道路、桥梁、隧道等建设，提供挖掘、钻孔、桩工、码头吊装、沥青拌合、破碎掘进、高空作业等多元设备租赁服务。2024年，公司在工程机械领域投放金额83亿元。In cooperation with globally renowned construction machinery vendors,the Company precisely targets construction in roads, bridges, tunnels, andother areas, providing diversified equipment leasing services for excavation,drilling, piling, wharf lifting, asphalt mixing, rock breaking and tunneling,and high-altitude operations. In 2024, the company invested 8.3 billion RMBin the engineering equipment sector. 推动道路养护提质增效Enhancing road maintenance quality and eciency道路施工行业有“三分建设七分养”之说，陕西J机械科技公司肩负着当地公路养护的重任。在承接时间紧、要求高的陕西某高速公路项目后，J公司决定“破旧立新”，对传统的公路养护设备进行更新换代。但其他金融机构没有针对于此类项目的扶持性政策，公司无法获得短期、灵活的资金支持。江苏金租联合全球知名的工程机械制造商山猫Bobcat推出定制化方案，为其购买山猫滑移装载机设备，为企业发展注入新的活力。There is a saying in the road construction industry that “construction is 30%and maintenance is 70%.” Shaanxi J Machinery Technology Company shouldersthe responsibility for highway maintenance in its region. After undertaking ahigh-priority project on a Shaanxi expressway with tight timelines and highrequirements, J Machinery decided to “replace the old with the new” by upgradingtraditional highway maintenance equipment. However, other financial institutionsdid not have supportive policies for such projects, leaving the Company unable tosecure short-term, flexible financing support. JFL, in collaboration with the globallyrenowned construction machinery vendor Bobcat, launched a customized solution,enabling the purchase of Bobcat skid steer loaders and injecting new vitality intothe enterprise’s development. 亿元工程机械领域新增投放New investment in the fieldof construction machinery Chapter II 主动作为服务新质生产力江苏金租｜6766｜（1 ）教育产业 Education industry 聚焦民办教育量质齐升及健康发展的需求，支持民办高校、职业院校改扩建和采购信息化设备，建设智慧校园、智慧教室等。2024年，公司在教育板块投放金额25亿元。Focusing on the need for both quantitative and qualitative improvementsand the healthy development of private education, the Company supportsthe expansion and renovation of private colleges and vocational schools,as well as the procurement of information technology equipment to buildsmart campuses and smart classrooms. In 2024, the cumulative financingamount in the education segment reached 2.5 billion RMB. 公司以普惠金融、消费金融等为抓手，积极推进教育、文旅、医疗、养老等民生领域的大规模设备更新，为人民美好生活添砖加瓦。The Company, leveraging inclusive finance and consumer finance, actively promotes large-scale equipment upgrades insectors such as education, culture and tourism, healthcare, and elderly care, thereby contributing to the enhancement ofpeople’s quality of life. 04 服务民生事业，助力文教卫设备更新Serving the livelihood sector and supporting equipmentupgrades in the education, culture and healthcare industries （2 ）文旅行业 Cultural and tourism industry 积极探索文旅场景下的直租项目，结合文旅产业需求创新多样化服务，支持地方特色文旅精品化、特色化发展。2024年，公司在文旅板块投放金额43亿元。Actively exploring direct-leasing projects in cultural and tourism scenarios,the Company innovates diversified services tailored to the needs of thecultural and tourism industry, supports the development of distinctive andsuperior local cultural and tourism projects. In 2024, the company invested 4.3 billion RMB in the cultural and tourism industry. 典型案例Case study 雪场索道“焕新颜”，冰雪产业再升级Upgrading the ski industry by helping a ski resort replacecable cars吉林B滑雪场是世界滑雪黄金纬度带上的知名滑雪胜地，被誉为“粉雪天堂”。然而，面对索道设备超6000万元的高昂投资成本，该雪场在资金上遇到难题，项目建设一度陷入停滞。鉴于江苏金租在细分行业服务的客户多、口碑佳，滑雪场向江苏金租提出求助。江苏金租仔细勘察索道建设的规划路线，为其量身定制了一套切实可行的租赁方案，新索道建设顺利提上日程。Jilin B Ski Resort, a renowned ski destination located in the world’s golden latitudezone for skiing and hailed as the “Powder Snow Paradise,” faced funding dicultiesdue to the high investment cost of over 60 million RMB for cable car equipment,which had led to a project stall. Given JFL’s strong track record and excellentreputation in niche industry services, the ski resort sought assistance from JFL. Aftercarefully assessing the planned cable car route, JFL customized a practical leasingsolution, enabling the new cable car construction to be smoothly scheduled. 亿元教育板块投放金额Education sector investmentamount 亿元文旅板块投放金额Investment amount in thecultural and tourism sector Chapter II 主动作为服务新质生产力江苏金租｜6968｜典型案例Case study （3 ）医养行业Medical and elderly care industry在CT、核磁共振、血管造影等影像通用设备领域，与国内外知名厂商如GE、飞利浦、西门子、东软、联影医疗等保持密切合作，为购置设备的承租人提供配套资金支持。同时积极拓展医疗专科板块，业务覆盖口腔、宠物、眼科、康养、医药检测、骨科、医美等细分领域。2024年，公司在医疗健康领域投放金额25亿元。In the field of general imaging equipment such as CT, MRI, and angiography, theCompany maintains close cooperation with well-known domestic and internationalvendors such as GE, Philips, Siemens, Neusoft, and United Imaging. It providesmatching financial support for lessees purchasing equipment. At the same time,it actively expands into specialized medical segments, with business coveringdentistry, pet care, ophthalmology, elderly care, medical testing, orthopedics,aesthetic medicine, and other niche areas. In 2024, the company invested 2.5billion RMB in the industry. 养老金融助力“银发经济”Supporting the “silver economy” via elderly carefinance无锡M颐养社区由于废弃已久，设施陈旧。当地政府规划重新利用，补充当地康养资源。改造工程需要改造建筑面积超8500平方米，引进床位超百张，面临着不小的资金压力。江苏金租通过售后回租的方式，为其提供了1000万元的融资支持。该项目成功启动改造，M颐养社区投入使用后可容纳200多位老人居住，助力当地养老产业发展。Wuxi M Elderly Care Community, due to prolonged disuse and outdated facilities,was slated for redevelopment by the local government to supplement local elderlycare resources. The renovation project required upgrading over 8,500 squaremeters of building area and introducing over 100 beds, posing significant fundingpressure. JFL provided 10 million RMB in financing support through a sale-and-leaseback arrangement. Once the project was successfully initiated and the MElderly Care Community became operational, it could accommodate over 200elderly residents, thereby supporting the development of the local elderly careindustry. 公司围绕专精特新、高新技术、科创型企业等主体设备销售、生产经营需求，加速布局科技租赁业务，与浪潮、联想、戴尔、思科等信息科技厂商合作，开展计算机存储器、数据中心、检验检测、影视放映等科技设备租赁服务。The Company, focusing on the equipment sales, production, andoperational needs of specialized, refined, characteristic, and innovativeenterprises, has accelerated its layout in technology leasing business. Itcooperates with IT vendors such as Inspur, Lenovo, Dell, and Cisco to oerleasing services for technology equipment including computer memory,data centers, inspection and testing devices, and audiovisual equipment. 05 服务科技金融，支持科技产业发展Serving fintech and supporting the development ofthe technology industry （１）助力科技型厂商销售Assisting technology-oriented vendors in sales信息通信和智能办公设备Information and communication and intelligent oce equipment 影视设备Audiovisual equipment 生命科学设备Life science equipment 进一步深化与国内大型通信设备龙头企业的合作，积极开拓国内网络设备和安全设备租赁市场。Further deepening cooperation with leading domestic communicationequipment giants, and actively exploring the domestic leasing market fornetwork and security equipment. 与电影放映设备、电影拍摄器材等领军企业开展合作，推广联合促销活动，支持相关设备租赁。Cooperating with leading enterprises in film projection equipment andfilming equipment to promote joint promotional activities and support theleasing of related equipment. 为检测检验、基因测序、健康管理等行业的一流企业提供灵活、个性的科研及生产设备租赁服务。Providing flexible and customized leasing services for research andproduction equipment to leading enterprises in sectors such as inspectionand testing, gene sequencing, and health management. 亿元医疗健康领域投放金额Amount of investment in themedical and health field Chapter II 主动作为服务新质生产力江苏金租｜7170｜金融“滴灌”破解半导体企业融资难题“Targeted financial support” to solve the financingdiculties of a semiconductor enterprise 河南G科技公司是国内领先的半导体碳纤维制造企业，2023年被评为国家级“科技型企业”。为了扩大发展规模，公司急需购置价值1600万元的新设备补充产能。凭借对科技型中小企业需求的长期深挖与充分研究，江苏金租团队量身定制了“新品直租”的融资方案。该方案不仅满足了公司购买新设备的资金需求，还考虑到企业正处于上升发展的关键时期，将还款时间进行延长，大大减轻了公司的财务压力。同时，较低的利率也确保了公司的现金流稳定，为进一步扩大产能和科技创新提供了有力保障。Henan G Technology Company, a leading domestic semiconductor carbon fibervendor and recognized as a national “technology-oriented enterprise” in 2023,urgently needed to purchase new equipment worth 16 million RMB to supplementproduction capacity for expansion. Leveraging extensive research on the needsof technology-oriented SMEs, the JFL team customized a “direct leasing of newproducts” financing plan. This solution not only met the Company’s funding needsfor new equipment purchases, but also extended the repayment period duringits critical growth phase, significantly reducing financial pressure. Additionally,the relatively low interest rate ensured stable cash flow, thereby providing strongsupport for further capacity expansion and technological innovation. 典型案例Case study （2）支持科技型企业经营 Supporting the operations of technology-oriented enterprises 助力初创期科技型企业购置先进设备Assisting start-up technology companies in acquiring advancedequipment 支持扩张期科技型企业补充流动资金Support expanding tech enterprises to supplement their operational cash?ows 公司通过厂商租赁模式帮助企业引进国际先进设备，解决品牌、设备选型及融资难题。Through the vendor leasing model, the Company helps enterprisesintroduce internationally advanced equipment, addressing challenges inbrand selection, equipment selection, and financing. 公司针对高新技术、“专精特新小巨人”等科技型企业融资难的问题，持续加大金融服务力度。以科技型企业自有设备售后回租方式帮助客户盘活存量资产、改善财务状况。Addressing the financing challenges faced by high-tech and "specialized,refined, characteristic, and innovative SME Giant" tech enterprises, JFL continuesamplifying its financial services. By employing a sale and leaseback approachwith tech enterprises' own equipment, JFL helps clients revitalize assets andimprove financial standings. 公司与法巴租赁合资，设立全国第一家专门开展农业和科技设备租赁的金融租赁专业子公司，为高端装备、科技设备购置引进提供国际化服务，进一步提高产业的科技含量和创新能力。In a joint venture with BNP Paribas Leasing Solutions, the Companyestablished the nation’s first specialized financial leasing subsidiary focusingon agricultural and technical equipment leasing, offering internationalservices for the procurement and introduction of high-end equipment andtechnology, thereby further enhancing the technological competitivenessand innovation capability of the industry. 成立农科专业子公司Establishment of a specialized agriculture and technology subsidiary Chapter II 主动作为服务新质生产力江苏金租｜7372｜ 2024年，公司聚焦工业设备、农业装备、工程机械、交通运输等细分市场，为小微客户提供近560亿元资金支持，同比增长22%。In 2024, the Company concentrated on segmented markets such as industrial andagricultural equipment, construction machinery, and transportation, providingnearly 56 billion yuan in new funding to various small and micro clients, markingan increase of 22% from the previous year.平等对待小微企业践行普惠金融Equal treatment of smalland micro enterprises andinclusive finance practice 议题 / Topic 60,000 + 亿笔新增投放New business volume 年投放项目数Annual number ofprojects launched公司将平等对待小微企业作为重要使命，深耕细作普惠金融领域，积极服务农户、个体工商户以及小微企业等普惠金融客户群体，全力打造可及性高、便捷性强且灵活多样的普惠金融服务体系。2024年公司投放项目数6万余笔，其中98%为小微客户，单均融资额低至一百万左右。The Company regards equal treatment of small and micro enterprises as an importantmission, deeply cultivating the field of inclusive finance. It actively serves inclusivefinance client groups such as farmers, self-employed entrepreneurs, and small andmicro enterprises, and is committed to building a highly accessible, convenient, andflexible inclusive finance service system. In 2024, the company launched more than60,000 projects. 98% of the clients were micro and small enterprises, and the averagefinancing amount per transaction was as low as approximately one million RMB. % % 同比增长 Year-on-year growth 小微客户占比Proportion of smalland micro customers 2024公司聚焦细分市场The company focuses onsegmented markets 交通运输Transportation 工业设备industrialequipment 农业装备Agriculturalequipment 工程机械constructionmachinery …… Chapter II 主动作为服务新质生产力江苏金租｜7574｜服务地域广泛Extensive service regions 公司小微服务地区广泛，能够支持各地区客户需要The Company’s small and micro enterprise services cover a widerange of regions, capable of supporting client needs in variousareas. 32.35 % 18.63 % 19.65 % 南海诸岛普惠金融租赁资产分布图Distribution map of leased assets involvedin inclusive finance 环渤海存量普惠资产占比Proportion of inclusive assets in the Bohai Rim 长三角存量普惠资产占比Proportion of inclusive assets in the Yangtze River Delta 泛珠三角存量普惠资产占比Proportion of inclusive assets in the Greater Pearl River Delta Chapter II 主动作为服务新质生产力江苏金租｜7776｜服务领域多元，广覆各行业金融需求Diverse service fields to addressingvarious industry financial needs 在印刷包装、轻工纺织、机械加工等领域，与小森、立达等超百家主流设备厂商紧密合作，为超千家小微工业企业设备更新提供支持。In areas such as printing and packaging, light industry textiles, and machining, the Company is in closecooperation with over 100 mainstream equipment vendors such as KOMORI and Rieter. Support has beenprovided for equipment upgrades in over 1,000 small and micro industrial enterprises. 积极拓展农牧养殖、农产品加工等上下游领域，全方位助力农业发展。通过创设专业子公司、深化业内龙头厂商经销商合作，有效引入国际资源，覆盖农业装备主流品牌，有效服务小微客户。in planting, actively expanding into upstream and downstream sectors such as animal husbandry andagricultural product processing, and comprehensively supports agricultural development. By establishingspecialized subsidiaries and deepening cooperation with leading industry vendors and dealers, internationalresources have been eectively introduced, covering mainstream agricultural equipment brands to serve smalland micro enterprises. 节能环保领域，与储能头部厂商合作，拓展垃圾发电、水电市场。In the energy conservation and environmental protection sector, incooperation with leading storage vendors, the Company expands intowaste-to-power and hydropower markets. 节能环保energy conservation and environmental protection 清洁能源领域，创新升级工商分布式光伏产品、深化与电站建设龙头合作，为小微清洁能源企业提供支持。In the clean energy sector, the Company innovates and upgrades distributedphotovoltaic products for industrial and commercial use, deepeningcooperation with leading power station construction companies to supportsmall and micro clean energy enterprises. 清洁能源clean energy 绿色交通领域，推进商用车、环卫、城市出行等业务，孵化充电桩项目。In the green transportation sector, the Company advances businesses suchas commercial vehicles, sanitation, and urban mobility, and incubatescharging pile projects. 绿色交通green transportation 01 服务小微制造业产业集群，支持小微企业购置高端设备The Company serve small and micro manufacturing industry clusters, andsupport small and micro enterprises in acquiring high-end equipment 02 聚焦“三农”小微客户，深耕种植业全产业链Focusing on small and micro clients related to “agriculture, rural areas andrural people”, the Company deeply cultivates the entire agricultural industrychain 03 服务“绿色”产业，支持小微企业更新设备Serving the “green” industry and supporting small and micro enterprises inequipment upgrades Chapter II 主动作为服务新质生产力江苏金租｜7978｜露天煤矿采剥领域，持续巩固沥青搅拌站、桩机施工等优势业务，拓展与国内外品牌合作，开发特色回租产品。In open-pit coal mine stripping sector, the Company continues toconsolidate its advantageous businesses in asphalt mixing plants and pilingmachine construction, expands cooperation with domestic and internationalbrands, and develops specialized sale-and-leaseback products. 露天矿采open-pit coal mine stripping 交通工程建设领域，积极与中标企业携手，为滇藏、川藏、新藏线铁路建设等重大项目的下游分包商排忧解难。In the transportation and engineering construction sector, the Companyactively collaborates with winning bidders to address challenges fordownstream subcontractors in major projects such as the Yunnan-Tibet,Sichuan-Tibetan, and Xinjiang-Tibet railways. 工程建设transportation and engineering construction 助力江苏农牧微企焕新蝶变Helping a Jiangsu agricultural and animal husbandry smallenterprise transform and upgradeH食品（集团）股份有限公司，是一家主营白羽肉鸡养殖与加工的微型企业。2024年1月，计划新建标准化养殖基地与现代化孵化中心，却因市场波动、饲料原料涨价，在孵化场建设时面临资金缺口。江苏金租深入了解其资金需求与运营状况，迅速定制融资方案，提供近500万元资金。截至2024年末，公司累计为其提供超2500万元融资支持，助力其实现现代化转型。H Food (Group) Co., Ltd., a micro enterprise specializing in white feather broiler breedingand processing, planned to establish a standardized breeding base and modernincubation center in January 2024. However, due to market ?uctuations and rising feedcosts, a funding gap emerged during the construction of the incubation center. JFLthoroughly assessed its funding needs and operational conditions, quickly customizeda financing plan, and provided nearly 5 million RMB in funding support. By the end of2024, the Company had cumulatively provided over 25 million RMB in ?nancing support,assisting the enterprise in achieving a modern transformation. 典型案例Case study 精心筛选适配的设备类型与品牌，为小微企业客户量身打造融资服务。The Company provides financing assistance to small and micro enterprises by carefully selecting suitable equipmenttypes and brands. 04 聚焦工程机械行业，为小微企业提供融资助力In the engineering machinery industry,and tailoring financing services for smalland micro enterprise clients Chapter II 主动作为服务新质生产力江苏金租｜8180｜典型案例Case study 坚持战略导向a strategic focus坚持问题导向a problem‐solving approach坚持“三步走”思路It follows a "three-phase" strategy 贯彻“三个坚持”It upholds "threeguiding principles" 升级数字金融赋能业务发展议题 / Topic 坚持与业务的融合发展seamless integration withbusiness development 支撑Enablement 融合Integration引领Leadership Upgrading digital finance toempower business growth 2024年，信息科技让业务更具竞争力、风控更加有效、管理更加精细化。In 2024, digital technology enhanced business competitiveness, optimized risk control, and enabled morerefined management. 2024年，公司持续微服务架构研发，构建敏捷业务集群，自主开发新增23个系统，上线了2485个功能点，覆盖汽车金融、农业机械、机械加工、分布式光伏等多个细分领域，新增实现超170多种业务场景线上化，将金融服务触达偏远地区及小微客群，全年新增服务客户6万余户，其中个人和小微企业占比98%。In 2024, the Company continued to advance its microservice architecture development, building agile businessclusters and independently developing 23 new systems. We launched 2,485 functional modules across multipleniche sectors such as automotive finance, agricultural machinery, mechanical processing, distributed PVsystems, and enabled over 170 business scenarios to go online. This expansion has extended financial servicesto remote regions and micro- and small-enterprises. Over the year, we added over 60,000 new clients, withindividuals and micro-enterprises accounting for 98%. 01 构建垂直领域尽调评审架构，孵化产业、科技、金融知识体系Establishing a vertical-sector due diligence review framework to incubateindustry, technology, and financial knowledge systems 构建敏捷业务集群，释放科技价值Building agile business clusters to unleashtechnological value "3+X"智能尽调评审系统沉淀客户基础信息、资金往来流水、不同行业的风险评价指标、设备运行数据等12大类400多个核心数据字段，构建起覆盖租前尽调、租中审批、租后管理的全周期数据模型。项目审批效率提升17%。The “3+X” intelligent due diligence system aggregates more than 400 core data fields across 12categories—including client profiles, transaction turnover, industry-specific risk evaluation indicators,and equipment performance data—to build a full-cycle data model that spans pre-leasing duediligence, in-leasing approvals, and post-leasing management, thereby improving project approvaleciency by 17%. 自定义配置300多个特色评审指标Customization of over 300 specialized evaluation indicators + + 个个% 尽调评审核心数据Due diligence review ofcore data特色评审指标Characteristic evaluationindicators 审批效率提升Improved approvale?ciency 3X基础服务basic services 外部数据服务External dataservices 客户公共服务standardizedclient services 流程引擎服务process engineservices 行业参数矩阵industry parameter matrix区域直租Covering sectorssuch as regionaldirect leasing 小企业回租SME lease-back 分布式光伏distributed PV 农业机械agricultural machinery汽车金融等行业automotivefinance ... 创新"3+X"智能尽调评审系统Innovative “3+X” intelligent due diligence review system 系统基于微服务架构理念。The system is based on a microservice architecture concept. Chapter II 主动作为服务新质生产力江苏金租｜8382｜ 02 建设多维度多样化复杂策略、模型，提升全流程防控风险能力Developing multidimensional, diversified, and complex strategies andmodels to enhance full-process risk control capabilities在零售业务的风险防控体系建设中，公司通过模型策略优化和反欺诈识别双轮驱动，构建覆盖零售业务全流程的动态防护网络。In building the risk control framework for retail business, the Company employs a dual-engine approach—modelstrategy optimization and anti-fraud identification—to create a dynamic protection network covering the fullprocess of retail business. 双轮驱动dual-engineapproach 模型快速迭代Rapid iteration of the model 反欺诈全流程管理 Full-processmanagement ofanti-fraud 聚焦行业性的风险识别与动态监测，实现精细化升级。Focus on industry-specific riskidentification and dynamicmonitoring to achieve refinedupgrades. 搭建经销商评级策略，将经销商划分为A、B、C、D、E五个等级，并根据等级对经销商和厂商实施差异化的风险定价策略，从而在风险管理与收益优化之间寻找平衡。We have established a distributor ratingstrategy that classifies distributorsinto five levels—A, B, C, D, and E—and implements differentiated risk-pricing strategies for distributors andvendors based on their levels, therebybalancing risk management with yieldoptimization.经销商评级distributor rating 引入在线音视频风险识别技术，通过人脸核验与电子签名双重校验，防范合同代签、内容篡改等欺诈行为;The Company integrated online audio–video risk identification technology with dual verification (facial recognition andelectronic signatures) to prevent fraudulent practices such as unauthorized contract signing and content tampering;在数字评审系统中接入司法不良、腾讯反欺诈分等数据源，开发车辆、农机零售业务专属反欺诈模块。it also incorporated data sources like negative judicial records and Tencent anti-fraud scores into its digital evaluationsystem, and developed dedicated anti-fraud modules for vehicle and agricultural machinery retail.前端入口Front-end measures 上线音视频尽调功能，通过语义分析，识别客户交易实质；The Company introduced an audio–video due diligence function that uses semantic analysis to discern the true nature ofclient transactions;上线视频交付自动核查功能，确保租赁物真实交付。Launch the automatic video verification function for deliveries to ensure the real delivery of the leased assets.交付环节Delivery stage 上线反欺诈案件管理系统，实现案件上报、跨部门协查及风险判定全流程线上化闭环。The Company launched an online anti-fraud case management system, creating a closed-loop process for casereporting, cross-departmental investigations, and risk assessment.案件管理Case management 开发厂商经销商数字化管控平台，读取反欺诈案件的实时数据，实现经销商资质准入、动态评级、合作冻结等12个核心环节线上化操作，并为3000多家合作商建立动态更新的信用档案库。We have developed a digital control platform for vendors and distributors that ingests real-time anti-fraud case datato automate online 12 core processes, including distributor qualification admission, dynamic rating, and cooperationsuspension. Additionally, we have built a dynamically updated credit dossier database for over 3,000 partners.经销商管理Distributor management 模型策略优化Model strategy optimization 反欺诈识别 Anti-fraudidentification 客户画像策略client-profilingstrategies 租前预审准入策略 pre-leaseadmission review strategies 租中自动审批策略automated approval strategies during lease 租后烽火预警监测系统post-lease Beaconearly-warningmonitoringsystem 动态监测dynamic monitoring a. b. BCDE A Chapter II 主动作为服务新质生产力江苏金租｜8584｜公司在实现各类业务场景过程中，积极连接丰富外部资源，为员工打造更高效的办公环境，为客户提供更加高效的产品体验。Throughout various business scenarios, the Company actively connects with a wide range of external resources tocreate a more e?cient work environment for its sta? and deliver superior product experiences to its clients. 整合丰富外部资源，数字化工程提升服务管理效能Leveraging a wide range of external resourcesand digital engineering to enhance service-management eciency 携手阿里、携程、滴滴等商旅、出行资源，结合公司内控管理要求，重塑差旅出行流程，实现了0碳差旅出行，支持“全线上预定、免垫资、免开票、免报销”，全程没有线下流程。The Company launched the “Smart Business Travel” system in partnership with travel and mobility giants suchas Alibaba, Ctrip, and Didi. In line with internal control requirements, the system reengineered the travel processto achieve zero-carbon business travel. It supports fully online booking, no prepayments, no invoicing, and noreimbursement, completely eliminating oine procedures. 01 上线"智慧商旅"系统The Company launched the “Smart Business Travel” system 汽车金融业务?构建专项风控矩阵Constructing a dedicated risk-control matrix forautomotive finance business 典型案例Case study 风险全面识别Comprehensive risk identification 复杂风险预警Complex risk early warning 全流程监测 Full-processmonitoring 2024年，公司上线乘用车客户评级模型，优化黑名单规则、整合司法涉诉数据，将高风险客户拦截率提升至89%。In 2024, the Company launched a clientrating model for the passenger vehiclesegment, optimized blacklist rules, andintegrated legal litigation data to raise theinterception rate for high-risk clients to 89%. 通过知识图谱技术识别关联方担保、多头借贷等复杂风险网络，集中性风险预警准确率达92.3%。The Company applied knowledge graphtechnology to identify intricate risk networks(such as related-party guarantees andmultiple borrowing scenarios), achieving acentralized risk early warning accuracy of 92.3%. 迭代全流程风险监测体系2.0，新增业务分布热力图、规则命中分析等五大模块，并针对汽车金融总对总业务（特斯拉、小米、通用汽车等厂商）定制包含18个监测指标的差异化策略包，实现从租前准入到租后行为的全景监测。We have iterated our full-process risk monitoring system to version 2.0 with fivenew modules (including business distribution maps, rule match analysis), andhave customized an 18-indicator differentiation strategy package for corporate-to-corporate automotive finance business (manufacturers such as Tesla, Xiaomi,and General Motors), achieving panoramic monitoring from pre-lease admissionthrough post-lease behavior. 风险预警准确率达Risk Early Warning Accuracy 92.3 % % 风险拦截率提升至Interception Rate For Risk 运用OCR识别技术实现纸质/电子票据统一解析入库、税务核验真伪，支持增值税专票、电子普票等18类票种自动查验，自动付款。实现开票、验票完全无纸化，票据管理综合成本下降42%。The Company introduced the “Tax Assistant” (“Shuiletong”)intelligent financial and tax system, which independently interfaceswith the State Taxation Administration’s “Leqi” platform. UtilizingOCR technology, the system uniformly processes paper andelectronic invoices, verifies authenticity, and automatically checks18 types of invoices (including special and electronic generalVAT invoices) and processes automatic payments, achieving acompletely paperless invoicing process and a 42% reduction inoverall invoice management costs. 02 上线"税乐通"智能财税系统The Company introduced the “Tax Assistant” (“Shuiletong”)intelligent financial and tax system Chapter II 主动作为服务新质生产力江苏金租｜8786｜典型案例Case study 车辆抵押是车辆融资业务中重要的一环，传统模式下，客户融资购车办理上牌后，需收集车辆登记证、抵押合同、委托书等纸质材料，前往车管所办理车辆抵押业务，既耗时又麻烦。Vehicle mortgage is a critical step in vehicle financing. Traditionally, after financing a vehiclepurchase and completing registration, clients had to gather paper documents such as the vehicleregistration certificate, mortgage contract, and authorization letter, and then visit the vehicleadministration oce—a process that was both time-consuming and cumbersome.2024年，公司联合公安部抵解押服务平台，推出线上抵解押系统。客户在"车乐租" APP 上签署合同及相关授权后，解抵押系统自动核验客户信息、车辆信息、电子影像件等相关信息并推送至公安部，客户在上牌时顺手就能完成车辆抵押。全程"0纸质材料，0二次跑腿"，客户融资购车体验大幅提升。In 2024, in partnership with the Ministry of Public Security’s mortgage and release serviceplatform, the Company launched an online mortgage and release system. After signing contractsand granting necessary authorizations via the “Vehicle Leasing” APP, the system automaticallyverifies client and vehicle details, along with electronic images, and transmits this information tothe Ministry of Public Security. This allows clients to complete the mortgage process seamlesslyduring vehicle registration. With zero paper documents and no repeat trips, this system greatlyenhances the experience of financing for vehicle purchase. 行业首家线上直联抵解押平台，让客户"少跑一趟"The industry’s first direct online mortgage and release platform –saving clients a trip 典型案例Case study “智管万物”连接了多家车辆、工程、农机、光伏厂商的原厂设备管理系统，平台实时监测数十万台租赁物租后运营。设备运营数据结合有效的企业外部风险数据，根据不同行业的风险检测模型，通过“烽火”租后风险预警系统实时发送给客户经理，形成风险事件处理闭环。The “Smart IoT Manager” platform is connected to original-equipment management systemsfrom multiple vehicle, engineering, agricultural machinery, and PV vendors, monitoring hundredsof thousands of leased assets in real time. Equipment operational data, combined with eectiveexternal corporate risk data and industry-specific risk detection models, are transmitted via the“Beacon” post-lease risk early-warning system to account managers in real time, forming aclosed loop for risk event handling. 应用IOT技术，连接多方资源，夯实“智管万物”租赁物管理Applying IoT technology to connect multiple resources andstrengthen the leased asset management of “Smart IoT Manager” “智管万物”租赁物管理平台“Smart IoT Manager” leased asset management platform 2024年，公司升级“智管万物”租赁物管理平台In 2024, the Company upgraded the “Smart IoT Manager” leased asset management platform 开发developing新增adding 汽车金融GPS前置管理系统automotive finance GPS front-endmanagement system企业“工业互联”前置系统enterprise “Industrial Interconnection”front-end system 多个物联网管理系统adding multiple IoTmanagement systems 智管万物Smart IoT Manager Chapter II 主动作为服务新质生产力江苏金租｜8988｜典型案例Case study探索人工智能技术，落地重点应用场景Exploring AI technologies and implementing keyapplication scenarios 公司正积极探索用AI思维和技术重塑各类业务场景的可能。“慧眼方通”AI智能体应用于放款材料质检，“慧言拾音”AI智能体应用于营销、客服语音质检，及基于知识图谱构建的“客户关系网络”非结构化分析等场景，不仅显著提升了业务效率，还在风险防控与客户服务中实现了重要突破。公司得以在复杂多变的环境中快速响应市场需求，提升业务服务效能。The Company is actively exploring the potential of AI thinking and technologies to reshape various businessscenarios. The “Huiyan Fangtong” AI agent is applied to quality inspection of disbursement materials; the“Huiyan Shiyin” AI agent is applied to marketing and client service voice quality inspection; and the knowledge-graph-based “Client Relationship Network” is used for unstructured analysis. These applications not onlysignificantly improve business efficiency but also achieve important breakthroughs in risk control and clientservice, enabling the Company to respond rapidly to market demands in complex and dynamic environmentsand enhance service delivery eciency. 打造“慧眼方通”、“慧言拾音”AI智能体，显著提升业务服务能力Developing the “Huiyan Fangtong” and “Huiyan Shiyin”AI agents to significantly enhance business servicecapabilities 以汽车金融放款审核系统为例，通过AI大模型对各类影像件和合同文本进行逐一的工程化调试，错误比对识别准确率高达92%，不仅大幅减少了人工审核的出错可能，还将人力成本降低了60%。In the auto finance disbursementreview system, by applying AI largemodels to engineering-level tuningof various image documents andcontract texts, we have achieved a92% accuracy rate in error comparisonand recognition, substantiallyreducing manual review errors andlowering labor costs by 60%. 小企业金融“慧言拾音”语音质检系统针对营销电话、视频尽调、客服和催收环节的服务质量展开智能分析，能够精准标记的规则关键词，从而显著提升业务服务能力。Additionally, the SME finance“Huiyan Shiyin” voice-quality inspectionsystem conducts intelligent analysis ofmarketing calls, video due diligence,client service, and collection interactions,precisely tagging rule-based keywordsand thereby markedly enhancingservice quality. 服务质量智能分析，精准标记规则关键词system conducts intelligent analysis, precisely tagging rule-based keywords 慧言拾音Huiyan Shiyin 营销电话MarketingCalls 视频尽调Video DueDiligence 客服ClientService 催收环节CollectionInteractions 影像件比对image documentscomparisonrecognition 合同文本比对Contract Texts ComparisonRecognition慧眼方通Huiyan Fangtong 9260%% 错误比对识别准确率高达error comparison andrecognition accuracy rate 人力成本降低了Lowering Labor Costs Chapter II 主动作为服务新质生产力江苏金租｜9190｜ 02 自研创新与知识产权保护 In-house innovation and intellectual property protection 强化信息科技治理，筑牢安全底线Strengthening IT governance to to safeguardsecurity 公司严格遵守《个人信息保护法》等法规，在数据分类分级管理上，细化出6大类、18小类数据分类，并针对核心业务数据（如客户征信信息和合同文本）采取了加密存储和动态脱敏等安全措施，有效降低了数据泄露风险，全年未发生任何数据泄露事件。The Company strictly complies with the Personal Information Protection Law and related regulations, dividingdata into 6 major categories and 18 subcategories. For critical business data (such as client credit records andcontract texts), it employs encrypted storage and dynamic desensitization measures to eectively reduce therisk of data breaches, with no incidents reported throughout the year.在信息安全领域，公司顺利完成了ISO27001:2022信息安全管理体系的转版审核认证。这一认证不仅提升了信息安全管理体系的时效性和合规性，也进一步增强了我们在面对复杂信息安全挑战时的防控能力，为企业的数据安全保驾护航。In the realm of information security, the successfully completed the re-certification audit for its ISO27001:2022Information Security Management System. This certification not only enhances the responsiveness and complianceof its information security management system but also significantly strengthens its ability to prevent and mitigatecomplex information security security challenges, thereby safeguarding its corporate data. 01 数据安全与隐私保护Data security and privacy protection DCMM证书DCMM certificate 2024年，公司持续推进全技术栈自主可控，新增前、后端组件43件，获得软件开发CMMI3级认证。自研分布式微服务组件支持每月投产一个新系统，赋能业务快速迭代，增强服务小微客户能力。In 2024, the Company continued advancing full technologicalautonomy by adding 43 new front-end and back-end modulesand achieving CMMI Level 3 certification for software development.Its self-developed distributed microservice module now supportslaunching a new system every month, enabling rapid businessiterations and enhancing service capabilities for small and microenterprises. 发明专利证书Invention patent certificates 计算机软件著作权Computer Software Copyright 公司在知识产权保护方面也取得了显著成果，全年新增19件自主创新的信息科技发明专利。The Company also made significant strides in protecting intellectualproperty, securing 19 new independent invention patents in the IT fieldover the year. 新增自主创新信息科技发明专利 New independent invention patents in the IT field 件 Chapter III 心怀绿意守护生态环境江苏金租｜9392｜心怀绿意守护生态环境 Green Development – Protecting theEnvironment Chapter III Chapter III 心怀绿意守护生态环境江苏金租｜9594｜随着全球生态环境面临诸多挑战，环境保护不再仅仅是一句口号，而是全人类共同奔赴的使命。公司深刻认识到，金融的力量不仅在于推动经济增长，更在于引导资源流向可持续发展的方向。2024年，公司以绿色金融、绿色融资、绿色运营为发力点，积极投身于环境保护事业。As the global ecological environment faces numerous challenges, environmentalprotection is no longer merely a slogan but a mission shared by all humanity.The Company deeply recognizes that the power of finance lies not only in drivingeconomic growth but also in directing resources for sustainable development. In2024, the Company focused on green ?nance, green ?nancing, and green operations,actively engaging in environmental protection e?orts. 由公司提供融资支持的民钦光伏发电项目入选上海市融资租赁行业协会首届全国绿色租赁创新案例名单。The Minqin PV power generation project, which received ?nancing support from theCompany, was selected as one of the ?rst national green leasing innovation cases bythe Shanghai Financial Leasing Industry Association.公司金融租赁助力产业绿色发展案例获《金融时报》《中国银行保险报》《中国证券报》等主流媒体报道。The Company’s ?nancial leasing cases in promoting industrial green developmentwere reported by mainstream media such as the Financial Times, China Banking andInsurance News, and China Securities Journal. 外部评价： External evaluation: 公司强化战略引领，将践行绿色金融纳入战略规划，确立了绿色租赁业务发展的战略目标。The Company strengthened strategic leadership by incorporating the practiceof green finance into its strategic planning and setting strategic goals for thedevelopment of green leasing business. 践行绿色金融Green finance practices 议题 / Topic 绿色金融管理Green ?nance management 01 治理架构 Governance structure 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。Relevant functional departments are responsible for implementing requirementsof green leasing policies, including investigating and assessing customers’environmental and social risks, 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. 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。The Board of Directors is responsiblefor approving the Company's strategicdevelopment plans, including greenleasing development plans, andregularly reviewing and approvinggreen leasing work reports submittedby the management team, andsupervising and evaluating theimplementation of relevant strategicobjectives. 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，建立健全相关内部机制。The management team is responsiblefor incorporating green leasingdevelopment into the Company'sstrategies for planning, developinggreen leasing policies and regulations,and establishing and improvingrelevant internal mechanisms. 管理层Management layer执行层Execution layer 决策层Decision- making layer Chapter III 心怀绿意守护生态环境江苏金租｜9796｜ 02 制度保障Institutional guarantees 公司制订了《绿色租赁管理办法》，为绿色租赁开展提供制度保障。The Company formulated the “Green Leasing Management Measures” to provide an institutional guarantee for thedevelopment of green leasing. 一是通过合理分配资金、优先配置资源等方式支持绿色租赁业务发展。Firstly, by reasonably allocatingfunds and prioritizing resourceconfiguration, it supports thedevelopment of the greenleasing business. 二是优化内部流程，提升绿色租赁产品的研发、审批、推广速度。Secondly, it optimizes internalprocesses to enhance the speedof research and development,approval, and promotion ofgreen leasing products. 三是规范中、高风险客户准入、跟踪管理和退出机制。Thirdly, it standardizes theadmission, monitoring, and exitmechanisms for medium andhigh-risk clients. 04 考核机制Evaluation mechanism 05 科技赋能 Technological empowerment 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。The Company strengthened the evaluations of environmental and social risksby adding penalty items to green leasing evaluations, such as expansion ofbusiness scale in restricted industries and provision of services to customerswith significant environmental and social risks in violation of regulations. 公司借助大数据与人工智能技术，实现绿色租赁项目的高效处理与风险防控。Leveraging big data and artificial intelligence technologies, the Company achieved efficient processing and riskprevention for green leasing projects. 监测绿色租赁客户的征信、中登、司法等外部数据，若出现异动推送客户经理回访确认。The platform monitors external data such as credit, China Securities Depositoryand Clearing Corporation, and judicial information of green leasing clients, and ifany anomalies occur, triggers a follow-up by the client manager. 通过天、地、人、网模块，智管万物平台实现对绿色租赁资产的全面管理和监控。显著提高了租赁物的管理效率和安全性。Through the “Sky, Ground, Men, Network” modules, the “Smart IoT Manager”platform achieves comprehensive management and monitoring of green leasingassets, significantly enhancing the management eciency and security of leasedproperty. 与厂商共建共享在线服务平台，打通进单、审批到签约、投放全流程。针对绿色租赁业务特点配套开发自动决策引擎，实现绿色零售项目的秒级审批、快速投放。The Company co-build and share an online service platform with vendors tostreamline the entire process from order entry, approval, signing, to deployment. Inaccordance with the characteristics of green leasing, an automated decision-making engine was developed to achieve second-level approval and rapiddeployment for green retail projects. 赋能绿色项目预警监测Empowering earlywarning monitoring ofgreen projects 赋能绿色资产智慧管控Empowering intelligentmanagement of green assets 赋能绿色项目高效处理 Empowering ecienthandling of greenprojects 03 尽职调查Due diligence investigation为落实监管部门《绿色金融指引》文件要求，公司在项目申报环节强化对客户ESG情况的自查，2024年新增“经营活动是否涉及业务排除清单”“是否涉及产业政策与行业准入政策限制的行业”“环境和社会风险隐患”等5项自查指标，细化各类客户的ESG风险评估。To comply with the regulatory requirements in the “Green Finance Guidelines,” the Company strengthened self-inspections on clients’ ESG conditions during project application. In 2024, five new self-inspection indicators wereadded—“whether business activities involve items on the exclusion list,” “whether they involve industries restrictedby industrial policies or industry access policies,” and “environmental and social risk hazards”—to refine the ESG riskassessment for various clients. Chapter III 心怀绿意守护生态环境江苏金租｜9998｜ 2024年，加大对于清洁能源、环保设施、绿色出行等重点领域的绿色租赁服务力度。In 2024, the Company increased its green leasing services in keyareas such as clean energy, environmental protection facilities, andgreen mobility.截至目前，江苏金租围绕风电、储能、氢能、户用光伏、垃圾发电、污水处理等能源环保行业，累计投放近900亿元。Up to now, JFL has has cumulatively invested nearly 90 billion yuanin energy and environmental protection industries—including windpower, energy storage, hydrogen energy, residential PV, waste-to-power, and sewage treatment. 2024年，投放绿色租赁项目229亿元，同比增长17%；投放合同数1.28万笔，同比增长156%。截至年末，绿色租赁业务余额414亿元，同比增长33%，约占租赁业务余额的32%。In 2024, funds for green leasing projects reached 22.9 billion RMB, a year-on-year increase of 17%; the numberof leasing contracts reached 12,800, a year-on-year increase of 156%. By the end of the year, the balance ofgreen leasing business was 41.4 billion RMB, a year-on-year increase of 33%, accounting for approximately 32%of the total leasing business balance. 绿色金融实践Green ?nance practices 亿投放能源环保行业Invest in the energy andenvironmental protectionindustry 01 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 energystructure公司积极服务集中式光伏、风电、分布式光伏等多个细分市场，2024年新增装机规模约10.5GW，相当于每年产生清洁电力150亿度，节约标准煤456万吨，减少二氧化碳排放1120万吨。The Company actively serves various sub-markets including centralized PV, wind power, and distributed PV. In2024, the newly installed capacity increased by approximately 10.5 GW, generating 15 billion kilowatt-hours ofclean electricity annually, saving 4.56 million tons of standard coal, and reducing carbon dioxide emissions by 11.2 million tons. 10.5 GW新增装机规模约Approximately new installed capacity 4561120 亿度万吨万吨产生清洁电力Generate clean electricity 节约标准煤Save standard coal 减少二氧化碳排放Reduce carbon dioxide emissions 2291.28414 1715633 亿万笔亿 %%% % 投放绿色租赁项目Funds for green leasingprojects reached 投放合同数Leasing contractsreached 绿色租赁业务余额Balance of green leasingbusiness 同比增长Year-on-year growth 同比增长Year-on-year growth 同比增长Year-on-year growth 占租赁业务余额Accounting for the balanceof leasing business Chapter III 心怀绿意守护生态环境江苏金租｜101100｜深入一线调研客户需求，推出“闪光租”产品，全面升级业务管理系统，提高客户响应效率，解决工商业分布式光伏业务“多、小、散”的难题，审批时效实现“T+0”。After in-depth research on client needs, the Company launched the “PVEquipment Leasing” product, comprehensively upgraded its businessmanagement system, improved client response efficiency, and resolved thechallenges of “many, small, and scattered” in industrial and commercialdistributed PV business, achieving same-day (“T+0”) approval eciency. 公司深度挖掘与行业龙头总包商合作渠道，与多家央国企建立战略合作，服务优质民营企业。The Company has deeply explored cooperation channels with industry-leadinggeneral contractors and established strategic partnerships with several centralstate-owned enterprises to serve high-quality private enterprises. ( 2 ) 工商业分布式光伏Industrial and commercial distributed PV projects ( 1 ) 大型集中式地面电站业务 Large centralized terrestrial power station projects 公司深化与全国领先厂商合作，加快推进湖北、陕西、湖南、甘肃等地区“租屋顶”模式下的户用光伏业务，助力光伏电站走进乡村、支持农户创收增收，点亮乡村振兴路。The Company deepened cooperation with leading vendors nationwide andaccelerated the promotion of the “Roof Leasing” model in regions such as Hubei,Shaanxi, Hunan, and Gansu, thereby helping PV power stations reach ruralareas, supporting farmers to increase their income, and contributing to ruralrevitalization. ( 3 ) 户用光伏业务Residential PV business 公司全面覆盖电源侧、用户侧、独立和共享四类储能模式。助力企业用电削峰填谷，降低用电成本。JFL comprehensively covers power-supply-side, user-side, standalone, andshared energy storage models, aiding businesses in peak shaving and loweringelectricity costs. ( 4 ) 储能市场Energy storage market 广西M能源集团是一家民营新能源企业，计划利用15000亩荒山地建设300兆瓦光伏发电项目，但因处于初创阶段，鲜有金融机构支持，企业存亡就在一线之间。江苏金租及时伸出援手，为其提供7.5亿元融资支持。该项目不仅创造了当年全国单体光伏项目并网容量之最，还获得国家优质工程奖和中国电力优秀工程奖。Guangxi M Energy Group, a private new energy enterprise, planned to develop a300-megawatt PV power project on barren mountain land of 15,000 mu. However,as a start-up with little support from financial institutions, the enterprise’s survivalwas at stake. JFL promptly stepped in to provide 750 million RMB in financingsupport. This project not only created the largest single-unit grid-connectedcapacity for a PV project in the country that year but also won the National QualityProject Award and the China Electric Power Excellent Project Award. H食品公司从事传统面点制作，计划利用厂房屋顶空闲面积安装光伏电站，江苏金租得知需求后，迅速上门对接，通过直租方式为其定制融资方案。目前，H食品公司已在厂房屋顶建成0.748MW的光伏电站，每年发电量约73万度，为企业节约用电成本近45万元，实现“低碳风味”的可持续发展。H Food Company, engaged in traditional pastry production, planned to installa PV power station on the unused roof space of its factory. Upon learning ofthe requirement, JFL promptly visited the client and, through direct leasing,customized a financing solution. Currently, H Food Company has established a 0.748 MW PV power station on its factory roof, with an annual power generation of approximately 730,000 kWh, saving nearly 450,000 RMB in electricity costs andachieving sustainable development with a “low-carbon flavor.” 携手民营企业点亮山村“金土地”Partnering with private enterprises to illuminate the“Golden Land” in a mountain village 实现中华传统面点“低碳风味”Achieving the “low-carbon flavor” of traditional Chinesepastries 典型案例Case study 典型案例Case study Chapter III 心怀绿意守护生态环境江苏金租｜103102｜ ( 1 ) 新能源环卫车租赁 New energy sanitation vehicle leasing坚定“厂商+区域”市场服务策略，加大重点厂商合作力度，扩大湖南、河南、湖北等地厂商驱动型的区域服务团队规模，更加贴近服务当地客户需求，年内支持企业销售新能源环卫车千余辆。Adhering to the “vendor + region” market service strategy, the Companyincreases cooperation with key vendors and expands the scale of vendor-drivenregional service teams in Hunan, Henan, Hubei, and other regions to betterserve local client needs, supporting the sale of 1,000 new energy sanitationvehicles during the year. ( 3 ) 发展“三废”处理设备租赁 “Three wastes” treatment equipment leasing 公司坚持“特许经营权+产业环保”双线服务，一方面，以区县为单位，深度开发地方BOT特许经营类项目，为区域环境治理提供融资方案；另一方面，聚焦火电、钢铁、煤矿、化工等高耗能行业，为大型产业集团提供环保配套设备租赁服务，助力企业实现绿色转型和可持续发展。The Company adheres to a dual-service model of “franchise rights + industrialenvironmental protection.” On one hand, by developing local BOT franchiseprojects on a district or county basis, it provides financing solutions for regionalenvironmental governance; on the other hand, it focuses on high-energyconsumption industries such as thermal power, steel, coal mining, and chemicals,providing environmental equipment leasing services to large industrial groups,thus aiding enterprises in achieving green transformation and sustainabledevelopment.全年助力固废处理240万吨、污水8200万吨、大气治理182亿立方，实现资源化利用发电约18.7亿度。Throughout the year, the Company assisted in the treatment of 2.4 million tons ofsolid waste, 82 million tons of sewage, and 18.2 billion cubic meters of air pollutioncontrol, achieving resource utilization through power generation of approximately 1.87 billion kWh. ( 2 ) 城市充电设施租赁 Urban charging facilities leasing与能源行业20家头部厂商及平台建立了长期稳定的合作关系，稳步推进“千站计划”。年内已为超过400家充换电站提供专业化融资服务，有效支持了城市充电基础设施的快速建设和运营，助力绿色出行和能源结构转型。The Company has established long-term and stable cooperation with 20 leadingvendors and platforms in the energy industry, steadily advancing the “thousand-station plan.” During the year, it provided professional financing services to over400 charging and swapping stations, eectively supporting the rapid constructionand operation of urban charging infrastructure and promoting green travel andenergy structure transformation. 02 助推节能环保，优化城市环境Promote energy conservation and environmental protection, and optimize theurban environment公司以环卫车租赁、城市充电设施租赁、“三废”处理设备租赁为重要抓手，进一步聚焦民生实事，服务城市绿色发展。The Company, by focusing on leasing sanitation vehicles, urban charging facilities, and “three wastes” treatmentequipment, further concentrates on people’s livelihood issues and serves urban green development. 千余辆 8,200 18.7 万吨万吨亿m 亿度全年固废处理Annual solid waste treatment 销售新能源环卫车Selling new energysanitation vehicles 污水处理sewage treatment 大气治理Atmospheric governance 资源化利用发电约Resource utilization forpower generation + 家充换电站融资服务Financing services forcharging and swappingpower stations Chapter III 心怀绿意守护生态环境江苏金租｜105104｜ 03 深耕新能源交通产业，促进出行运输减排 Diving deep into the new energy transportation industry to promote emissionreductions in travel and transport江苏金租积极响应国家绿色发展战略，聚焦城市出行、货运物流、低碳航运等绿色可持续交通领域，持续加大对新能源客车、换电重卡、绿色船舶等设备融资项目的支持力度。通过提供专业化、多元化的金融服务，公司助力交通运输结构的优化调整，推动公路交通向清洁能源化转型，为实现“双碳”目标贡献力量。JFL actively responds to the national green development strategy, focusing on green and sustainabletransportation fields such as urban travel, freight logistics, and low-carbon shipping. It continuously increasessupport for financing projects involving new energy buses, battery swapping heavy-duty trucks, andgreen vessels. By providing professional and diversified financial services, the Company aids in optimizingtransportation structures, promoting the transformation of road transport to clean energy, and contributing tothe achievement of the goal of “peaking carbon dioxide emissions and achieving carbon neutrality”.2024年，公司助力城市交通电动替代、绿色转型，全年新增投放32亿元。In 2024, the company supported the electric substitution and greentransformation of urban transportation, with a new investment of 3.2billion yuan throughout the year.亿全年新增投放New businesscolume 在某机场基地内，由J科技有限公司投资建设的充电桩项目正高效运转。该项目包括32台160KW双枪充电桩和6台160KW单枪充电桩，每日充电量近4万度，兼容主流电动车型。然而，项目初期因充电桩行业重资产、回报周期长，企业面临融资难题。江苏金租获悉后，依靠在充电设施细分市场的实践经验和专业能力，凭借“融资+融物”优势，帮助运营商解决资金问题，助力项目快速落地。At an airport base, a charger project invested by J Technology Co., Ltd. is operatingefficiently. The project comprises 32 dual-gun 160 kW chargers and 6 single-connector 160 kW chargers, with a daily charging volume of nearly 40,000 kWhand compatibility with mainstream electric vehicle models. However, in the earlystages, due to the heavy asset nature and long return cycle of the charger industry,the enterprise faced financing diculties. Upon learning of this, JFL leveraged itspractical experience and professional capabilities in the charging facilities sub-market, using its “financing + asset leasing” advantage to help the operator resolvefunding issues and facilitate the rapid implementation of the project. 支持国际机场建起便民“充电宝”Supporting an international airport in establishing aconvenient “power bank” 典型案例Case study Chapter III 心怀绿意守护生态环境江苏金租｜107106｜ ( 1 ) 客运公交市场 Passenger bus market与公交龙头厂商合作，服务江苏、江西、山东等地公交集团购置更新车辆；为旅游景点服务，助力多家5A级、4A级景区引入新能源客车，为绿色出行提供便利。In cooperation with leading bus vendors, the Company served public transit groupsin Jiangsu, Jiangxi, Shandong, and other regions to purchase and update vehicles;it also supported several 5-A and 4-A scenic spots in introducing new energy busesto facilitate green travel. ( 2 ) 新能源重卡市场 New energy heavy-duty truck market巩固重卡领域头部厂商业务合作，提高融资渗透率；围绕新疆、浙江、天津、河北等地区水泥、钢材、煤炭运输等场景，为运输企业及个人购置新能源重卡提供资金支持4亿元。The Company consolidated business cooperation with leading heavy-duty truckvendors and increased financing penetration. Focusing on scenarios such ascement, steel, and coal transportation in regions like Xinjiang, Zhejiang, Tianjin,and Hebei, it provided 400 million RMB in financing support for transportationenterprises and individuals purchasing new energy heavy-duty trucks. ( 3 ) 新能源乘用车和网约车市场 New energy passenger car and ride-hailing vehicle market持续加强知名车企厂商的总对总业务对接，深化新能源车企合作层级，全年为客户购置新能源乘用车及网约车提供资金支持17亿元。The Company continuously strengthened direct business connections with well-known automotive vendors, deepened cooperation with new energy vehiclecompanies, and provided 1.7 billion yuan in financial support for customers topurchase new - energy passenger cars and ride - hailing vehicles throughout theyear. ( 4 ) 航运市场 Shipping market公司持续扩大双燃料绿色船舶资产规模，积极探索电池动力船舶、氨燃料动力船舶等领域，助推航运低碳绿色发展。The Company continuously expanded its green vessel asset base with dual-fuelships and actively explored fields such as battery-powered vessels and ammonia-fueled vessels, thereby promoting low-carbon and green development in shipping. 亿亿提供新能源重卡购置资金Provide funds for the purchaseof new energy heavy-dutytrucks 支持金额Support amount Chapter III 心怀绿意守护生态环境江苏金租｜109108｜近年来，公司着力开拓绿色融资渠道。一方面积极与多家金融机构展开深度合作，发行绿色金融债券，推进蓝色贷款，拓宽直接融资路径；另一方面，大力探索以绿色资产证券化为代表的创新型融资方式，整合内部优质绿色资产，盘活资金，为公司绿色业务的蓬勃发展注入源源不断的动力。In recent years, the Company has focused on expanding green financing channels. On one hand, it has activelyengaged in in-depth cooperation with multiple financial institutions to issue green financial bonds, advanceblue loans, and broaden direct financing channels; on the other hand, it has vigorously explored innovativefinancing methods represented by green asset securitization, integrating high-quality internal green assets toactivate funds and continuously inject momentum into the robust development of its green business. 为规范绿色融资项目管理，确保募集资金投向绿色产业项目，公司不断完善绿色金融相关管理制度，加强募集资金及投向管理，进一步提升绿色融资专业化能力。To standardize the management of green financing projects and ensure that raised funds are directed towardgreen industrial projects, the Company continuously improves its green finance management systems,strengthens the management of raised funds and their allocation, and further enhances its professionalcapability in green financing. 绿色融资管理Green financing management 开展绿色融资 Green financing 议题 / Topic 02 资金管理 Fund management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。The Company has established a special ledger to record the initialinvestments, subsequent fund inflow and reinvestments of green leasingprojects. 01 投向管理 Investment management公司严格对照《绿色债券支持项目目录》，对租赁项目初步筛选后交由专业第三方绿评机构进行审核，确认符合绿色债券投放范围后进行资金投放。资金投放后，公司通过绿色金融债券管理驾驶舱对存续期绿色债券等相关项目的募集资金实时进行监督核查，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 leasing projects.After a preliminary screening, projects are reviewed by a professional third-party green rating agency to ensure theircompliance with the scope of green bond investments before funds are invested. Once the funds are invested, theCompany closely monitors and verifies the use of the funds raised through green bond issuances during the duration ofthe bonds via the green financial bond management cockpit, in accordance with regulatory requirements, to ensure thatthe funds are indeed being used to support green development.与金融机构展开合作Collaborate with financialinstitutions 探索创新型融资方式Exploring innovativefinancing methods绿色融资渠道Green financingchannels Chapter III 心怀绿意守护生态环境江苏金租｜111110｜期亿累计发行Cumulative issuance 累计募集资金Accumulated raised funds 绿色融资实践Green financing practice 01 发行绿色金融债券 Issuing green financial bonds 公司自2019年起开始发行绿色金融债券，截止2024年末，累计发行6期绿色金融债券共计65亿元，募集资金全部用于《绿色债券支持项目目录(2021年版)》规定的绿色产业项目。具体明细如下： Since 2019, the Company has been issuing green financial bonds. By the end of 2024, it had issued six seriesof green financial bonds totaling 6.5 billion RMB, with all raised funds used for green industrial projects asstipulated in the “Catalogue of Green Bond Endorsed Projects (2021 Edition).” The details are as follows: 发行时间Issuing date 债券名称Bond name 发行规模Scale (RMB) 发行利率Interest rate (%) 期限Term (year)2019/4/11 19江苏租赁绿债0119 JFL green bond 01 5亿500 million 3.703 2019/4/11 19江苏租赁绿债0219 JFL green bond 02 5亿500 million 4.128 2020/3/6 20江苏租赁绿债0120 JFL green bond 01 10亿1 billion 3.053 2023/11/7 23江苏租赁绿债0123 JFL green bond 01 15亿 1.5 billion 2.803 2024/1/18 24江苏租赁绿债0124 JFL green bond 01 15亿 1.5 billion 2.763 2024/3/7 24江苏租赁绿债0224 JFL green bond 02 15亿 1.5 billion 2.503 累计金额Total amount 65亿 6.5 billion 2019年发行的绿色金融债券，是国内租赁行业首单通过国内及国际双重绿色认证的金融债券产品，获得了气候债券倡议组织的认可，吸引了国内外投资机构的积极认购，对国内绿色产业项目的融资起到了良好的示范作用，具有突破意义。The green financial bonds issued in 2019 were the first in the domesticleasing industry to obtain both domestic and international dual greencertifications. Recognized by the Climate Bonds Initiative, these bondsattracted active subscriptions from domestic and international investmentinstitutions and served as a good demonstration for financing domesticgreen industrial projects, marking a breakthrough.2023年发行的绿色金融债券，获得了2023年度中国租赁业资本市场创新融资“金泉奖”?“绿色低碳创新融资奖”。The green financial bonds issued in 2023 were granted the China’s leasingindustry capital market innovation financing “Jinquan Award” for green low-carbon innovative financing in 2023. 02 发行绿色资产证券化项目 Issuing green asset securitization projects截至2024年末，公司累计发行了13.9亿元绿色租赁资产证券化项目，是金租行业首家发行绿色租赁资产证券化项目的公司。By the end of 2024, the Company had issued green leasing assetsecuritization projects totaling 1.39 billion RMB, making it the first Companyin the leasing industry to do so.公司绿色租赁资产证券化项目是入池资产及资金投向均为绿色项目的“双绿”产品。The Company’s green leasing asset securitization projects are “dual-green”products, with both the pooled assets and the allocation of funds beingdirected toward green projects. 公司获得“资产证券化?介甫奖”之“绿色金融资产证券化优秀示范产品奖”和“优秀ABS发起人”两大奖项。The Company received the “OutstandingDemonstration Product Award in GreenFinancial Asset Securitization” and the“Outstanding ABS Sponsor” award of the“Asset Securitization ? Jiefu Award”. Chapter III 心怀绿意守护生态环境江苏金租｜113112｜ 03 开展绿色贷款业务 Conducting green loan business ( 2 ) 绿色银团贷款Green syndicate loans截至2024年末，国际金融公司（IFC）与公司合作落地了5亿元人民币及1.4亿美元的绿色银团项目，资金全部用于为中小企业提供符合标准的绿色租赁服务。By the end of 2024, in cooperation with the International Finance Corporation (IFC),the Company successfully implemented a green syndicate project of 500 million RMBand 140 million US dollars, with all funds used to provide standardized green leasingservices for small and micro enterprises.( 3 ) ESG银团贷款ESG syndicate loans: 2024年，公司成功与交通银行东京分行、澳门分行签署了ESG银团贷款项目，融入3年期跨境人民币资金15亿元，是国内金租行业首单跨境ESG银团贷款项目。本项目通过可持续挂钩贷款方式进行融资，是公司绿色融资方式的一大创新。贷款存续期间，贷款利率与ESG方面的表现相挂钩：公司从环境、社会和治理三个维度分别遴选出关键绩效指标(KPI)，在公司完成全部设定目标的情况下，贷款利率将有一定程度的下降。In 2024, the Company successfully signed an ESG syndicate loan project with theTokyo and Macau branches of Bank of Communications, raising 3-year cross-border funds of 1.5 billion RMB. This was the first cross-border ESG syndicateloan project in the domestic leasing industry. Financed through a sustainable-linked loan approach, this project represents a major innovation in the Company’sgreen financing methods. During the loan term, the interest rate is linked to ESGperformance: if the Company meets all set targets across environmental, social,and governance dimensions, the interest rate will decrease accordingly. ( 1 ) 绿色贷款Green loans2023年，公司成功落地了与三井住友银行开展的绿色贷款业务，金额3亿元人民币，该贷款是公司首笔由中诚信绿色评估委员会审定的绿色贷款，丰富了公司绿色融资渠道。In 2023, the Company successfully implemented a green loan agreement with Sumitomo Mitsui Banking Corporation for300 million yuan. This loan marks the Company's first green loan certified by the CCXGF Green Evaluation Committee,diversifying the Company's financing channels.2024年，公司成功落地了与华侨银行开展的绿色贷款业务，金额2.2亿元人民币，该笔贷款专门用于公司可再生能源发电的融资租赁项目，用以支持可再生能源发电替代传统化石能源燃烧发电，减少二氧化碳和大气污染物排放，进而达到节能减排、改善区域水体质量、优化能源结构、保护项目所在区域大气环境等多方面的环境效益。In 2024, the Company successfully implemented a green loan business in cooperation with OCBC Bank, with an amountof 220 million RMB. This loan was specifically used for financing leasing projects in renewable energy power generation,supporting the substitution of traditional fossil fuel power generation, reducing carbon dioxide and air pollutantemissions, and thereby achieving multiple environmental benefits such as energy conservation, emission reduction,improved regional water quality, optimized energy structure, and protection of the local atmospheric environment.2025年，公司将进一步探索新的绿色融资渠道。目前，公司正在与国际金融公司（IFC）积极推进不超过等值5亿美元、期限不超过3年的高级银团蓝色及绿色贷款融资方案，以支持公司进一步扩大符合国际标准的蓝色和绿色租赁业务。In 2025, the Company will further explore new green financing channels. Currently, it is actively advancing a seniorsyndicate blue and green loan financing plan with the International Finance Corporation (IFC) for an amount notexceeding the equivalent of 500 million USD, with a term not exceeding 3 years, to support the further expansion of blueand green leasing businesses that meet international standards. Chapter III 心怀绿意守护生态环境江苏金租｜115114｜公司将践行绿色办公理念融入日常运营的每一处细节，号召以点滴行动汇聚成推动可持续发展的重要力量。The Company integrates the concept of green oce into every detail of its daily operations, advocating thatsmall actions collectively contribute to sustainable development.为提升能源利用效率，公司构建起全面且科学的能源管理体系，有效把控能源流向。引入前沿节能技术，提升能源转化效率，让每一份能源都发挥最大效能。同时，大力推动资源循环利用，优化能源回收机制，全方位助力低碳发展。To improve energy utilization eciency, the Company has established a comprehensive and scientific energymanagement system to eectively control energy flows. It introduces cutting-edge energy-saving technologiesto enhance energy conversion eciency, ensuring that utilization of all energy is maximized. Simultaneously,it vigorously promotes resource recycling and optimizes energy recovery mechanisms, comprehensivelysupporting low-carbon development. 公司利用前沿技术与创新理念，全力打造覆盖业务全流程的“无纸化+数字化”绿色服务链，驱动低碳转型Utilizing cutting-edge technologies and innovativeconcepts, the Company has built a “paperless+ digital” green service chain covering theentire business process, driving low-carbontransformation. + t 棵 % % t 年均减少纸张消耗 Reduce paper consumption annually 保护成年树木 Protecting adult trees 相当于 equivalent to 智慧业务运营Intelligent businessoperations 覆盖内部流程 Covering internal processes 减少商务差旅碳排放超 Reduce excessive carbon emissions from business travel 远程协作效率提升 Improving remote collaboration eciency 高效能源利用 E?cient energy utilization 议题 / Topic Hi乐租HiLeasing智管万物Smart IoTManager智慧商旅融乐租FinancialLeasing库乐租InventoryLeasing数乐租DataLeasing车乐租VehicleLeasing苏乐租 SuLeasing提乐租E-?leExtractor掌乐租MobileLeasing 经销商销售人员经销商融资专员经销商库融专员经销商管理层乘用车销售专员终端客户企业客户财务人员公司客户经理公司客差旅管理公司资管专员依托自主研发的“乐租”APP，实现线上报单、智能审批、电子签约等一站式服务，年均减少纸张消耗34吨，相当于保护500棵成年树木。Based on its self-developed “LeLeasing” APP, the Company provides one-stopservices including online order submission, intelligent approval, and electronicsigning, reducing annual paper consumption by 34 tons—equivalent to saving 500mature trees. 云端协同办公Cloud-based collaborative oce 全流程电子签约Full-process electronic signing 搭建智能化OA系统，覆盖95%内部流程，推动远程协作效率提升30%，年减少商务差旅碳排放超200吨。By establishing an intelligent OA system that covers 95% of internal processes,the Company has increased remote collaboration eciency by 30% and reducedbusiness travel carbon emissions by over 200 tons annually. 无纸化Paperless 数字化Digital 驱动低碳转型driving low-carbontransformation Chapter III 心怀绿意守护生态环境江苏金租｜117116｜绿色办公体系Green oce system 公司打造了立体化的绿色办公体系，构建零碳示范空间。The Company has developed a three-dimensional green oce system, creating a zero-carbon demonstrationspace. 01 智慧能源管理：打造“光-储-控”一体化解决方案 Intelligent energy management: Developing an integrated “PV-storage-control” solution ( 1 ) 清洁电力应用Clean power applications办公楼顶部署10kW分布式光伏电站，年发电量9800度，减排CO 吨（相当于燃油车绕地球1圈的CO 排放量），配套储能系统实现峰谷调节。A 10 kW distributed PV power station was deployed on the officebuilding roof, generating 9,800 kWh annually, reducing CO emissions by 5 tons (equivalent to the CO emissions of a fuelvehicle circling the earth once), with a supporting energy storagesystem for peak-valley regulation. 9,800 2,100 吨 t t 度度 %减少二氧化碳排放Reduce carbon dioxideemissions 减少二氧化碳排放Reduce carbon dioxide emissions 减少二氧化碳排放Reduce carbon dioxideemissions 年发电量Annual energy output 每年节约用电Save electricity every year 能耗降低Energy consumptionreduction ( 2 ) 智能节能系统Intelligent energy-saving system 采用高效离心机组，提升能源转化效率，相比于传统设备年减碳约800吨。High-eciency centrifugal units are used to enhance energy conversion eciency,reducing annual carbon emissions by approximately 800 tons compared totraditional equipment. 照明系统选用高效节能灯具，依据自然光线变化智能调节亮度，极大降低电能消耗，年节电2100度，减排1吨；The lighting system uses high-eciency energy-saving lamps that automaticallyadjust brightness based on natural light changes, significantly reducing electricityconsumption, saving 2,100 kWh annually, and cutting CO emissions by 1 ton; 节能电机+分时运行策略，能耗降低40%；Energy-saving motors and time-sharing operational strategies reduce energyconsumption by 40%; 会议室智能感控Smart Sensing and Control conference rooms 电梯群控优化Elevator group control optimization 区域集中供冷Regional centralized cooling: Chapter III 心怀绿意守护生态环境江苏金租｜119118｜ 02 循环经济实践：建立资源闭环生态 Circular economy practices: Establishing a closed-loop resource ecosystem 引入餐厨垃圾真空处理系统，实现100%厨余资源化利用，年减少垃圾填埋量超90吨。A vacuum treatment system for kitchen waste is introduced to achieve 100%resource utilization of kitchen waste, reducing landfill volume by over 90tons annually. 部署感应式龙头+节水洁具，用水效率提升30%；直饮水机减少瓶装水消耗超60万瓶/年。Sensor-based faucets and water-saving sanitary ware improve water usageefficiency by 30%; direct drinking water machines reduce bottled waterconsumption by over 600,000 bottles annually. 董事会、党委会等核心会议材料100%电子化；公司双面打印覆盖率提升至90%，配备云打印管理系统，运用智能算法精准识别打印量突增、文件格式异常、打印机故障等异常情况，并及时发出预警，有效减少纸张浪费。Core meeting materials such as Board of Directors meetings and Party committeemeetings are 100% digitalized; the Company’s double-sided printing coveragerate has increased to 90%. Equipped with a cloud printing management system,it uses intelligent algorithms to accurately detect sudden increases in printingvolume, abnormal file formats, or printer malfunctions, issuing timely warnings toeectively reduce paper waste.餐厨垃圾真空处理系统Vacuum treatment system for kitchen waste ( 1 ) 零废弃餐厅 Zero-waste restaurant ( 2 ) 智能物联节水Intelligent IoT-based water saving ( 3 ) 无纸化革命Paperless revolution + 600,000 t 瓶% % % 减少垃圾填埋量Reduce landfill volume 每年减少瓶装水消耗超Reduce bottled water consumption annually厨余资源化利用Resource utilization of kitchen waste 用水效率提升Improving water eciency 会议材料电子化Electronic Conference Materials Chapter III 心怀绿意守护生态环境江苏金租｜121120｜全员低碳行动Company-wide low-carbon actions 公司倡导绿色生活文化，聚焦用水、用电、用餐、用纸、出行等五大办公场景，向全体员工发出“爱惜一滴水、节约一度电、珍惜一粒粮、节省一页纸、践行低碳一公里”等“五个一”节能减碳倡议，倡导全体员工积极参与，形成绿色办公的良好氛围。The Company advocates a culture of green living,focusing on five key office scenarios—water usage,electricity usage, dining, paper usage, and travel—and has issued five energy-saving and carbonreduction initiatives: “Cherish every drop of water,save every kilowatt-hour of electricity, treasure everygrain of rice, conserve every sheet of paper, andpractice 1km low-carbon travel,” encouraging allemployees to actively participate and fostering apositive green oce atmosphere. 公司推行绿色出行激励机制，构建“步数排行”积分奖励体系，将步行通勤等绿色行为量化为可兑换权益，切实提升员工绿色出行意识和参与度。The Company has implemented a green travel incentive mechanism, establishing a “step count ranking” pointsreward system that converts green behaviors such as walking to work into redeemable benefits, effectivelyenhancing employees’ awareness of and participation in green travel. 03 生态化办公场景：人与环境共生 Ecological oce scenarios: Coexistence of peopleand the environment (2 ) 视频会议全覆盖Full-coverage video conferencing 建成4K超清远程会议系统，替代30%线下会议，年减少差旅碳排放约150吨。A 4K ultra-high definition remote meeting system decreases 30% of oinemeetings, reducing annual travel carbon emissions by approximately 150tons. ( 3 ) 绿色会务服务Green conference services在会务接待中全面采用可循环消毒餐具及陶瓷杯，替代传统一次性用品。公司年均接待9624人次，预计可减少使用一次性餐具和杯具19284件，年减少塑料及纸质垃圾约0.5吨。In conference reception, the Company fully adopts recyclable disinfectedtableware and ceramic cups to replace traditional disposable products.Annually, by hosting 9,624 visitors, it is estimated to reduce the use ofdisposable tableware and cups by 19,284 pieces and cut plastic and paperwaste by approximately 0.5 tons. ( 1 ) 碳汇工位计划Carbon sink workstation plan通过主题式分区布局设计，升级四季常绿与花卉植物组合配置，提升固碳与净化空气的效果；布局1500+盆绿植，年固碳1.65吨，PM2.5过滤效率提升20%。Through themed zoning design and upgrading with a combination ofevergreen and flowering plants, the Company enhances carbon fixation andair purification eects; with over 1,500 potted plants deployed, it achievesan annual carbon fixation of 1.65 tons and a 20% improvement in PM2.5filtration eciency. 绿色生活五大办公场景Green livingFive major ocescenarios 用水use water 用餐have meals 出行Travel 用电use electricity 用纸use paper Chapter IV 共享共赢建设和谐社会江苏金租｜123122｜共享共赢建设和谐社会 Shared Success – Building aHarmonious Society Chapter IV Chapter IV 共享共赢建设和谐社会江苏金租｜125124｜公司充分发挥金融租赁业务的独特优势，积极整合产业与金融资源，与合作伙伴携手构建互利共赢的良好局面。The Company fully leverages the unique advantages of its financial leasing business, actively integratesindustrial and financial resources, and works with partners to build a mutually beneficial win-win situation. 与厂商紧密协作，共促多方发展Working closely with vendors to promote mutualdevelopment 公司与各行业领先的设备制造商、经销商深度合作，将厂商租赁模式作为核心展业方式之一。通过“厂商租赁”模式，形成了企业、厂商与公司三方共赢的良好局面。The Company deeply cooperates with leading equipment vendors and dealers across various industries, usingthe vendor leasing model as one of its core business approaches. Through the “vendor leasing” model, a win-win situation among enterprises, vendors, and the Company has been achieved. 基于多年产业深耕经验与国际先进融资租赁理念，公司精准对接企业设备购置需求，为企业采购先进设备、引入新技术提供全方位资金支持。通过量身定制灵活还款方案，有效解决企业设备采购与技术升级的资金难题，助力企业高质量发展。Based on years of deep industry experience and internationally advanced financing leasing concepts, theCompany precisely aligns with enterprises’ equipment procurement needs, providing comprehensive financialsupport for purchasing advanced equipment and introducing new technologies. By customizing flexiblerepayment plans, it effectively resolves the funding challenges for equipment procurement and technologyupgrading, thereby supporting high-quality enterprise development. 01 支持企业成长Supporting enterprise growth 促进销售Sales promotion加速循环Accelerated cycle 控制风险Risk control分担成本Cost sharing 设备采购Equipment procurement 技术升级Technology upgrade 贡献业绩Performance contributions 扩大影响Expanded influence 企业Enterprises 业绩提升Performance improvement 合作创新Collaboration for innovation 授信增加Credit expansion成本降低Cost reduction 金融伙伴 Financial partners 厂商Manufacturers 合作共赢Win-win cooperation 议题 / Topic Chapter IV 共享共赢建设和谐社会江苏金租｜127126｜典型案例Case study 典型案例Case study 多年来，公司合作的厂商经销商数量持续增长，从2017年的227家攀升至2024年的近6000家。Over the years, the number of vendors and dealerscooperating with the Company has continuously increased,rising from 227 in 2017 to nearly 6,000 in 2024. KOMORI小森成立于1923年，是全球印刷机械行业的领军企业，小森凭借其卓越的精密加工技术、创新的印刷软件技术以及对品质的极致追求，在印刷机的自动化与精细化技术领域，始终位居全球行业前沿。KOMORI, established in 1923, is a leading enterprise in the global printing machineryindustry. Leveraging its outstanding precision machining technology, innovativeprinting software, and relentless pursuit of quality, KOMORI has consistently beenat the forefront of automation and precision technology in printing machineryworldwide.江苏金租自2003年与小森公司开展战略合作以来，在印刷设备领域持续为客户提供优质的产品和金融服务。二十多年来，双方共克难关、共同成长，共同见证着数万家中国印刷企业由小变大、由大变强。面向未来，双方将继续深化在环保印刷、数字印刷和可持续发展等方面的合作，共同书写中国印刷行业的多彩篇章。Since 2003, JFL has engaged in strategic cooperation with KOMORI, continuouslyproviding high-quality products and financial services in the printing equipmentfield. Over the past 20 years, the two companies have overcome challenges andgrown together, witnessing tens of thousands of Chinese printing enterprisestransform from small to large and from large to strong. Looking ahead, they willcontinue to deepen cooperation in areas such as green printing, digital printing,and sustainable development, jointly writing a vibrant new chapter in the Chineseprinting industry. 江苏金租赴日本访问小森公司JFL visits KOMORI in Japan 600050004000300020001000 20172020202320182021202420192022 1172 2358 3613 5847厂商经销商数量Number of manufacturers and distributors 年份Year 江苏金租与厂商合作的标准化产品Standardized products that JFL develops in collaborationwith manufacturers 企业购置能力的增强直接转化为对厂商设备的强劲需求，不仅让厂商的库存得以快速消化，也促使厂商推出更多贴合市场需求的新型设备。同时，“租赁物+承租人+厂商”三位一体风险管理体系，也有利于厂商控制风险，实现稳健经营。Enhanced enterprise purchasing capabilities directlytranslate into strong demand for vendors’ equipment, notonly enabling rapid inventory turnover for vendors but alsoprompting them to launch new equipment that meets marketdemands. Moreover, the integrated risk management systemof “leased asset + lessee + vendor” helps vendors controlrisks and achieve steady operation. 02 助力厂商发展Assisting vendor development 最佳效益Optimalbene?ts 优质客户Quality customers 优质产品Qualityproducts 优质销售网络Quality salesnetworks优质厂商Qualitymanufacturers 厂商合作良性循环A virtuous cycleof manufacturercooperation Chapter IV 共享共赢建设和谐社会江苏金租｜129128｜作为一家持牌非银行金融机构，公司以稳健的业绩、良好的社会信誉和AAA级主体评级为基础，与国内外众多银行、证券、保险等金融机构建立了长期稳定的合作伙伴关系，获得充足的授信额度和较低的融资成本。这促进了金融资源的合理配置，实现了“公司＋企业＋融资伙伴”的共同发展。As a licensed non-bank financial institution, the Company,based on its stable performance, strong social reputation,and AAA-rated credit rating, has established long-termand stable partnerships with numerous domestic andinternational banks, securities companies, insurancecompanies, and other financial institutions, securing amplecredit lines and low financing costs. This has promoted therational allocation of financial resources and achieved thejoint development of “the Company + enterprises + financingpartners.” 携手融资伙伴，实现共赢成长Joining hands with financing partners to achievewin-win growth 共同发展commondevelopment 公司Company 企业Enterprises 融资伙伴Financing partners 多元化融资渠道 Diversi?ed?nancingchannels 可转换公司债券Convertible corporate bonds已发行50亿元50 billion RMB issued 直接融资Direct financing 间接融资Indirect financing 资金市场Money market资本市场Capital market 支持企业融资Supporting enterprise financing公司综合运用多元化的融资手段，从源头上降低融资成本，切实缓解中小微企业融资难、融资贵问题。The Company comprehensively utilizes diversified financing methods to reduce financing costs from the source,eectively alleviating the diculties and high costs of financing for small and micro enterprises. 与融资伙伴共同发展Growing together with financing partners凭借专业的业务能力与广泛的客户资源，公司为融资伙伴带来了营收增长，双方在合作中共享资源、优势互补，共同发展。With its professional business capabilities and extensive client resources, the Company has brought revenuegrowth to its financing partners. They share resources and complement each other’s strengths, achieving jointdevelopment. 金融债券Financial bonds资产证券化Asset-backed securities 同业借款Interbank loans 内保内贷Internal guarantees and loans 流动资金贷款Working capital loans保险资管资金引入计划Insurance asset management funding plans …… …… Chapter IV 共享共赢建设和谐社会江苏金租｜131130｜部分合作金融伙伴Some financial partners 政策性银行国有银行全国性股份制银行城市商业银行农村商业银行外资金融机构 Chapter IV 共享共赢建设和谐社会江苏金租｜133132｜ 2024年，公司坚持“以人为本”理念，不断完善消保体制机制，切实有效保护金融消费者合法权益，努力做到“服务更用心”。In 2024, the Company adhered to a “people-oriented” philosophy, continuouslyimproving its consumer protection systems and mechanisms to effectivelysafeguard the legitimate rights and interests of financial consumers, striving to“serve with greater dedication.”公司通过官网向社会和消费者公示投诉渠道，客户可通过客服电话、微信公众号、专业APP等渠道向公司反映消费者权益保护问题。The Company publicly discloses its complaint channels on its official website,allowing clients to report consumer protection issues via client service hotlines,WeChat ocial accounts, and dedicated apps. 客服电话Client service hotline025-86816908 江苏金融租赁发布JFL Releases 微信公众号WeChat ocial account 线上APPOnline APP苏乐租App智能客服SuLeasing App IntelligentClient Service 持续优化组织架构Continuously optimizing organizational structure 公司适应零售转型需要，从组织、制度和执行多维度同时发力，继续优化消保工作，升级客户服务品质。In response to the needs of retail transformation, the Company is advancing simultaneously in organizationalstructure, systems, and execution, continuing to optimize consumer protection eorts and upgrade client servicequality. 01 优化组织保障Optimizing organizational guarantees 董事会在公司战略上明确消费者保护的蓝图；The Board of Directors has clearly outlined a blueprint forconsumer protection in the Company’s strategy; 风险管理与消费者权益保护专门委员会强化消保中心管理；The Committee of Risk Management and Consumer Rights &Interests Protection has strengthened the management of theConsumer Protection Center; 消保中心落实消费者权益保护职责，不断优化公司产品设计、业务流程、客户投诉等工作。The Consumer Protection Center fulfills its responsibilities forsafeguarding consumer rights, continuously optimizing productdesign, business processes, customer complaint handling, andrelated work. 消费者权益保护 Protect rights and interests ofconsumers 议题 / Topic 消保中心Consumer Protection Center 董事会Board of DirectorsGeneral Meeting 风险管理与消费者权益保护委员会Committee of RiskManagement andConsumer Rights &Interests Protection Chapter IV 共享共赢建设和谐社会江苏金租｜135134｜ 02 加强人员配备Strengthening stang 03 提升服务理念Enhancing service philosophy 2024年，公司引入具备法律职业资格证书的专业人员2名，目前超过半数人员具有5年以上工作经验。In 2024, the Company introduced 2 professionals with legal qualifications, and currently, over half of its sta have morethan 5 years of work experience. 提升客户服务enhancing clientservice 升级品牌形象 upgrading brand image 加深客户信赖deepening clienttrust 赋能业务发展empoweringbusiness development 积极完善制度规范Actively improving institutional norms 2024年修订发布《消费者权益保护管理办法》《厂商经销商管理办法》等系列制度： In 2024, the Company revised and issued a series of systems including the “Management Measures forthe Protection of Consumers' Rights and Interests” and “Vendor and Dealer Management Measures”: 面向厂商经销商开展“消费者权益保护”培训会议Figure: “Protection of consumers' rights and interests” training meeting for vendors and dealers 良性循环virtuous circle 加强消费者合法权益保护力度，要求业务部门以客户诉求为中心，持续优化业务产品、流程；各相关部门应协同配合，高效解决客户诉求。Strengthening the protection of consumers’legitimate rights and interests. The Companyrequires business departments to focus onclient demands and continuously optimizebusiness products and processes; all relevantdepartments should coordinate eciently toresolve client issues. 强化厂商经销商消保要求，实行“全面管理原则”，将消费者权益保护等内容纳入厂商经销商管理体系，让金融消费者合法权益更多一层保障。Enhancing consumer protection requirementsfor vendors and dealers. The Companyimplements a “comprehensive managementprinciple,” incorporates protection ofconsumers' rights and interests into thevendors and dealers management system toprovide extra protection for the legal rights offinancial consumers. Chapter IV 共享共赢建设和谐社会江苏金租｜137136｜不断提升执行质效Continuously enhancing execution eciency 2024年，消保中心强调全程服务，业务部门冲在一线，风控、法律、信息等各相关部门发挥专业优势，做到响应有速度、服务有温度。In 2024, the Consumer Protection Center emphasized full-process service. Business departments took thelead on the front line, while related departments such as risk management, legal, and IT leveraged theirprofessional expertise to ensure swift responses and warm service. 消保中心复盘会议Figure: Consumer Protection Center’s review meeting 线上+线下两端做好服务，坚持全程跟踪，做到处理及时、痕迹可查、总结复盘，客户诉求处理率100%。The Consumer Protection Center provided full-process servicethrough both online and offline channels, ensuring continuousfollow-up, timely resolution, traceability, and thorough review, witha 100% client complaint handling rate. 消保中心全程服务The Consumer Protection Center provided full-process service 业务部门一线服务客户Business department serving clients on the front line 消保工作联席会议 Joint meeting on consumer protection 业务部门做好客户服务第一道关，耐心细致为客户答疑解惑、定制方案。They serve as the first checkpoint for client service, patiently addressing inquiries and providing customizedsolutions. 消保中心牵头协调各部门，发挥其风控、司法、信息等专业优势，努力做到“想客户之所想”“急客户之所急”。The Consumer Protection Center leads the coordination among various departments, leveraging their expertisein risk management, legal, and IT to ensure they “think what clients think” and “respond to clients’ urgent needs.” 业务部门冲在一线Business departments on the front line 相关部门各展所长Relevant departments demonstrate their strengths % 客户诉求处理率client complainthandling rate Chapter IV 共享共赢建设和谐社会江苏金租｜139138｜提档提优消保服务Upgrading and enhancing consumer protectionservices 01 升级智能客服Upgrading intelligent client service 公司自主研发客服中心系统并持续优化升级。The Company independently developed its client service center system and continuously optimizes andupgrades it. 精准定位客户诉求，匹配最优客服答疑Precisely identifying client needs andmatching the optimal client serviceresponse. 精准分析客户画像，快速定位解决方案Accurately analyzing client profilesand quickly pinpointing solutions. 及时为客户发送还款提醒Timely sending repayment remindersto clients. 实时监测服务流程，为持续优化服务提供有力依据Real-time monitoring of service processes,providing strong evidence for continuouslyoptimizing service. 实现“T+0”实时响应，一键转接电话、秒级短信回复、专人定制服务…，不断刷新客服的响应度、及时度和好评度。“T+0” real-time response, one-click calltransfer, second-level SMS reply, anddedicated customized services continuouslyenhance client service responsiveness,timeliness, and positive feedback. 语音智能分拣Voice intelligent sorting 智能语音识别Intelligent speech recognition “T+0”实时响应real-time response 智能外呼功能Intelligent outbound call function 多维数据分析Multidimensional data analysis 2024年，电话接听量61241通,召开228次客服工作复盘会，客户诉求解决率 99.91%。 In 2024, 61,241 calls were received, 228 client service review meetings wereheld, and the client issue resolution rate was 99.91%. 智能客户系统Intelligent client system 61,241 99.91 通次 % 电话接听量calls were received 客服工作复盘会client service review meetingswere held 诉求解决率client issue resolution rate was 升级智能客服intelligent clientservice 2024年，公司通过新闻媒体、抖音、微信公众号等渠道，发布关于“消保案例”“防范虚拟币骗局”等主题海报、科普长图及相关案例，传递消保“温暖、贴心”理念。In 2024, through channels such as news media, Douyin, and WeChat ocialaccounts, the Company released themed posters, educational infographics,and related case studies on topics such as “consumer protection cases” and“preventing virtual currency scams,” conveying the “warm and thoughtful”concept of consumer protection. 02 强化宣传教育Strengthening publicity and education Chapter IV 共享共赢建设和谐社会江苏金租｜141140｜投资者关系管理Investor relations management 公司始终将维护投资者利益置于核心地位，致力于构建多元化的沟通桥梁，确保与投资者之间的紧密联系与高效互动。The Company always places the protection of investors' interests at its core and is committed to buildingdiversified communication bridges to ensure close contact and ecient interaction with investors. 现场业绩说明会直播实录Live recording of an on-site performance brie?ng 为增进透明度与信任，公司定期举办业绩说明，策划反向路演活动，并积极参与券商策略研讨会，以开放的姿态迎接投资者实地调研，对投资者来电给予迅速且专业的回应。To enhance transparency and trust, the Company regularly holds performance briefings, organizes reverseroadshows, and actively participates in securities firm strategy seminars, welcoming on-site investor visits withan open attitude and responding to investor calls swiftly and professionally. 投资回报Investment return 议题 / Topic 公司也不断探索创新投资者关系管理模式，通过可视化业绩展示等前沿手段，持续优化信息传递效率与质量。充分利用微信生态的强大连接力与精准触达优势，及时回应投资者重要关切，加深投资者对公司投资价值的理解和认同。The Company is also constantly exploring innovative investor relationsmanagement models, Through cutting-edge means such as visualizedperformance displays, continuously optimizing the efficiency and quality ofinformation transmission.Fully leveraging the strong connectivity and precise reachof the WeChat ecosystem to respond to important investor concerns in a timelymanner, deepening investors' understanding and recognition of the Company'sinvestment value. 2024年“百舸争流奋楫者先”投资者开放日2024 “Pioneers Lead in the Fierce Competition” Investor Open Day 2024年报速览Overview of the 2024 Annual Report 13425个场回复E互动问题Replied questions on the E-interaction platform 接待投资者调研Received investors’ research 场机构策略会Organization strategy meetings 3900 +场场业绩说明会performance briefings 2024年投资者活动覆盖机构In 2024, investor activitiescovered over institutions 45437次场接听投资者电话咨询Answered investors’ telephone enquiries 投资者、分析师电话会Telephone conferences with investors and analysts 141000 +场场反向路演活动Reverse roadshows 参与人次with more than participants In 2024 Chapter IV 共享共赢建设和谐社会江苏金租｜143142｜ 2018年公司上市以来，严格遵循证监会及上交所的各项规定，并主动参考港交所的信息披露要求，持续优化信息披露质量。Since its listing in 2018, the Company has strictlyadhered to the regulations of the China SecuritiesRegulatory Commission and the Shanghai StockExchange, and has proactively referenced thedisclosure requirements of the Hong Kong StockExchange, continuously optimizing the quality of itsinformation disclosure. 公司建立了一套贯穿信息披露全流程的制度体系。从信息披露管理流程、定期报告编制，到临时公告流程、内幕信息管控等关键环节，均有章可循。The Company has established a set of institutional systems covering the entire information disclosure process.From the management process of information disclosure, preparation of periodic reports, to the process ofinterim announcements and control of insider information, there are established guidelines for every key link. 透明的信息披露Transparent information disclosure 01 构建全面制度体系Building a comprehensive institutional system 《信息披露管理制度》Information Disclosure Management Rules 《重大信息内部报告管理办法》Internal Reporting ManagementMeasures for Major Information 《定期报告编制规程》Procedures for the Preparation of Periodic Reports 《临时公告信息采集工作规程》Work Procedures for Collecting InterimAnnouncement Information 核心制度Core systems 沪市上市公司2023-2024 年度信息披露评价： A Shanghai Listed Companies2023-2024 Information Disclosureevaluation: Grade A 监事会Board ofSupervisors 董事会办公室Oce of the Board ofDirectors 董事会Board ofDirectors 董事会秘书Secretary ofthe Board ofDirectors 履行监督职责Fulfills supervisory duties 信息披露的直接责任人Directly responsible for information disclosure 信息披露事务的日常执行部门The daily execution department for information disclosure matters 公司信息披露的最高责任主体董事长为第一责任人The highest body responsible for the Company'sinformation disclosure; the chairman is the primary responsible person 公司搭建了“董事会、监事会、管理层、执行部门”协同运作的多层级信息披露管理架构。The Company has established a multilevel information disclosuremanagement framework with coordinated operation among the"Board of Directors, Supervisory Board, Management, and ExecutionDepartments." 02 完善多层级治理架构Improving a multilevel governance structure 2024年，公司积极履行信息披露义务，全年共披露118则公告及文件，全面涵盖财务报告、对外担保、关联交易、股权激励、成立子公司等重大事项，向投资者与市场及时、准确地传递公司运营动态与发展情况，有力维护了市场的透明度与投资者的知情权。In 2024, the Company actively fulfilled its information disclosure obligations, releasing a total of 118announcements and documents throughout the year that comprehensively covered significant matters such asfinancial reports, external guarantees, related party transactions, equity incentive plans, and the establishmentof subsidiaries, thereby conveying the Company’s operational dynamics and development status to investorsand the market in a timely and accurate manner, and effectively safeguarding market transparency andinvestors’ right to know. 03 积极践行信息披露Active information disclosure Chapter IV 共享共赢建设和谐社会江苏金租｜145144｜公司自成立以来，始终秉持稳健经营、持续发展的理念，致力于为股东创造长期价值。在经营业绩稳健增长的同时，公司以现金分红方式积极回报股东，与股东共享成长红利。Since its inception, the Company has always adhered to theprinciples of steady operation and sustainable development,committed to creating long-term value for its shareholders. Alongwith stable growth in operational performance, the Companyactively returns cash dividends to shareholders, sharing the growthdividends with them. 稳定的分红方案Stable dividend policy 2023201920222018202120172020 3.58 5.97 7.17 8.96 10.45 10.61 13.98 员工 Employees 议题 / Topic 公司高度重视职工代表大会体制机制的建设，将其视为保障员工民主管理权利、促进企业和谐发展的重要途径。公司制订了《职工代表大会工作规则》，明确职代会的职权范围和决策程序，切实保障员工在企业管理中的知情权、参与权、表达权和监督权。The Company attaches great importance to the construction of the employee congress system and mechanism,considering it an important means to safeguard employees’ democratic management rights and promoteharmonious enterprise development. The Company formulated the "Rules for the Employee Congress," clearlydefining the scope of authority and decision-making procedures of the congress, effectively safeguardingemployees’ rights to be informed, participate, express opinions, and supervise enterprise management. 实行民主管理Implement democratic management 2024年，公司共召开了三次职代会，围绕涉及员工切身利益的重大事项进行讨论研究。为员工提供了一个充分表达意见、参与公司决策的平台，使员工能够直接参与到关乎自身权益的事务中，增强了员工的归属感和责任感。In 2024, the Company held three meeting of the Congress of Workers and Staff to discuss major mattersaecting employees' interests, providing a platform for employees to fully express their opinions and participatein Company decision-making, thereby enhancing employees’ sense of belonging and responsibility.2024年，公司职工监事全力担当员工权益代表，深度参与公司重要事项。作为员工利益守护者，职工监事定期向职代会述职，接受监督评议。在公司事务里，职工监事始终以维护员工利益为核心，积极参与决策，推动公司治理结构持续优化。In 2024, the Company’s employee supervisors fully assumed their role as representatives of employee interests,deeply participating in important Company matters. As guardians of employee interests, employee supervisorsregularly reported to the Congress of Workers and Sta and underwent supervisory evaluations. In Companyaairs, they have always focused on protecting employee interests, actively participating in decision-making,and promoting continuous optimization of the Company’s governance structure. 2024年职工代表大会2024 Congress of Workers and Sta 分红总额Total dividend亿元 / In RMB 100 million Chapter IV 共享共赢建设和谐社会江苏金租｜147146｜保障员工权益Protecting employees’ rights and interests 公司严格遵守《中华人民共和国劳动法》《中华人民共和国劳动合同法》等法律法规，依法与员工签订劳动合同，建立劳动关系。同时，积极推进集体协商，签订集体合同，明确双方权利义务，保障员工合法权益，维护劳动关系的和谐稳定。The Company strictly complies with the "Labor Law of the People's Republic of China," the "Labor Contract Lawof the People's Republic of China," and other relevant laws and regulations, legally signing labor contracts withemployees and establishing labor relationships. Furthermore, it actively promotes collective bargaining, signingcollective contracts to clarify the rights and obligations of both parties, safeguarding employees’ legitimaterights and interests and maintaining harmonious and stable labor relations. 秉持公平公正原则，执行按劳分配和同工同酬政策，构建具有竞争力的薪酬体系。依法为员工足额缴纳社保与公积金，搭建 “基本养老保险 + 企业年金”双支柱养老保障体系，完善健康风险保障，涵盖年度体检、补充医疗保险和重大疾病保险。Adhering to the principles of fairness and justice, the Company implements the distribution of labor accordingto work performed and equal pay for equal work, and builds a competitive remuneration system. It legallypays full social security and housing funds for employees, establishing a dual-pillar pension security system of"basic pension insurance + enterprise annuity," and improves health risk protection, including annual physicalexaminations, supplementary medical insurance, and major disease insurance. 01 规范劳动用工管理Standardizing labor management 02 完善薪酬保障体系 Improving the remuneration protection system 支持员工发展Supporting employee development 01 激发员工价值Motivate employees to explore their own potential 推行竞争上岗与双向选择，实现人员、岗位灵活变动。2024年2月完成第十轮竞聘，选拔出的新一届中层管理团队更趋年轻化、高学历化，激发了团队活力。The Company implementing competitive hiring and mutual selection to enableflexible changes in personnel and positions. In February 2024, the 10th round ofcompetitive recruitment was completed, selecting a new, younger, and higher-level educated middle management team, which has stimulated team vitality. 公司每年度开展评奖评优工作，从业绩表现、创新能力、团队协作等多个维度进行综合考量，选拔出具备标杆意义的先进集体与个人。The Company conducts annual awards and recognition activities, comprehensivelyevaluating performance, innovation capability, teamwork, and other dimensions,selecting exemplary groups and individuals with benchmark significance. 遵循“市场导向、按劳付酬” 原则，董事会确定年度薪酬总额，按“双挂钩”机制分配。建立“MBA”岗薪体系，依年度绩效对员工岗薪进行动态调整，有效激发团队积极性。Following the principle of “market orientation and labor-based remuneration,”the Board of Directors determines the annual total remuneration and allocatesit according to the “dual-linkage” mechanism. An “MBA” remuneration systemis established to dynamically adjust employee salaries based on annualperformance, eectively stimulating team enthusiasm. 优化考核体系，结合定量与定性、部门与个人、过程与结果考核，季度与年度考核并行。通过绩效激励与诫勉谈话，提升员工与组织绩效。对关键岗位员工的绩效薪酬延期支付，确保公司稳健运营。The Company optimizes the evaluation system by integrating quantitative andqualitative assessments, departmental and individual evaluations, and processand outcome assessments, with quarterly and annual evaluations conductedconcurrently. Through performance incentives and admonition discussions, employeeand organizational performance is improved. For key positions, performance‐basedremuneration is deferred to ensure the Company’s steady operation. 竞聘双选机制Competitive recruitment anddual-selection mechanism 绩效考核机制 Performanceevaluation mechanism 薪酬动态调整机制Dynamic remunerationadjustment mechanism 评奖评优机制Award and recognitionmechanism Chapter IV 共享共赢建设和谐社会江苏金租｜149148｜公司以“一张人才发展地图，公司与部门两个实施层面，中高层管理人员、客户经理与新员工三类群体”为框架，着力构建“1+2+3”人才培养体系。2024年，共组织公司层面培训课程76门，员工覆盖率100%，着力提升员工能力，推动公司业务创新增长。Based on the framework of “one talent development map, twoimplementation levels (company-level and department-level), three targetgroups (middle and senior management, relationship managers, and newhires),” the Company is committed to building a “1+2+3” talent developmentsystem. In 2024, a total of 76 Company-level training courses wereorganized, achieving 100% employee coverage to enhance skills and driveinnovative business growth. 02 完善培训体系Improving the training system 门 % 公司层面培训课程Company level training courses 员工覆盖率Employee coverage rate （1）“领航”中高层培训 "Navigation" middle and senior management training启动新一轮培训，邀请高校教授、行业专家就经济形势、领导力提升等内容授课，助力新一届中层管理者承接战略、推动创新。A new training cycle was launched, inviting university professors andindustry experts to address topics such as economic trends and leadershipenhancement, helping the new cohort of managers execute strategy andfoster innovation. （3）“新航”新员工培训 "New voyage" new employee training 优化设计7类专题课程，配备带教指导，助力新员工快速融入公司，提升行业认知与业务技能。Seven specialized courses were redesigned and paired with mentoring,helping new hires quickly integrate into the company while boosting industryunderstanding and operational skills. （2）“远航”客户经理培训 “Far voyage" client manager training完成第一轮三年期授课，强化业务开发与风险管控技能。针对组长与大项目业务人员开展专项培训，提升员工专业化能力。The first round of a three-year training program was completed, reinforcingskills in business development and risk management. Special sessions werealso held for team leaders and staff handling major projects to enhanceprofessional expertise. 聚焦员工多元需求，打造“温馨苏租”服务体系。Focusing on the diverse needs of employees, the Company has developed the "Warm JFL" service system. 关爱员工生活Caring for employee life 01 暖心苏租：全周期关怀传递温度 Warm JFL: Full-cycle care spreading warmth 创新“家庭日”品牌活动Innovative "Family Day" branded events已连续开展五季，累计服务800余组家庭，建立亲子互动平台；Held for five consecutive seasons, the events servedover 800 families in total and functioned as aplatform for parent-child interaction; 完善的硬件设施Comprehensive hardware facilities医疗室、健身房、图书馆、瑜伽室、音乐室。Medical rooms, gyms, libraries, yoga rooms, andmusic rooms. 开展妇女节特别活动Special Women's Day event2024年推出“如繁花盛开的她”主题活动，举办花艺疗愈、汉服体验等活动；In 2024, the event under the theme “She, asBlossoming Flowers” were held, featuring activitiessuch as floral therapy and Han Chinese costumeexperiences. “四叶草?员工健康关爱计划”Four-Leaf Clover Employee Health Care Plan2024年围绕身心健康主题，开展主题沙龙、健康讲座等活动。年度健康体检覆盖率达100%，员工健康包配置至每个工位。In 2024, themed salons and health lectures wereorganized around physical and mental well-being.The annual health examination coverage reached100%, and health care packages were provided atevery workstation. JFL Chapter IV 共享共赢建设和谐社会江苏金租｜151150｜ 03 安心苏租：健康安全筑牢发展基石ecure JFL: Health and safety as the cornerstone of development 以文体活动为载体，塑造积极向上的文化氛围。运营10个文体俱乐部，年均开展读书会、交友联谊等活动50余场，其中教师专场联谊促成百名青年互动。The Company shapes a positive and upward cultural atmosphere viacultural and sports activities.operating 10 cultural and sports clubs, hostingover 50 events annually such as book clubs and social gatherings, includingspecial teacher gatherings that foster interaction among hundreds of youngindividuals. （1）持续十年打造“彩虹跑”IP The "Rainbow Run" held continuously for ten years 2024年第十季吸引500+员工参与，十年累计参与超4000人次；In the tenth season in 2024, over 500 employees participated, with acumulative participation of over 4,000 times in ten years; （2）联合央企举办“苏租讲坛”第五季 The 5th "JFL Forum" jointly held with central enterprises孵化青年演讲人才，覆盖金融、法律等领域。Nurturing young public speaking talent, covering fields such as finance and law. 02 开心苏租：多元文化激发组织活力 Happy JFL: Diverse cultures stimulating organizational vitality 4,000 + + 人次场十年累计参与Accumulated participation overthe past decade 年均开展活动Carry out activities annually 构建三级健康防护体系Establishing a three-level health protection system 组织全员健康体检，配置AED急救设备及标准化医疗室；Organizing health examinations forall employees and equipping AEDemergency devices and standardizedmedical rooms; 推行“全员运动计划”，与专业文体场馆合作，每周固定时间向员工开放场地；每年度举办专业运动赛事；不定期组织徒步活动。Implementing an “All-Employee ExercisePlan” in cooperation with professionalsports venues, with fixed weekly access foremployees; organizing professional sportsevents annually; and periodically arranginghiking activities. 三级健康防护体系Three level healthprotection system 全员运动计划All-EmployeeExercise Plan 心理健康EAPpsychological health EAP 全员健康体检All sta? health check ups 开发心理健康EAP项目，年度举办压力管理讲座6场，帮助员工有效释放心理压力。Developing a psychological health EAP project, holding 6stress management lectures annually to help employeeseectively release psychological stress. Chapter IV 共享共赢建设和谐社会江苏金租｜153152｜江苏金租始终秉持回馈社会的理念，积极投身于各类慈善公益活动。多年来，公司通过结对帮扶、消费扶贫、教育慈善、助残助弱等多元化公益活动，用实际行动诠释责任担当，未来也将持续为社会贡献金融向善的力量。JFL has always upheld its commitment to giving back to society and actively participates in a variety of charitableinitiatives. Over the years, through partnerships, consumer poverty alleviation, educational philanthropy, andsupport for the disadvantaged, the company has demonstrated its sense of responsibility and will continue toharness the power of finance for good. 消费扶贫Poverty alleviation via local product sales江苏金租始终将消费扶贫工作视为重要使命。2024年，公司聚焦内蒙古地区，深入开展消费扶贫行动，以实际举措助力当地农牧产业发展，支持内蒙古农牧产品销售411,019元。JFL has always regarded poverty alleviation via local product salesas an important mission. In 2024, focusing on the Inner Mongoliaregion, the Company carried out in-depth consumption povertyalleviation actions, taking practical measures to support the localagriculture and animal husbandry industries, and supporting thesales of agricultural and animal products in Inner Mongolia with atotal value of 411,019 RMB. 慈善一日捐One-day charitable donation秉承“乐善有恒，大爱无疆”理念，公司连续开展慈善一日捐活动近10年，已累计吸引超2000名员工参与，累计筹得善款超200,000元。我们相信“久久为功”，点滴之爱，也能汇聚成海。2024年，“慈善一日捐”吸引400+员工参与，筹得善款35923.95元，善款精准帮扶重病低保、孤残儿童等群体。Adhering to the concept that “enduring benefactions and boundless love,” theCompany has continuously held one-day charity donation events for nearly 10years, attracting over 2,000 employees in total and raising over 200,000 RMBin charitable funds. We believe that persistent efforts, even in small amounts,can accumulate into a sea of love. In 2024, the "One-Day Charitable Donation"attracted over 400 employees and raised 35,923.95 RMB, which were preciselyallocated to support groups such as severely ill low-income individuals, orphans,and children with disabilities. 汇爱成海，拓宽帮扶维度Uniting compassion, broadening support 411,019 2,000 200,000 + 元名元支持内蒙古农牧产品销售supporting the sales ofagricultural and animalproducts in Inner Mongolia 累计参与员工Accumulated participationof employees 累计筹得善款Accumulated funds raised 慈善公益 Charity and commonwealactivities 议题 / Topic Chapter IV 共享共赢建设和谐社会江苏金租｜155154｜助梦成真，支持教育事业Supporting education and making children’sdreams come true 万元 “梦想小屋”三期捐赠Dream HousesThree phase donation “心语新愿”助学活动“Heartfelt New Wishes” scholarship program 自2019年起，公司向日葵公益团队连续6年组织“心语新愿”系列活动，为安徽石台县的贫困儿童提供“一对一”精准帮扶。通过员工定期、自发地组织捐赠活动为当地学校、卫生员提供教学物资与医疗设备，传递苏租爱心力量。Since 2019, the Company’s Sunflower Charity Team has organizedthe “Heartfelt New Wishes” series for six consecutive years,providing one-on-one precise assistance to underprivilegedchildren in Shitai County, Anhui. Regular, voluntary donation drivesby employees have supplied local schools and health workers withteaching materials and medical equipment, spreading the caringspirit of JFL.2024年，公司紧密对接当地的公益组织及教育部门，公司员工有效帮扶了石台县9名困难儿童。In 2024, the Company closely coordinated with local public welfareorganizations and education departments, effectively assisting 9disadvantaged children in Shitai County. “南京大学”专项奖学基金Nanjing University’s special scholarship fund自2018年起，江苏金租便开启了与南京大学的公益合作篇章，双方合作设立专项奖学金基金。6年来，公司已累计向南京大学捐赠奖学基金120万元。我们期望能够以此激励莘莘学子勤奋向学、勇攀学术高峰。Since 2018, JFL has initiated a public welfare cooperation withNanjing University, establishing a special scholarship fund throughjoint eorts. Over the past 6 years, the Company has cumulativelydonated 1.2 million RMB in scholarship funds to Nanjing University.We hope this will inspire diligent study and the pursuit of academicexcellence among students. 2024年，江苏金租落实“梦想小屋”第三期计划，向盱眙县红十字会捐款36万元，至此，计划捐赠的108万元善款已全部到位。In 2024, the Company implemented the third phase of the “DreamHouses” plan by donating 360,000 RMB to the Xuyi County RedCross; with this, the total pledged donation of 1.08 million RMB hasbeen fully disbursed. “梦想小屋”，关爱事实孤儿Dream houses - caring for de facto orphans“改造一间小屋，打开一扇心门，编织一个梦想，创造一段人生”。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。我们相信于方寸之中，也能看见美好未来。“Renovate a small house, open a door to the heart, weave a dream, and create a new life.” In response to the“Dream Renovation+” care plan initiated by the Communist Youth League of Jiangsu Province and the JiangsuHope Project Oce, JFL has built “Dream Houses” for over a hundred de facto orphans in Xuyi County, providingwarm and solid support to improve their educational and living conditions. We believe that even in the smallspaces, a beautiful future can be envisioned. Chapter IV 共享共赢建设和谐社会江苏金租｜157156｜ “热血”奉献，用爱心为生命接力Passionate contribution – empoweringlife through Love 久久为功，爱心传递永不停Sustained eorts – the unceasing flowof love 2024年，公司联合江苏省血液中心，组织开展无偿献血活动，超120位员工踊跃报名、积极参与，献血总量达29550cc。这也是公司连续第9年开展无偿献血活动，生命因热血而不息，爱心因传递而耀眼。In 2024, the Company, in partnership with the Jiangsu Blood Center, organized avoluntary blood donation drive. More than 120 employees eagerly participated,donating a total of 29,550 cc of blood. This marked the ninth consecutive year ofhosting such events—an enduring testament to the vitality of life fueled by passionand the brilliance of shared love.公司将持续发扬无偿献血活动的责任与担当，以实际行动支持公益献血事业，用爱心为“生命接力”增添希望！The Company will continue to uphold the spirit of voluntary blood donation,actively supporting this cause and adding hope to life through every act ofkindness. 99公益，爱心助学99 Charity – supporting education through love公司积极响应共青团江苏省委等的号召，以组队形式参与“圆梦行动”助学项目。也是公司连续10年参与“99公益日”，“十年如一日，久久做好事”，公司希望这场爱的行动一直继续，爱心传递永远不停，并在公益领域、公益形式方面不断开拓创新！In response to the call from the Jiangsu Provincial Committee of theCommunist Youth League and other organizations, the Companyparticipated in the “Dream Fulfillment Action” scholarship projectas a team. For the tenth consecutive year, it has taken part in “99Charity Day”—doing good consistently over a decade. The Companyis determined to keep this movement of love alive, continuouslyinnovating in both the scale and approach of its charitableendeavors. 29,550120cc位献血总量Total amount of blood donation积极参与员工Actively participate in employees Special Topic乙巳不惑半步领先江苏金租｜159158｜乙巳不惑半步领先 Celebrate the 40 th anniversary offoundation and maintain half astep ahead Special topic专题 Special Topic乙巳不惑半步领先江苏金租｜161160｜栉风沐雨砥砺前行Braving the wind and rain and forgingahead 2024 1985 2002 2009 2016 2018 2020 江苏金租前身?江苏省租赁有限公司成立。In 1985, the predecessorof JFL—Jiangsu Leasing Co.,Ltd.—was established.1988年，江苏金租获得中国人民银行颁发的《经营金融业务许可证》。In 1988, JFL obtained the"License for OperatingFinancial Business" issuedby the People's Bank ofChina. 江苏交通控股对公司进行战略重组。In 2002, JiangsuCommunications HoldingsCo., Ltd. conducted astrategic restructuring ofthe Company.2003年，公司推行“三项制度”改革，实行全员竞争上岗和双向选择。In 2003, the Companyimplemented the"Three-System" reform,introducing competitivehiring and mutualselection. 南京银行入股，正式开启混合所有制改革进程。In 2009, Bank of Nanjing took equity,ocially initiating the process ofmixed-ownership reform.2010年，国际金融公司（IFC）入股。In 2010, the International FinanceCorporation (IFC) took equity.2013年，中信产业基金入股。In 2013, CITICPE took equity.2014年，法巴租赁（BPLG）入股，公司完成混合所有制改革。In 2014, BNP Paribas LeasingSolutions took equity, and theCompany completed its mixed-ownership reform. 公司资产规模突破400亿元，IPO申请获证监会受理。In 2016, the Company’sasset scale surpassed 40billion RMB, and its IPOapplication was acceptedby the CSRC.2017年，公司荣获全国文明单位，并作为行业唯一代表参加全国金融工作会议。In 2017, the Company wasawarded the NationalCivilized Unit honorand participated in theNational Financial WorkConference as the soleindustry representative. 公司在A股主板上市，成为全国首家A股上市金租公司。In 2018, the Company waslisted on the A-share mainboard, becoming the firstfinancial leasing companylisted on the A-sharemarket nationwide. 成为江苏省内第一家完成限制性股权激励的国有企业。In 2020, the Companybecame the first state-owned enterprise inJiangsu Province tocomplete a restricted stockincentive plan.2022年，公司资产规模突破1000亿元；获评国务院国资委“国有企业公司治理示范企业”。In 2022, the Company’sasset scale surpassed100 billion RMB; it wasrated as a "State-OwnedEnterprise CorporateGovernance ModelEnterprise" by the State-Owned Assets Supervisionand AdministrationCommission of the StateCouncil. 与法巴租赁共同成立全国首家中外合资、专门服务农业与科技市场的金租专业子公司。In 2024, together with BNPParibas Leasing Solutions,the Company establishedthe nation’s first financialleasing subsidiary withSino-foreign investmentthat serves the agricultureand technology markets. Special Topic乙巳不惑半步领先江苏金租｜163162｜做银行的有益补充，彰显租赁专业化服务能力To serve as a beneficial supplement tobanks, demonstrating specialized leasingservice capabilities.做银行不能做的→设备管理要求高、设备控制风险功能强的行业Do what banks cannot do→Industrieswith high equipment managementrequirements and strong equipment riskcontrol functions.做银行不愿做的→融资金额小、项目数量大、管理成本高的中小微业务Do what banks are unwilling to do→Smalland micro businesses with small financingamounts, numerous projects, and highmanagement costs. 与银行系、产业系金租差异化竞争，做小做精Competing distinctly with bank-aliated and industry-backed leasing firms by focusing on niche excellence.与银行系金租相比，公司没有资金、客户资源优势，与产业系金租相比，公司缺乏产业、产品、渠道背景→通过绑定厂商，深耕区域，培育自身的专业资源和渠道资源While we may lack the funding and client resourcesof bank-affiliated firms and the industrial, product,and channel advantages of industry-backed firms, wehave built our own specialized resources and channelnetworks through close partnerships with manufacturersand regional expertise. 40 years我们找准了公司定位we have determined our correct positioning 专业化Specialization 差异化Dierentiation 凝聚智慧继往开来Gathering wisdom, carrying the legacy forwardand forging ahead into the future 2025年是江苏金租成立40周年。40年在历史的长河中只是短短一瞬，但对于江苏金租来说却是一段不凡的路程。2025 marks the 40th anniversary of JFL’s establishment. Forty years is but a brief moment in the long course ofhistory, yet for JFL it represents an extraordinary journey.这条路上，我们拥抱时代、追逐变化，紧跟中国经济潮水的方向，紧跟金租行业成长的速度，积极求变、主动应变，持续探索苏租模式与道路。On this journey, we embrace the spirit of the times and actively pursue change—keeping pace with the dynamiccurrents of China’s economy and the rapid growth of the financial leasing industry. We constantly seektransformation and respond proactively, continually refining the JFL model and exploring new paths forward.在这条奋进之路上，我们以无畏的勇气直面波折，在跌宕起伏中深度淬炼，沉淀出独一无二的苏租经验；面对外界质疑，我们秉持着对金融理想的执着坚守，于深度反思和探索中锻造苏租竞争力；我们大胆开拓，探索鲜有人涉足的领域，以先行先试的担当和敢为人先的魄力，为行业发展提供创新思路。Along this path of progress, we confront challenges with unwavering courage, using every setback as anopportunity to refine our unique JFL experience. In the face of external skepticism, we remain steadfast in ourfinancial ideals, forging a competitive edge through deep reflection and relentless exploration. We boldlyventure into uncharted territories, driven by a pioneering spirit and the courage to be first, oering innovativeideas that propel the entire industry forward.回望过首，我们从40年宝贵的历史经验中汲取智慧、凝聚力量；展望未来，我们也将始终以“创业者”的姿态不负芳华、鼎力前行！Reflecting on our 40 years of valuable history, we have gathered wisdom and strength; looking forward, we willcontinue to march ahead with the spirit of entrepreneurs, making the most of our prime years. Special Topic乙巳不惑半步领先江苏金租｜165164｜懂设备、懂产业Understanding equipment and industry.小金额、大批量Small amounts, large volumes.绑定厂商、深耕区域Binding with vendors and delving into regional markets.强大的信息科技系统A powerful information technology system. 自主展业、自主融资Independent business development and independent financing.以客户为中心，前台服务市场，中后台服务前台Client-centered, front-office serving the market, and back-office supporting thefront-oce.工资总额市场化、能者多劳，绩效向前台倾斜Salary marketization, more work for those who are capable, with performanceincentives leaning toward the front-oce.竞聘双选，人员能进能出、能上能下Competitive recruitment and mutual selection enables reasonable employeerecruitment and employment termination, and promotion and demotion 法巴租赁、国际金融公司入股With BNP Paribas Leasing Solutions and the International Finance Corporation asshareholders.国际化客户与厂商伙伴International clients and vendor partners.跨境银团贷款、国际评级（惠誉BBB+、穆迪Baa2）Cross-border syndicate loans, international ratings (Fitch BBB+, Moody’s Baa2). 专业化Specialization 市场化Marketization 国际化Internationalization 融物专业化： Asset-based specialization: 零售专业化： Retail specialization: 渠道专业化： Channel specialization: 业务市场化： Business marketization: 理念市场化： Concept marketization: 考核市场化： Evaluation marketization: 用人市场化： Employment marketization: 股东国际化： Shareholder internationalization: 业务国际化： Business internationalization: 融资国际化： Financing internationalization: 工具专业化： Tool specialization: 40 years 我们明确了发展方向we have identified ourdevelopment direction Special Topic乙巳不惑半步领先江苏金租｜167166｜为客户提供更快速、更便捷、更优质的服务Provide clients with faster, moreconvenient, and higher-qualityservices.长期坚守，持续服务，为合作伙伴带来价值Maintain long-term commitment andcontinuous service, deliver value topartners.“听到炮声就往前冲锋”，前台服务市场，中后台服务前台"Charging forward at the sound ofcannons" – with frontline teams servingthe market while support teams backthem up. 40 years 40 years 我们提炼了战略思想we have refined ourstrategic thinking 我们培育了核心能力we have developed core capabilities坚持零售和融物深度结合Persist in deeply integrating retailand asset-based businesses. 坚持厂商和区域双线并进Persist in consolidating andexpanding regional and supplier resources 坚持信息科技与业务融合Persist in integrating information technology with business.坚持多元市场培育和重点市场开发Persist in cultivating diversemarkets and developing key markets. 选择一个行业、深耕一个行业、坚守一个行业Focus on and remain committed toone industry after choosing it通过行业的专业化，提升业务的专业性Enhance business professionalismthrough industry specialization.通过行业的多元化，支持公司穿越周期，缓释风险Varied industry focus enables us toweather cycles and mitigate risks将员工培养成各个设备租赁领域的专家Develop employees into experts acrossvarious equipment leasing segments. 强化金融科技赋能，将智能化、数据化作为核心管理工具Leveraging ?nancial technology to driveintelligent, data-driven management.持续优化内部流程与管理机制，适应业务发展的需要Continuously optimizing internalprocesses and management systemsto meet business needs.加强人力资源管理，细化考核与薪酬机制Strengthen human resourcemanagement and refine evaluationand compensation mechanisms. 精专行业Focusedindustries 精细管理Refinedmanagement 精品服务Premiumservices Special Topic乙巳不惑半步领先江苏金租｜169168｜ 40 years我们凝聚了可持续发展动力we have built sustainabledevelopment momentum 未来发展方向Futuredevelopmentdirections 改革活力Reform vitality持续改革，激发组织的活力Continuously reform to energizethe organization. 团队凝聚力Team cohesion以紧密团结的团队，保证内部的确定性A tightly unified team that ensuresinternal stability. 战略定力Strategic determination面对外部不确定性，保持战略定力Maintain strategic resolve amidexternal uncertainties. 凝聚人心的内核A core that unites hearts企业文化、员工关怀、品牌认同、社会价值Corporate culture, employee care, brand identity, and social value. 多行业业务布局Multi-industry business layout行业多元，梯队式孵化Diversified industries and echelon incubation. 灵活的组织架构Flexible organizational structure 敏捷决策、快速响应、敏态团队Agile decision-making, rapid response, and nimble teams. 持续的学习适应Continuous learning and adaptation 创新土壤、数智转型、学习型组织、“知识库”An innovative soil, digitaltransformation, learning organization, and "knowledge base." 多渠道资金组合Multi-channel capital mix国内外、长+短、资金市场+资本市场、品种组合Domestic and international, long-term+ short-term, money market + capital market, and variety combination. 多维度风险防控Multidimensional risk control 资产组合、压力测试、应急预案Asset portfolio, stress testing, and contingency plans. 与优秀者同行，向百年苏租迈进Work with the best on our journey to a centenary legacy 面向未来Future orientation 与优秀的投资者同行outstandinginvestors与优秀的客户同行Working withoutstanding clients 与优秀的专业机构同行outstanding professionalinstitutions 与优秀的厂商同行outstandingvendors Special Topic乙巳不惑半步领先江苏金租｜171170｜ 40年，40个感动瞬间40 years, 40 touchingmoments ESG关键绩效表江苏金租｜173172｜附录：ESG关键绩效表Appendix: ESG Key Performance Table 环境绩效指标Environmental Performance Indicators绿色租赁资产余额Balance of leased green assets 亿元CNY 100 million 203.43310.32413.63 清洁能源装机规模Installed capacity of clean energy systems GW5.378.5210.5生产清洁电力Produced clean electricity 亿度100,000,000 kWh 64138150减少标准煤消耗Reduction of standard coal consumption 万吨10,000 t 210422456减少二氧化碳排放量Reduction of carbon dioxide emissions 万吨10,000 t 54010391120 经济绩效指标Economic Performance Indicators 纳税总额Total tax payment 亿元CNY 100 million 9.9710.5212.00 总资产Total assets 亿元CNY 100 million 1089.921199.21,372.55营业收入Operating revenue 亿元CNY 100 million 43.4647.8752.78 利润总额Total profit 亿元CNY 100 million 32.1635.4339.21 净利润Net profit 亿元CNY 100 million 24.1226.629.43 指标 Indicator 单位 Unit202220232024 社会绩效指标Social Performance Indicators员工雇佣绩效指标Employee Employment Performance Indicators员工总数Total number of employees 人Person 447528570按性别划分By gender 男性Male 人Person 290337375女性Female 人Person 157191195 按年龄组别划分By age group 51岁及以上51 and above 人Person 12 11 1031岁至50岁31 to 50 人Person 21427832730岁及以下30 and below 人Person 221 239 233 按受教育程度划分By academic degree 博士 Doctorate 人Person 3 3 3硕士 Master’s 人Person 291323363本科 Bachelor’s 人Person 153197203大专及以下 Junior college and below 人Person 0 5 1 电子签合同数Number of electronic contracts signed 笔 / 51,26339,69860,177耗水总量Total water consumption 吨Ton 15,88419,22520,437消耗天然气总量Total natural gas consumption 立方米m3 24,460.0033,049.7435,580.00耗电总量Total electricity consumption 千瓦时kWh 1,715,7241,910,7722,121,318能源消耗费用Energy consumption costs 万元CNY 10,000 136.34164.93193.41 办公用品消费Oce supplies expenditure 万元CNY 10,000 23.5920.8521.91 ESG关键绩效表江苏金租｜175174｜员工多元化Employee diversity 少数民族员工总数 Total number of employees ofethnic minorities 人Person 8 8 10 员工流失率Employee turnover rate %6%5%7%按性别划分By gender 男性Male 人Person 182123女性Female 人Person 9918 按年龄组别划分By age group 51岁及以上51 and above 人Person 2 1 231岁至50岁31 to 50 人Person 8 10 1430岁及以下30 and below 人Person 17 19 25员工培训绩效指标Employee Training Performance Indicators员工培训覆盖率Employee training coverage %100%100%100%开展员工培训期数Number of employee training sessions 期 Session 396365387员工职业健康与安全绩效指标Employee Occupational Health and Safety Performance Indicators因工作关系而死亡的员工人数Number of employee deaths due to work-relatedcauses 人Person 0 0 0劳工歧视事件Labor discrimination incidents 件 / 0 0 0员工职业病发病率Employee occupational disease incidence rate %0 0 0员工职业健康保险投入Investment in employee occupational healthinsurance 万元 CNY 10,000 1711.41 1508.16 1815.47参加员工体检人数Number of employees participating in healthcheckups 人Person 447528570员工体检覆盖率Employee health checkup coverage rate %100%100%100% 社会保险覆盖率Social insurance coverage %100%100%100%劳动合同签订率Labor contract signing rate %100%100%100%人均带薪休假天数Paid vacation days per capita 天 Day 6 5 6公益慈善绩效指标Public Welfare and Charity Performance Indicators无偿献血量Amount of voluntary blood donations CC218002835029550公益慈善总额Total amount of charitable donations 万元 CNY 10,000 128.2199.03100.79 治理绩效指标Governance Performance Indicators 三会治理关键指标Key governance indicators of the Shareholders' Meeting, the Board of Directors and the Board of Supervisors股东大会召开次数Number of meetings held by the Shareholders’Meeting 次 / 1 3 3董事会召开次数Number of meetings held by the Board of Directors 次/ 4 7 8监事会召开次数Number of meetings held by the Board of Supervisors 次/ 4 5 4董事会专门委员会召开次数Number of meetings held by specialized committeesof the Board of Directors 次/ 14 16 15董事会成员人数Number of members of the Board of Directors 人Person 11 11 11其中:男性董事Including female director(s) 人Person 10 10 9女性董事Female director(s) 人Person 1 1 2其中:外籍董事Including foreign director(s) 人Person 1 1 1 ESG关键绩效表江苏金租｜177176｜其中:独立董事Including independent director(s) 人Person 4 4 4非独立董事Non-independent director(s) 人Person 7 7 7监事会成员人数Number of members of the Board of Supervisors 人Person 6 6 6其中:男性监事Including female supervisors 人Person 5 5 4女性监事Female supervisor(s) 人Person 1 1 2其中:职工监事人数Including employee supervisor(s) 人Person 2 2 2公告及文件披露数Number of announcements and documentdisclosures 项/ 97 116 118反腐败管理关键指标Key Anti-corruption Management Indicators廉洁警示教育视频观看人数Number of employees who watched integrityeducation videos 人Person 447528570公司开展反腐败培训次数Number of anti-corruption training sessionsconducted 次/ 101105125接受反腐败培训的员工人数Number of employees receiving anti-corruptiontraining 人Person 447528570反腐败培训覆盖员工比例Percentage of employees covered by anti-corruptiontraining %100%100%100% 江苏金租｜
附件： ↘公告原文阅读

环境、社会及治理（ESG）报告做一家有温度的金融租赁公司年度2024

目录江苏金租｜

｜

重要性议题分析Analysis of material topics关于本报告About the report

走进江苏金租About JFL

心怀绿意守护生态环境Green Development – Protecting the Environment

Chapter III

践行绿色金融Green ?nance practices

开展绿色融资Green ?nancing高效能源利用E?cient energy utilization

共享共赢建设和谐社会Shared Success – Building a Harmonious Society合作共赢Win-win cooperation

员工Employees

消费者权益保护Protect rights and interests ofconsumers

慈善公益Charity and commonweal activities

投资回报Investment return

Chapter IV

乙巳不惑半步领先Celebrate the 40th anniversary of foundation andmaintain half a step ahead

栉风沐雨砥砺前行Braving the wind and rain and forgingahead

凝聚智慧继往开来Gathering wisdom, carrying the legacyforward and forging ahead into thefuture40年，40个感动瞬间40 years, 40 touching moments

Special topic

主动作为服务新质生产力Proactive Actions - Supporting the Development of New-quality Productivity

响应国家政策服务实体经济Response to national policies, servingthe real economy

平等对待小微企业践行普惠金融Equal treatment of small and microenterprises and inclusive ?nancepractice升级数字金融赋能业务发展Upgrading digital ?nance to empowerbusiness growth

Chapter II

ESG管理ESG management

反商业贿赂及反贪污Anti-commercial bribery andanti-corruption

规范运营Standardized operation

反洗钱Anti-money laundering

金融风险防范Financial risk prevention

Chapter I

目录contents

P92

P122P16

P158P50

守正合规深化公司治理Integrity & Compliance – Deepening Corporate Governance

关于本报告江苏金租｜

｜

《江苏金融租赁股份有限公司2024年度环境、社会及公司治理（ESG）报告》（以下简称“ESG报告”“本报告”）是江苏金融租赁股份有限公司披露的第八份社会责任报告。报告披露了江苏金融租赁股份有限公司2024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，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。The “2024 Environmental, Social and Governance (ESG) Report of Jiangsu FinancialLeasing Co., Ltd.” (hereinafter referred to as the “ESG Report” or “this Report”) is theeighth social responsibility report disclosed by Jiangsu Financial Leasing Co., Ltd.This Report reveals the Company’s main practices and achievements in economic,environmental, social, and corporate governance responsibilities during 2024,aiming to address the expectations and concerns of stakeholders and to promotethe continuous improvement of the Company’s ESG performance.2024年1月1日至2024年12月31日，为增强报告可比性及前瞻性，部分信息往前后年度适度延伸。The reporting period spans from January 1, 2024 to December 31, 2024. To augmentthe report's comparability and foster a forward-looking perspective, some contentmoderately extends to encompass prior and subsequent years.本报告发布周期为一年一次，与公司年度报告发布周期一致。ESG report is issued once a year, in line with the release cycle of the Company’sannual report.江苏金融租赁股份有限公司简称为“江苏金租”“公司”或“我们”。Jiangsu Financial Leasing Co., Ltd. is referred to as “JFL”, “the Company” or “we”.江苏法巴农科设备金融租赁有限公司简称为“江苏法巴金租”或“子公司”。JFL BNP Paribas Agriculture and Technology Financial Leasing Co., Ltd. is referred toas “FBFL” or “Subsidiary”.本报告所引用的财务数据主要来自经审计的2024年度财务报告，其他数据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 auditedfinancial statements for the year 2024, while other data are derived from theCompany’s internal systems or manual collation. The statistical methods used forthe data disclosed in this report are consistent with those of previous years. Anychanges in statistical methods or calculation basis will be explained.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。Unless otherwise specified, all monetary figures and amounts mentioned in thisreport are denominated in RMB.

原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 theChina Banking and Insurance Regulatory Commission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 bythe 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14号?可持续发展报告（试行）》No. 14 Guidelines for Self-regulation and Governance of Listed Companies on theShanghai Stock Exchange - Sustainable Development Report (Trial)香港联合交易所《环境、社会及管治报告指引》Environmental, Social and Governance Reporting Guide issued by Stock Exchangeof Hong Kong中国社会科学院《中国企业社会责任报告指南(CASS-ESG5.0)》China Corporate Social Responsibility Reporting Guide (CASS-ESG 5.0) issued byChina 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 Initiative (GRI)本公司董事会保证，本报告中所披露的信息、数据真实可靠，不存在任何虚假记载或误导性陈述。The Board of Directors of the Company warrants that the information and datadisclosed in this report are true and reliable and free from any false records ormisleading statements.本报告以印刷版（采用环保纸印刷）和网络版两种形式发布，网络版可在公司网站（https://www.jsleasing.cn/）查阅。This report is available in both print (printed on eco-friendly paper) and digitalformats. The digital version can be accessed on the Company's website (https://www.jsleasing.cn/).本报告以中文、英文、法文三种语言发布，当不同语言文本在理解上出现歧义时，请以中文文本的内容为准。This Report is presented in Chinese, English, and French. In the event of anyambiguity in interpretation among the different language versions, the Chineseversion shall prevail.

报告说明Report description

报告范围Report scope

编制依据Preparation basis

可靠性保证Reliability assurance

发布形式Publication forms

称谓说明Terminology explanation

数据说明Data description

报告发布周期Report release cycle

关于本报告About the report

走进江苏金租江苏金租｜

｜

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，是经原中国银行保险监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目前唯一一家登陆A股的金融租赁公司。Founded in June 1985, Jiangsu Financial Leasing Co., Ltd. (stock code:

600901.SH) is a non-banking financial institution approved by theformer China Banking and Insurance Regulatory Commission to conductfinancial leasing business. Since its listing on the Shanghai StockExchange in 2018, the Company has become the first and the onlyfinancial leasing company listed on China's A-share market.多年来，公司秉承“专业化、差异化”市场定位，坚持“服务中小、服务三农、服务民生”的理念，结合国际、国内租赁实践经验，聚焦绿色能源、交通运输、高端装备等十大板块100多个细分领域，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 marketpositioning of “specialization and differentiation," maintaining a focuson "serving small and medium-sized enterprises, agriculture, rural areasand rural people, and people's livelihoods." By integrating internationaland domestic leasing expertise, the Company extends its reach into morethan 100 sub-sectors in ten sectors such as green energy, transportationand high-end equipment, delivering professional and featured financingleasing services to hundreds of thousands of businesses and individuals.

公司简介Company pro?le

01 公司概况Overview

02 主要业务领域Major business areas

清洁能源Clean Energy

交通运输Transportation

工程装备EngineeringEquipment

农业装备AgriculturalEquipment工业装备IndustrialEquipment

科学技术Science AndTechnology现代服务Modern Services节能环保Energy ConservationAnd Environmental

Protection

医疗健康Medical Health

民生保障Livelihood

Security

走进江苏金租About JFL

1985

成立于Founded

600901.SH股票代码stock code

2018挂牌上市listing

走进江苏金租江苏金租｜

｜

股东大会Shareholders' General

Meeting

董事会Board of Directors

经营层Management Team

监事会Board of Supervisors

战略委员会Strategy Committee风险管理与消费者权益保护委员会Committee of Risk Management andConsumer Rights & Interests Protection提名与薪酬委员会Nomination and RemunerationCommittee审计委员会Board of Auditors关联交易控制委员会Related Party Transaction ControlCommittee

社会评价Social evaluation

03 组织架构 Organizational structure

01 行业地位 Industry status

纪检监督室DisciplineInspection andSupervision O?ce

授信评审部Credit ReviewDepartment

小企业金融一部Small BusinessFinance Department

大健康事业部Holistic HealthDivision

人力资源部Human ResourcesDepartment

风险管理部Risk Management

Department

航运金融事业部Shipping FinanceDivision

民生金融事业部People'sWellbeing FinanceDepartment

办公室/董办O?ce/O?ce of theBoard of Directors

信息科技部

Information

Technology

Department

控股子公司Holding subsidiary江苏法巴农科设备金融租赁有限公司JFL BNP Paribas Financial Leasing Co., LTD

清洁能源二部Clean EnergyDepartment II

财务部FinanceDepartment

金融同业部Financial InterbankDepartment

汽车金融事业部Auto FinanceDivision

清洁能源一部Clean EnergyDepartment I

资产管理部Asset Management

Department

产业金融事业部Industrial FinanceDivision

工程机械事业部ConstructionMachinery Division

审计部AuditDepartment

法律事务部Legal A?airsDepartment

小企业金融二部Small BusinessFinance Department

高端装备事业部High-EndEquipment Division

持股55%

穆迪国际评级结果Baa2Moody’s international rating: Baa2

参加第五次全国金融工作会议（租赁行业唯一代表）Sole representative of the leasingindustry at the 5th National Financial

Work Conference

中国上市公司协会理事单位Council member of the ChinaAssociation for Public Companies

唯一主板上市的金融租赁公司The only financial leasing companylisted on the main board

中国银行业协会金融租赁专业委员会

副主任单位Deputy chair unit of the FinancialLeasing Committee of the ChinaBanking Association

中诚信国际信用评级有限责任公司

主体信用等级AAAAAA issuer credit rating by ChinaChengxin International Credit Rating

Co., Ltd.

全国文明单位National civilized unit国内最早成立的金融租赁公司之一One of the earliest financial leasing

companies in China

惠誉国际评级结果BBB+Fitch international rating: BBB+

走进江苏金租江苏金租｜1110｜

奖项名称Award

颁发单位Granted by

奖项名称Award

治理奖项Governance awards

科技奖项Technology awards

业务奖项Business awards

品牌奖项Brand awards

03 2024年主要奖项荣誉 Major awards in 2024

02 业务突破 Business breakthroughs

第一家进入银行间同业拆借市场The first company to enter the interbank lendingmarket

第一批获准发行金融债券One of the first companies permitted toissue financial bonds第一家获准吸收股东存款The first company to receive authorization forreceiving shareholders’ deposits

第一批获准开展资产证券化业务One of the first companies permitted toengage in asset securitization business第一家获准向商业银行转让应收融资租赁款The first company to receive authorizationfor transferring financing lease receivables tocommercial banks

发行境内第一单国际气候债券标准认证的绿色债券The issuer of the first green bond in China,certified under the International ClimateBond Standard第一家使用租赁资产支持引入保险资金The first company to use leased assets tosupport the introduction of insurance funds

设立第一家中外合资、专业服务农业和科技行业的子公司The founder of the first Sino-foreign jointventure subsidiary dedicated to serving theagriculture and technology industries

○“上证·金质量”奖公司治理奖“SSE·Golden Quality Award” for corporate governance

●上海证券报Shanghai Securities News○江苏高质量发展标杆企业Jiangsu High-quality Development BenchmarkEnterprise

●苏商精英大会评审委员会Evaluation Committee of Jiangsu EliteBusiness Conference

○

江苏企业社会责任典范Model Jiangsu Enterprise for Social Responsibility

●江苏财经年会评审委员会Evaluation Committee of Annul JiangsuFinance and Economics Meeting○ESG金茉莉奖ESG Golden Jasmine Award

●江苏资本市场峰会组委会Organizing Committee of JiangsuCapital Market Summit

○“腾飞奖”最具影响力金融租赁公司“Ascendance Awards” - The Most Influential FinancialLeasing Company

●

全球租赁业竞争力论坛Global Leasing IndustryCompetitiveness Forum○“中国融资租赁榜”年度公司China Financial Leasing Ranking - Company of theYear

●中国外商投资企业协会China Association of Enterprises withForeign Investment

○

中国企业家博鳌论坛金融资本分论坛卓越普惠金融案例Boao Forum for Entrepreneurs - Financial Capital Sub-Forum - Excellent Inclusive Finance Case

●经济参考报Economic Information Daily

○金泉奖·年度最佳绿色低碳资本市场创新融资奖Jinquan Award: Annual Best Green Low-CarbonCapital Market Innovation Financing Award

●上海证券报、上海市融资租赁行业协会Shanghai Securities News, ShanghaiFinancial Leasing Industry Association○卓越竞争力普惠金融践行金融机构Exceptional Financial Institution ImplementingInclusive Finance with Competitive Excellence

●中国经营报China Business Journal○金蝉奖“年度上市公司杰出品牌”Golden Cicada Award - “Outstanding Listed CompanyBrand of the Year”

●华夏时报China Times○海事金融交易大奖The Leasing Deal of the Year

●《Marine Money》○创新汽车金融租赁公司奖Innovative Automotive Financial Leasing CompanyAward

●中国国际贸易促进委员会China Council for the Promotion ofInternational Trade

○

助力乡村振兴奖Rural Revitalization Support Award

●

人民网People.cn○江苏金融业网络安全技能竞赛团队优秀奖Jiangsu Financial Industry Cybersecurity SkillsCompetition - Team Excellence Award

●江苏金融监管局Jiangsu Branch of the NationalFinancial Regulatory Administration○智能创新实验室优秀课题科技创新成果奖Science and Technology Innovation AchievementAward of Intelligent Innovation Laboratory ExcellentResearch Projects

●江苏金融监管局Jiangsu Branch of the NationalFinancial Regulatory Administration○数据治理EAST监管报送优秀组织单位Excellent Organization for EAST RegulatoryReporting in Data Governance

●江苏金融监管局Jiangsu Branch of the NationalFinancial Regulatory Administration○ISO27001管理体系认证ISO27001 Management System Certification

●CCRC（中国网络安全审查技术与认证中心）China Cybersecurity Review Technologyand Certification Center (CCRC)○CMMI3证书CMMI3 Certificate

●CMMI Institute○江苏省知识产权贯标认证Jiangsu Intellectual Property Implementing StandardCerti?cation

●国家知识产权局China National Intellectual PropertyAdministration

重要性议题分析江苏金租｜1312｜

2024年，江苏金租开展重要性议题调研与分析工作，更好促进利益相关方诉求与公司可持续发展有效融合。In 2024, JFL conducted material topic research and analysis to better integrate stakeholder demands withthe Company’s sustainable development.

重要性议题分析Analysis of material topics

结合国家战略及政策要求，对标《上海证券交易所上市公司自律监管指引第14号?可持续发展报告（试行）》、ESG国际规范（GRI Standards、联合国《可持续发展目标（SDGs）》等）、国际评级标准（明晟MSCI评级、标普CSA评级等）及有关倡议要求，综合行业特征、社会热点、公司发展战略、同业优秀实践等因素，识别相关议题，建立公司ESG重要性议题库。In alignment with national strategies and policies, and based on the No. 14 Guidelines for Self-regulationand Governance of Listed Companies on the Shanghai Stock Exchange - Sustainable Development Report(Trial), international ESG norms (GRI Standards, United Nations Sustainable Development Goals (SDGs),etc.), international rating standards (MSCI ratings, S&P CSA ratings, etc.) and related initiatives, and byconsidering industry characteristics, social hotspots, the Company’s development strategies, and excellentpractices from peers, relevant topics were identified to establish the Company’s ESG material topicdatabase.

基于公司ESG重要性议题库，通过利益相关方调研、人员访谈、专家研判、外部咨询等方式，评估议题重要性程度。Based on the ESG material topic database, the significance of each topic was assessed throughstakeholder surveys, interviews, expert evaluations, and external consultations.

报告Reporting

基于利益相关方对各议题的调研结果，将议题重要性进行排序，披露重要性议题的相关实践。Drawing on stakeholder survey findings regarding the topics, the topics were prioritized and relevantpractices on material topics were disclosed.

识别Identification

评估Evaluation

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，深入了解各方诉求、意见和建议，并根据各方关注重点选择关键议题和目标，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 variouschannels 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 andobjectives, ultimately fostering a harmonious and stable relationship with stakeholders.

政府及监管机构Government and regulatoryagencies

规范运营Standardized operation响应国家政策Response to national policies服务实体经济Serving the real economy金融风险防范Financial risk prevention反商业贿赂及反贪污Anti-commercial bribery andanti-corruption反洗钱Anti-money laundering

完善公司治理Enhance corporate governance主动依法纳税Proactively pay taxes according to laws服务“两新”政策Serve “Two New” policies践行普惠金融Practice inclusive finance践行绿色金融Practice green finance践行科技金融Practice fintech践行养老金融Practice elderly care finance强化内控合规Strengthen internal control compliance加强反腐败Strengthen anti-corruption加强反洗钱Strengthen anti-money laundering

利益相关方Stakeholder

关注议题Topic

公司回应方式Company’s response

利益相关方沟通Communication with stakeholders

重要性议题分析江苏金租｜1514｜

环境Environment

践行绿色金融Green finance practices

开展绿色融资Green financing

高效能源利用Ecient energy utilization

社会Social

响应国家政策服务实体经济Response to nationalpolicies, serving the realeconomy

金融科技Fintech

平等对待小微企业Equal treatment of smalland micro enterprises消费者权益保护Protection of consumers'rights and interests

股东投资回报Shareholder investmentreturns

伙伴合作共赢Partner cooperation forwin-win results员工Employees

慈善公益Charity and commonweal activities

可持续发展相关治理Governancerelated tosustainabledevelopment

利益相关方沟通Communication withstakeholders

ESG管理ESG management

规范运营Standardized operation金融风险防范Financial risk prevention

反洗钱Anti-money laundering

反商业贿赂及反贪污Anti-commercial briberyand anti-corruption

重要性议题Material topics

股东与投资者Shareholders and investors

规范运营Standardized operationESG管理ESG management金融风险防范Financial risk prevention业绩增长Performance growth投资回报Return on investment

完善公司治理Enhance corporate governance强化内控合规Strengthen internal control compliance完善ESG管理体系建设Improve the ESG management system构建全面风险管理体系Build a comprehensive risk managementsystem完善客户尽职调查Enhance client due diligence稳健经营Stabilize operation完善信息披露Improving information disclosure加强投关管理Strengthen investor relationsmanagement持续分红Continuously distribute dividends

客户及伙伴Clients and partners

诚信经营Operation in an honestmanner平等对待小微企业Equal treatment of small andmicro enterprises创新驱动Innovation-drivendevelopment消费者权益保护Protection of consumers' rightsand interests数据安全与客户隐私保护Data security and client privacyprotection合作共赢Win-win cooperation

完善公司治理Enhance corporate governance践行普惠金融Practice inclusive finance提升金融科技能力Enhance fintech capabilities加大产品创新Increase product innovation提升服务质量Improve service quality加强产融合作Strengthen industry-finance cooperation完善信息安全管理体系Improve the information securitymanagement system完善消费者权益保护体系Improve the system for the protection ofconsumers' rights and interests拓宽客户意见响应渠道Expand client feedback channels员工Employees

员工权益与福利Employee rights and benefits员工培训与发展Employee training anddevelopment职业健康安全Occupational health andsafety工作幸福感Sense of happiness duringwork

完善薪酬福利体系Enhance remuneration and benefitssystem健全员工培训体系Strengthen employee training system明确员工职业发展通道Specify employee career developmentchannels保障工会与职工代表大会良好运作Ensure eective operation of the LaborUnion and Congress of Workers and Sta开展员工关爱活动Conduct employee care activities丰富员工活动Enrich employee activities

社会及公众Society and the public

提供就业机会Provision of employmentopportunities环境保护Environment protection能源利用Energy utilization水资源利用Water resource utilization慈善公益Charity and commonwealactivities

完善招聘机制Improve recruitment mechanisms加大乡村振兴投入Increase rural revitalization investment参与慈善公益事业Participate in charity and commonwealactivities践行绿色金融Green finance practices开展绿色融资Carry out green financing坚持绿色运营Adhere to green operation鼓励绿色办公Encourage green oce使用清洁能源Use clean energy

Chapter I守正合规深化公司治理江苏金租｜1716｜

守正合规深化公司治理

Integrity & Compliance – DeepeningCorporate Governance

Chapter

Chapter I守正合规深化公司治理江苏金租｜1918｜

ESG管理ESG management

ESG管理理念ESG management philosophy

议题 / Topic

做一家有温度的金融租赁公司To be a warm and caring financial leasing company

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。Uphold the essence of finance, serve the real economy, and promote thesustainable development of companies and society.

完善法人治理结构，保障企业合规运营，实现高质量发展。Improve the corporate governance structure, ensure compliant operations,and achieve high-quality development.发展绿色租赁业务，推动环境友好型经济生态；践行绿色办公理念，贯彻绿色发展方针。Develop green leasing business, promote environmentally-friendlyeconomic ecology; practice green oce philosophy and implement greendevelopment guidelines.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。Pay attention to the interests and demands of shareholders, partners,customers, employees, and communities, contribute corporate strength,put people first and achieve win-win results.

社会责任Socialresponsibilities

治理责任Governanceresponsibilities

环境责任Environmentalresponsibilities

经济责任Economicresponsibilities

主旨Mission

ESG管理架构ESG management structure

江苏金租构建“决策层—管理层—执行层”三级ESG管理体系，将ESG管理提升到事关公司健康、可持续发展的高度，为ESG工作的全面推进提供组织保障和制度保障。JFL has established a three-level ESG management system involving the “decision-making level – managementlevel – execution level”, elevating ESG management to a level that directly impacts the Company’s health andsustainable development, and providing both organizational and institutional guarantees for the comprehensiveadvancement of ESG work.

决策层Decision-makinglevel管理层Management level

执行层Execution level

ESG管理体系ESG management system

负责审定公司ESG战略、愿景、目标等，并对其有效性负责；监督、检查、评估公司ESG工作实施情况。Responsible for reviewing and approving the Company’sESG strategies, visions, and objectives, and ensuring theireffectiveness; as well as for supervising, inspecting, andevaluating the implementation of the Company’s ESG work.

负责拟定公司ESG管理方针及策略，研究ESG市场趋势，识别与管理ESG相关风险，统筹管理ESG相关工作。Responsible for developing the Company’sESG management policies and strategies,researching ESG market trends, identifyingand managing ESG-related risks, andcoordinating ESG-related work.

战略委员会Strategy Committee董事会Board of Directors

各职能及业务部门、子公司Functional and business departments, and the Subsidiary负责具体落实ESG工作，推进ESG目标，定期更新ESG指标，完成ESG报告的信息采集、编制和披露工作，跟踪防范ESG风险。Responsible for the concrete implementation of ESG work,advancing ESG objectives, regularly updating ESG indicators,completing the information collection, compilation, and disclosureof ESG reports, and tracking and preventing ESG risks.

Chapter I守正合规深化公司治理江苏金租｜2120｜

01 完善ESG制度体系 Improvement of the ESG institutional system

2024年，公司修订《董事会议事规则》《独立董事工作制度》等基本制度，优化完善《消费者权益保护管理办法》《客户投诉处理管理办法》等管理细则，为公司ESG治理奠定制度基础。In 2024, the Company revised fundamental systems such as the “Rules of Procedure of the Boardof Directors” and “Working Rules of Independent Directors”, and optimized and improved detailedmanagement rules such as the “Management Measures for the Protection of Consumers' Rights andInterests” and “Management Measures for Client Complaint Handling”, thereby laying the institutionalfoundation for the Company’s ESG governance.

02 董事会2024年审议主要ESG事项 Major ESG matters reviewed by the Board of Directors in 2024公司董事会积极履行ESG相关事项的决策与监督职责，2024年审议通过了涵盖公司治理、风险管理、社会贡献及商业道德等关键领域的多项ESG议题。The Company’s Board of Directors actively fulfilled its decision-making and supervisory responsibilities regardingESG-related matters. In 2024, it reviewed multiple ESG topics covering key areas such as corporate governance, riskmanagement, social contribution, and business ethics.

ESG关键领域Key ESG areas

审议/听取内容Matters reviewed/heard公司治理Corporate governance

修订《董事会议事规则》、修订《独立董事工作制度》、修订《审计委员会工作规则》Revision of the “Rules of Procedure of the Board of Directors”, the “Working Rulesof Independent Directors”, and the “Working Rules of the Audit Committee”风险管理Risk management

全面风险管理报告、年度风险偏好、年度风险政策、预期信用损失模型全面验证报告、反洗钱工作报告Comprehensive risk management report, annual risk preference, annual riskpolicy, comprehensive validation report of the expected credit loss model, anti-money laundering report社会贡献Social contribution

2023年度环境、社会及治理（ESG）报告Environmental, Social and Governance (ESG) Report 2023

商业道德Business ethics

案件风险防控工作报告Work report on case risk prevention and control消费者权益Rights and interests ofcustomers

消费者权益保护工作报告Work report on the protection of consumers’ rights and interests

金融科技

Fintech

数据治理工作报告Work report on data governance

内控合规Internal control compliance

内控合规管理工作报告、内部控制审计报告Work report on internal control compliance management, internal control auditreport

03 完善ESG信息披露 Improvement of ESG information disclosure公开披露历年社会责任报告/ESG报告。The Company publicly disclosed past social responsibility reports/ESG reports.公司官网、公众号主动披露ESG履责动态，发布ESG相关案例，拓宽与利益相关方的沟通渠道。The Company proactively disclosed updates on ESG responsibility fulfillment and ESG-related cases on its ocial websiteand ocial account, and broadening communication channels with stakeholders.

ESG管理实践ESG management practices

江苏金租ESG管理相关制度JFL’s rules related toESG management

《员工行为管理办法》“Employee BehaviorManagement Measures”

《职工代表大会工作规则》“Working Rules of the Congress

of Workers and Sta”

《绿色租赁管理办法》“Green Leasing Management

Measures”

《数据安全管理规定》“Data Security Management

Regulations”

《信息安全行为规范》

“Code of Conduct for

Information Security”《厂商、经销商管理办法》“Vendor and DealerManagement Measures”

《员工补充商业医疗保险管理办法》“Management Measures forEmployee SupplementaryCommercial Medical Insurance”

《消费者权益保护管理办法》“Management Measures for theProtection of Consumers' Rights

and Interests”

《绿色债券募集资金管理办法》“Management Measures forRaised Funds from Green Bonds”

廉洁从业Incorruptibility in

practice

绿色金融Green finance

员工权益Employee rightsand interests

数据安全Data security

消费者保护Consumerprotection

厂商经销商管理Vendor and dealer

management

Chapter I守正合规深化公司治理江苏金租｜2322｜

持续推动学习转化Continuously translating learning into practice组织党建大会、党委书记讲党课，在改革精神指导下，进一步明晰工作思路，切实把二十届三中全会精神转化为推动公司高质量发展的实际行动。by organizing Party-building conferences and lectures delivered by the Party secretary. Guided by the reformprinciples and instructions, the Company has further clarified its work strategies and eectively transformed theprinciples and instructions of the 20th CPC Central Committee’s Third Plenary Session into concrete actions thatpropel high-quality development.

坚定落实国企改革Resolutely implementing state-owned enterprise reform实施对标世界一流企业价值创造行动，不断增强核心功能、扩大国际影响力；落实国有企业改革深化提升行动，重点提升企业价值创造能力、健全市场化经营机制。by launching a value-creation initiative benchmarked against world-class enterprises to continuously enhance corefunctions and expand international influence; and by executing measures to deepen and upgrade state-ownedenterprise reform, with a focus on boosting corporate value creation and perfecting a market-oriented operatingmechanism.

二十届三中全会精神学习大会Conference for studying the principles and instructions of the 20th CPC CentralCommittee’s Third Plenary Session

党委书记讲党课Party secretary delivering a lecture

01 把方向，推动公司高质量发展 Setting the direction for high-quality development

公司以党建凝聚合力、以融合促进发展，精准把握政策方向，确保公司合规运营、确保公司战略契合国家导向。The Company harnesses Party building to unify strength and leverages integration to drive development. Itprecisely aligns with policies, ensuring compliant operations and that its strategies are consistent with nationalpriorities.

党建引领，筑牢发展根基Party building: Laying a solid foundation fordevelopment

规范运营Standardized operation

议题 / Topic

不断提升学习实效Continuously enhancing learning eectiveness

读原著、学原文、悟原理，深入学习贯彻党的二十届三中全会精神，通过一系列形式多样的宣贯工作，进一步凝聚共识、坚定信心。by reading original works, studying primary texts, and grasping fundamental principles. The Company hasthoroughly studied and implemented the principles and instructions of the 20th CPC Central Committee’s ThirdPlenary Session and, through a variety of promotional initiatives, further consolidated consensus and bolsteredconfidence.

Chapter I守正合规深化公司治理江苏金租｜2524｜

深化“党建联盟”Deepening the “Party BuildingAlliance”

拓宽结对数量，扩大联盟成效。2024年，公司携手江西电建、哈尔滨交通、浙江新一海等8家伙伴，推进党建与业务发展纵深融合。by increasing the number ofpartnerships and enhancing thealliance’s effectiveness. In 2024, theCompany collaborated with eightpartners—including PowerChina JiangxiElectric Power Construction Co., Ltd.,Harbin Trac Group and Zhejiang XinYi Hai Shipping Co., Ltd.—to promote adeep integration of Party building andbusiness development.

充实人才队伍Strengthening the talent pool坚持党管人才原则。2024年，公司结合新一轮战略发展需要，及时调整组织架构、大力启用年轻业务骨干。通过竞聘双选机制，持续优化人才结构，锻造人才队伍。by adhering to the principle of Party-led talent management. In 2024, in linewith new strategic development needs,the Company promptly adjusted itsorganizational structure and activelypromoted young key business personnel.Through a competitive selection andmutual-choice mechanism, it continuouslyoptimized its talent structure anddeveloped its team.

强化科技赋能Enhancing technologicalempowerment2024年，公司推进智慧党建系统2.0迭代升级，强化组织建设，优化党员管理模块，以科技融合赋能党建工作。by advancing the upgrade of itsIntelligent Party Building System 2.0in 2024. The Company has bolsteredorganizational construction, optimizedthe Party member managementmodule, and leveraged technologyintegration to empower its Party-building eorts.

02 解难题，激发公司发展动能 Overcoming challenges and stimulating development momentum

党建联盟签约现场Signing ceremony of the Party Building Alliance

2024年中层管理人员竞聘现场2024 Mid-level manager recruitment event

智慧党建系统Intelligent Party Building System

打造融耀苏租Creating “Rongyao JFL”围绕奋斗实干、凝心聚力，公司建立“融耀苏租”评奖评优体系，年内推出《选择》《蓬勃生长》等优秀典型宣传。by focusing on diligence and unity. TheCompany established the “RongyaoJFL” awards and recognition systemand, over the course of the year,launched exemplary showcases suchas “Choice” and “Vigorous Growth.”

2024年融耀先锋评选2024 Rongyao Pioneer selection

《记录美好瞬间》文化宣传片The cultural promotional video“Recording Beautiful Moments”

《苏租新人文》20周年特刊20th-anniversary special issue of “JFL NewCulture”

加强正面引导Strengthening positive guidance开展文化建设系列评选，年内发布《书的告白》《记录美好瞬间》《看见》宣传片，激励全体员工投身公司事业。by conducting a series of culturalconstruction evaluations andreleasing promotional videos—“Book’sConfession,” “Recording BeautifulMoments,” and “Seeing”—throughoutthe year to inspire all employees tocommit to the Company’s mission.

营造良好氛围Cultivating a positive atmosphere2024年，公司发布内刊《苏租新人文》20周年特刊，通过苏租精神的传承、发扬、创新，讲好苏租故事，传递公司情怀。by publishing a 20th-anniversaryspecial issue of its internal journal “JFLNew Culture” in 2024. Through theinheritance, promotion, and innovationof the JFL spirit, the Company tells itsstories and conveys its core values.

03 聚人心，厚植干事创业氛围 Uniting as one and fostering an entrepreneurial spirit

Chapter I守正合规深化公司治理江苏金租｜2726｜

2024年，董事会通过现场及通讯方式召开了8次会议，审议并讨论了86项重大议题，涵盖公司战略规划、融资安排、担保事项、合规管理及薪酬考核等核心领域，董事会在关键决策中发挥主导作用。In 2024, the Board of Directors held 8 meetings—both in person and viatelecommunications—reviewing and discussing 86 major issues that spannedstrategic planning, financing arrangements, guarantee matters, compliancemanagement, and remuneration assessments, playing a decisive role in keydecisions.

董事会成员具备经济、金融、法律、产业、管理等多领域的专业背景。Board members bring professional expertise from diverse fields such as economics, finance, law, industry, and

management.

第四届董事会成员Members of the 4th Board of Directors

次

项

召开会议Convene a meeting审议讨论重大议题Deliberate and discuss majorissues

2024年，董事会In 2024, the Board of Directors

董事会掌舵，保障行稳致远Board of Directors at the helm:

Ensuring steady and sustainable progress

01 构建多元化、国际化的董事会结构 Establishing a diversified and international Board structure

名名名股东董事Shareholder Director

执行董事executive director

独立董事independent director

董事会成员Board members

名

02 强化董事会对重大事项的决策权Strengthening the decision-making authority of theBoard of Directors on major matters

含1名外籍董事one of whom is a foreign director

专门委员会由具备相关专业背景的董事组成，其中三个委员会由独立董事担任主任，且独立董事占多数。These committees are staed by directors with relevant expertise; three arechaired by independent directors, who form the majority.2024年，各专门委员会共召开15次会议，审议并讨论77项议题，为董事会提供了有力的决策支持。In 2024, these specialized committees convened a total of 15 meetings,reviewing and discussing 77 issues, and thereby provided robust decisionsupport for the Board of Directors.

次

项

召开会议Convene meetings

审议并讨论议题Deliberate and discuss topics

2024年，各专门委员会共In 2024, various specializedcommittees

03 发挥专门委员会的决策支持作用Leveraging the decision-support role of specialized committees

董事会Board of Directors General Meeting

战略委员会Strategy Committee

风险管理与消费者权益保护委员会Committee of RiskManagement andConsumer Rights &Interests Protection

提名与薪酬委员会Nomination andRemunerationCommittee

审计委员会Board of Auditors

关联交易控制委员会Related PartyTransaction ControlCommittee

Chapter I守正合规深化公司治理江苏金租｜2928｜

04 完善董事履职评价与保障机制 Enhancing the evaluation and safeguard mechanisms for directors’ performance

董事实地调研公司合作伙伴Directors conducting on-site research with the Company’s partner

董事履职评价Director performanceevaluation

董事责任险Directors’ liability

insurance

履职资源支持Performance resource

support

监事会每年度对董事履职进行评价，并提交股东大会。The Board of Supervisors evaluates directors annually and submits the findings tothe Shareholders’ General Meeting.

公司每年专门划拨专项经费，为全体董事购置履职责任保险，解除董事的后顾之忧。The Company allocates special funds each year to purchase liability insurance forall directors, alleviating concerns over potential liabilities.

在闭会期间，公司支持董事深入各部门调研、走访重点合作伙伴和客户，持续提升董事的履职能力和决策水平。During recess periods, the Company facilitates directors’ involvement in variousdepartments’ in-depth research of and visits to key partners and clients,continuously enhancing their decision-making capabilities.

内控合规，护航稳健运营Internal control compliance: Safeguarding steadyoperations

成效Achievements

建立了横向到边、纵向到底的内控合规管理体系Established a comprehensiveinternal control and compliancemanagement system that spansall levels and areas.

将合规基因注入发展决策、业务经营的全过程、全领域Integrated a compliance mindsetinto every stage and aspect ofdevelopment decision-makingand business operations.

实现了从“被动监管遵循”向“主动合规治理”的转变Achieved a transition from“passive regulatory adherence”to “proactive compliancegovernance.”

Chapter I守正合规深化公司治理江苏金租｜3130｜

第三道防线Third line of defense内部审计部门Internal Audit Department承担内控合规的监督责任，对经营管理的合规性进行审计，并与合规管理部门建立有效的信息交流机制。The department oversees internalcontrol compliance by auditingbusiness management complianceand establishing effectiveinformation exchange mechanismswith the Compliance Management

第二道防线Second line of defense合规管理部门Compliance ManagementDepartment承担内控合规的管理责任，组织、协调、推动各部门开展合规管理工作。The department manages internalcontrol compliance by organizing,coordinating, and promotinginternal control compliance acrossdepartments.Department.

公司建立了内控合规考核制度。将各部门合规管理质效纳入考核，并将合规管理情况纳入对各部门负责人的年度综合考核。The Company has established an internal control compliance evaluation systemthat incorporates the quality and effectiveness of departmental compliancemanagement into assessments and includes compliance performance in theannual comprehensive evaluations of department heads.

01 内控合规管理体系 Internal control and compliance management system公司按照“分级管理、逐级负责”的要求，不断完善内控合规管理架构，明确管理责任。In line with the principle of “hierarchical management and accountability at every level,” the Company continuouslyrefines its internal control and compliance framework, clarifying management responsibilities.

风险管理与消费者权益保护委员会会议现场Meeting of the Committee of Risk Management and Consumer Rights & Interests Protection

考核机制Evaluation mechanism

董事会、风险管理与消费者权益保护委员会The Board of Directors and theCommittee of Risk Managementand Consumer Rights & Interests

Protection

确定内控合规管理目标，对合规管理的有效性承担最终责任The Board of Directors and the Committee of RiskManagement and Consumer Rights & Interests Protectionset internal control compliance management objectivesand bear ultimate responsibility for compliancemanagement eectiveness.

落实合规管理目标，对业务合规性承担领导责任The management is responsible for implementingcompliance management objectives and bears leadershipresponsibility for business compliance.

02 内控合规三道防线 The three lines of defense in internal control compliance相关部门各司其职、协调配合，有机统筹，有效衔接，形成合规管理合力。Relevant departments perform their respective duties, coordinate e?ectively, integrate their e?orts, and work in seamlessconjunction to form a uni?ed compliance management force.

第一道防线First line of defense:

各业务及职能部门Business and functionaldepartments.承担内控合规的主体责任，负责本条线本领域合规规范的严格执行与有效落实，积极配合合规管理部门的工作。They bear primary responsibility forinternal control compliance by strictlyenforcing and e?ectively implementingcompliance regulations within theirscope, while actively cooperatingwith the compliance managementdepartment.

管理层The management

各部门负责人Department heads

落实本部门、本级机构的内控合规管理目标，对本部门、本级机构合规管理承担首要责任。Department heads are charged with executing internal controlcompliance management objectives within their departmentsand bear primary responsibility for compliance in theirdepartments.

全体员工All employees

遵守与履职行为有关的合规规范，积极识别、控制履职行为的合规风险，对履职行为的合规性承担责任。All employees must adhere to compliance regulations relatedto their duties, actively identify and control compliance risks,and be accountable for the compliance of their actions.

Chapter I守正合规深化公司治理江苏金租｜3332｜

合规宣传Compliance promotion2024年，公司常态化推出“图说合规”宣传活动，发布《图解做好金融五篇大文章》《服务经济社会高质量五促进五优化行动》《金融租赁行业三项展业清单》《图说合规<金融租赁公司管理办法（2024）>》等10期海报。In 2024, the Company regularly launched its “Illustrations of Compliance” campaign, releasing 10 sets of posters—including “Illustrated Guide to Five Major Financial Efforts,” “Five Promotion Actions and Five Optimization Actions forHigh-quality Economic and Social Development,” “Three Business Development Checklists for the Financial LeasingIndustry,” and “Illustrations of Compliance: Management Measures for Financial Leasing Companies (2024).”03 强化重点领域合规管理 Strengthening compliance management in key areas

04 内控合规文化建设 Building a culture of internal control compliance

图说合规?《金融租赁公司管理办法（2024）》Illustrations of Compliance — Management Measures forFinancial Leasing Companies (2024)

《金融租赁公司管理办法（2024）》专题培训Specialized training on “Measures for the Administrationof Financial Leasing Companies (2024)”

加强租赁物合规管控Improved compliancecontrol of leased

property

做实资金用途审查

Rigorous review offund usage

健全合作机构管理Strengthened partnermanagement

基于租赁物的风险特征采取一系列管控措施，明确租赁物所有权，健全租赁物价值评估机制，通过“智管万物”平台实现租赁物动态监控。The Company has implemented a series of measures tailored to the riskcharacteristics of leased property, clarified ownership of leased property,established a robust valuation mechanism, and dynamically monitoring leasedproperty via the “Smart IoT Manager” platform.

对客户的资金用途开展合规性审查，确保融资租赁资金用途合规合法。The Company has conducted compliance reviews of clients’ fund usage to ensurethat financial leasing funds are used lawfully and in accordance with regulations.

不断建强服务厂商经销商、管理厂商经销商的能力。2024年，修订《厂商经销商管理办法》，优化厂商经销商年度评级机制；上线厂商经销商管理系统，完善尽职调查、准入审核、租后回访等相关机制。The Company has continuously strengthened the capabilities of servicing andmanaging vendors and dealers. In 2024, the Company revised the “Vendor andDealer Management Measures” to optimize the annual rating mechanism forvendors and dealers, and launched a vendor and dealer management system toenhance due diligence, admission review, and post-lease follow-up procedures.

图说合规?金融租赁行业三项展业清单Illustrations of Compliance — Three Business DevelopmentChecklists for the Financial Leasing Industry

专题培训Specialized training公司将内控合规相关课程作为年度培训、新员工入职培训必修内容。2024年年内先后开展10余次专项培训，持续提升内控合规教育培训占比，内容覆盖监管政策解读、租赁物合规性等主题。The Company has made internal control compliance courses a mandatorypart of its annual and new employee training programs. In 2024, itconducted more than 10 specialized training sessions, continuouslyincreasing the proportion of internal control compliance education, withtopics covering regulatory policy interpretation and leased asset compliance,among others.

Chapter I守正合规深化公司治理江苏金租｜3534｜

公司根据《金融租赁公司管理办法》《银行业金融机构全面风险管理指引》等制度，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、及时应对及全程管控。Based on the “Management Measures for Financial Leasing Companies,” the “Comprehensive RiskManagement Guidelines for Banking Financial Institutions” and other regulations, focusing on corporatestrategy and business goals, the Company identifies, assesses, gives dynamic early warnings, responds to,and controls risks in business development and management activities

全面风险管理体系Comprehensive risk management system

基础层Basic layer

员工与企业文化Employees and corporate culture

信息系统支持Information system support执行层Executive layer

工具层Tool layer

核心层Core layer

纲领性文件Programmatic

documents

信用风险Credit risk

操作风险Operational

risk合规风险Compliancerisk市场风险Market risk流动性风险Liquidity risk

其他风险Other risks风险监测与报告Risk monitoring and reporting

流程授权Process authorization管理制度Management systems治理架构Governance structure

风险政策与偏好Risk policy and preference

金融风险防范

Financial risk prevention

议题 / Topic

公司构建了覆盖风险识别、评估、监测、报告与预警、控制与缓释全流程的数字风控体系。The Company has developed a digital risk control system covering the entire process of risk identification,assessment, monitoring, reporting and early warning, control, and mitigation.数字风控体系整合了内外部多源数据，完成3000+数标建设、以及60+自动决策模型、1200+风险预警规则、20+风险管理子模块的搭建，有效实现了风险管理闭环。The digital risk control system integrates multi-source internal and external data, has established over 3,000data indicators, built more than 60 automated decision-making models, implemented over 1,200 risk earlywarning rules, and developed more than 20 risk management sub-modules, thereby eectively achieving aclosed-loop risk management process.

数字风控建设Digital risk control construction

数标建设Numerical standardconstruction

风险预警规则Risk WarningRules3000

1200

+自动决策模型AutomaticDecision Model

风险管理子模块Risk managementsubmodule

管理原则Management principles

2024年，公司确定“风险为本，稳健审慎”的风险原则，更新风险政策和风险偏好。In 2024, the Company established the risk principle of “risk-based,stable and prudent” and updated its risk policies and risk preference.纲领性文件Guiding documents

匹配性 Matching

全覆盖Full coverage

独立性Independence

有效性Eectiveness

Chapter I守正合规深化公司治理江苏金租｜3736｜

风险文化建设Risk culture construction

数据驱动Data-drivendevelopment

风控中枢Risk control hub

上层应用Upper-levelapplications

风控模型Risk control models租前风控体系建设、租后风控体系建设Pre-leasing risk control system construction, post-leasing risk control

system construction赋能客户准入评级Empowering clienteligibility ratings客户评级Client ratings客户画像Client profiling厂商经销商评级Vendor and dealerratings

赋能租后风险管理Empowering post-leasing

risk management

GPS

烽火预警系统

Beacon early warning

system

智管万物

Smart IoT Manager

赋能租前风险决策Empowering pre-leasing

risk decision-making反洗钱审查Anti-money launderingreview身份核验Identity verification决策引擎Decision engine

数字风控体系建设Digital risk control system construction

汽车“管理驾驶舱”" Management Cockpit" for automotive business

租前风险决策系统Pre-leasing risk decision system

大数据能力建设（多维度）Big data capability development (multidimensional)工商数据Businessregistration data

司法数据judicial data

公安数据public securitydata

征信数据credit data

社交网络数据social networkdata

历史违约合作记录historical defaultand cooperationrecords

公司将风险管理融入日常运营，形成“全员风险管理、风险管理创造价值”的文化氛围。The Company has integrated risk management into its daily operations, creating a cultural environment of “allemployees manage risk, risk management creates value.”

公司与法巴租赁开展操作风险与内部控制交流The Company and BNP Paribas Leasing Solutions engage in discussions onoperational risk and internal control

新员工风险管理培训Risk management training for new employees

建立系统的培训体系，提升全员风险识别与应对能力，确保各层级员工理解并践行风险管理要求。Establishing a systematic training system to enhancethe risk identification and response capabilitiesof all employees, ensuring that employees at alllevels understand and adhere to risk managementrequirements.

构建激励约束机制，将风险管理与绩效挂钩，推动责任落实。Constructing an incentive and constraint mechanismto link risk management with performance, therebypromoting accountability.

倡导开放透明的沟通环境，鼓励员工主动报告风险隐患，形成风险共担的文化共识。Advocating an open and transparent communicationenvironment, encouraging employees to proactivelyreport risks and hidden hazards, and fostering a culturalconsensus on shared risk responsibility.

全员风险管理风险管理创造价值all employees managerisk, risk management

creates value

建立系统培训体系Establish a systematictraining system

构建激励约束机制Building incentive andconstraint mechanisms

倡导开放沟通环境Advocate for anopen communicationenvironment

Chapter I守正合规深化公司治理江苏金租｜3938｜

公司秉持“强监督、防风险、促发展”的工作理念，以“严管厚爱”为导向，紧扣保障公司健康发展、员工健康成长的“两个健康”目标，持续深耕“清风苏租”清廉金融文化，坚定不移一体推进不敢腐、不能腐、不想腐，为公司稳健经营与高质量发展筑牢坚实保障。The Company adheres to the work philosophy of “strong supervision, risk prevention, and developmentpromotion” and is guided by the principle of “strict management with care.” It is committed to achievingthe dual objectives of healthy corporate development and robust employee growth, continuouslycultivating the “Incorruptible JFL” clean financial culture, and unswervingly advancing an integratedapproach of “dare not be corrupt, cannot be corrupt, and do not want to be corrupt” to secure a solidfoundation for stable operations and high-quality development.

次开展员工家访Conducted employee home visits

次组织公司层面专项廉洁警示教育Organized Company-level specialanti-corruption warning education

sessions

+次实施廉洁从业提示提醒Implemented over reminders tomaintain incorruptible practice

人次完成岗位轮换工作Completed instances of job rotation

个人重大事项申报覆盖率Achieved coverage in thedeclaration of significant personal

matters

反商业贿赂及反贪污

Anti-commercial bribery andanti-corruption

议题 / Topic

2024年度数据Annual data for 2024

公司构建了反腐败“三道防线”，不断深化“三联”工作机制，汇聚监督合力，精准查摆制度建设薄弱点，建立健全廉洁风险防控长效机制。The Company has developed a “three lines of defense” system for anti-corruption and continuously deepens its“three-link” mechanism, consolidating supervisory eorts to accurately identify weaknesses in its systems andestablish a robust, long-term framework for preventing and controlling integrity risks.

完善反腐败机制Enhancing the anti-corruption mechanism

三道防线Three lines of defense业务部门，中后台职能部门，纪审联动。公司打造了贯穿公司前中后台的风险防线，明确各层级风险防范职责，压实各防线主体责任。Business departments, middle and back office functionaldepartments, and the coordinated efforts between disciplinaryinspection and supervision. The Company has built acomprehensive risk defense spanning its front, middle, and backoces, clearly delineating risk prevention responsibilities at everylevel and reinforcing accountability across all layers.

“三联”机制“Three-link” mechanism围绕“会议联席、信息联通、监督联动”凝聚监督力量，推动各部门切实履行反腐倡廉管理责任。Centered on joint meetings, seamless information sharing, andcoordinated supervision, this mechanism consolidates supervisoryforces and compels all departments to eectively fulfill their anti-corruption and integrity management responsibilities.

公司围绕廉洁从业要求，通过深度剖析业务流程，精准定位潜在风险点，确保制度切实可行、行之有效。2024年，公司修订《员工家访实施细则》，进一步了解掌握员工八小时外思想动态，强化员工行为管理。Based on the requirements on incorruptible practice, the Company rigorously analyzes its business processes topinpoint potential risk areas, ensures that its regulations are both practical and eective. In 2024, it revised the“Detailed Implementing Rules of Employee Home Visits” to better understand and monitor employees’ o-dutyattitudes and to strengthen behavioral management.

制度规范Regulatory systems

会议联席joint meetings

信息联通seamlessinformationsharing监督联动coordinatedsupervision

“三联”机制“Three-link”mechanism

业务部门Business departments中后台职能部门middle and back ocefunctional departments

纪审联动coordinated eorts betweendisciplinary inspection andsupervision

Chapter I守正合规深化公司治理江苏金租｜4140｜

聚焦重点领域、关键环节与重要岗位，深入开展员工行为监督管理。公司要求员工如实申报个人情况，密切关注民间借贷、非法集资等问题，加强对员工“八小时外”生活圈的关注。定期发放《家庭助廉倡议书》，发动家属参与员工廉洁自律监督，构建全方位监督网络。Targeting key areas, critical processes, and vital positions, the Company rigorously monitors and managesemployee conduct. Employees are required to provide honest personal declarations, with special attentiongiven to issues such as private lending and illegal fundraising. Additionally, the Company regularly distributesa “Incorruptibility Proposal for Family Members” to involve family members in supervising employee integrity,thereby establishing a comprehensive supervisory network.

公司持续完善覆盖“公司-支部-部门”三个层面、“全员-党员-中高层-业务人员-新员工”五个维度的员工廉洁警示教育体系，推动廉洁警示教育入脑入心。The Company has continuously refined an integrity education framework that spans three organizationallevels—Company, Party branch, and department—and targets five dimensions: all employees, Party members,mid-to-senior management, business personnel, and new hires. This ensures that the message of integrity isdeeply internalized.

充分发挥文化引领作用，营造“亲清”关系的廉洁氛围，引导员工深刻领会“严管就是厚爱”“信任不能代替监督”“监督就是最好的保护”等辩证思想内涵。By fully harnessing the influence of corporate culture, the Company fosters an environment of clean andamicable relationships. It guides employees to deeply appreciate the principles behind phrases such as “strictmanagement is a form of care,” “trust cannot replace supervision,” and “supervision is the best protection.”

以警示教育大会为契机，强化员工廉洁意识。公司定期召开警示教育大会，采用“线下+线上”相结合的方式，确保覆盖全体员工。有效传达党风廉政建设及反腐败斗争要求，深入分析反腐形势，学习典型警示案例，告诫全体员工算好“人生几本账”，促使员工知敬畏、存戒惧、守底线。Leveraging warning education conferences to reinforceincorruptibility awareness, the Company regularly convenessuch sessions using both in-person and online formats to ensurefull coverage. These conferences effectively communicate therequirements for construction of the Party conduct and of anhonest and clean government as well as anti-corruption; they oerin-depth analyses of anti-corruption trends and review illustrativewarning cases, urging employees to reflect on their personalaccountability and encouraging them to maintain respect, caution,and clear ethical boundaries

强化关键领域日常监督Strengthening daily supervision in key areas

推进“清廉金融”文化建设Advancing the “Clean Finance” culture

警示教育大会Warning education conference

《家庭助廉倡议书》“Incorruptibility Proposal for Family Members”

异地团队专项廉洁警示教育会议Special incorruptibility warning education meeting for remote teams

新员工《系好廉洁从业“第一粒”扣子》专题培训Special training for new employees: “Securing the First Button of IncorruptiblePractice”

廉洁从业培训海报Incorruptible practice training poster

01 建立“3+5”廉洁警示教育体系Establishing a "3+5" incorruptibility warning education system

02 打造“清风苏租”廉政品牌Building the incorruptible brand"Incorruptible JFL"

Chapter I守正合规深化公司治理江苏金租｜4342｜

公司根据新《反洗钱法》《金融机构反洗钱规定》《法人金融机构洗钱和恐怖融资风险管理指引（试行）》《金融机构反洗钱和反恐怖融资监督管理办法》等法律法规，搭建了反洗钱法人治理架构，建立健全反洗钱管理制度体系。In accordance with the new “Anti-money Laundering Law,” “Provisions on Anti-Money Laundering of FinancialInstitutions,” “Guidelines for Money Laundering and Terrorist Financing Risk Management for Corporate FinancialInstitutions (Trial),” and the “Supervision and Administration Measures for Anti-money Laundering and Anti-terrorist Financing for Financial Institutions,” the Company has established a corporate governance frameworkfor anti-money laundering and developed a comprehensive management system.

稳步推进反洗钱管理体系建设Steadily advancing the anti-money launderingmanagement system construction

01 完善反洗钱管理体系

Improving the anti-money laundering management system

反洗钱Anti-money laundering

议题 / Topic

反洗钱治理架构Anti-money laundering governance framework

监事会Board ofSupervisors

董事会Board ofDirectors

风险管理委员会Risk ManagementCommittee高级管理层Senior management

team

反洗钱工作小组Anti-moneyLaunderingWorking Group

承担反洗钱管理监督责任Assumes the supervisoryresponsibility for anti-moneylaundering management负责督查董事会与高管层履职情况并督促整改，并提出建议和意见Oversees the performanceof the Board of Directors andsenior management andurges corrective actions, andprovides suggestions andopinions

承担反洗钱管理最终责任

Assumes the ultimate responsibility for anti-money

laundering management

履行反洗钱管理部分责任Assumes partial responsibility for anti-moneylaundering management在董事会的指导和监事会的监督下，负责领导开展反洗钱管理工作Leads the anti-money laundering management under the guidance of theBoard of Directors and the supervision of the Board of Supervisors

领导、管理和监督公司反洗钱工作，向董事会报告洗钱风险管理情况Leads, manages, and supervises the Company’s anti-moneylaundering work, reporting money laundering risk managementstatus to the Board研究、制订公司反洗钱内控管理办法及相关管理办法Studies and formulates the Company’s anti-money launderinginternal control management measures and related managementprocedures研究、制订公司的反洗钱规划、政策及工作计划Studies and formulates the Company’s anti-money launderingplanning, policies, and work plans审核、批准可疑交易报告Reviews and approves suspicious transaction reports指导开展洗钱风险自评估工作Guides the conduct of money laundering risk self-assessments对违反反洗钱工作有关规定的行为提出处理建议Provides recommendations on handling behaviors that violate anti-money laundering regulations对反洗钱重大疑难问题，提出解决方案和对策Proposes solutions and countermeasures for major and dicult anti-money laundering issues由工作领导小组履行的其他职责Performs other duties as assigned by the working leadership group

全体员工All employees

其它职能部门Other functionaldepartments

风险管理部门Risk ManagementDepartment

法律事务部门Legal AairsDepartment

内部审计部门Internal AuditDepartment

纪检监察部门DisciplineInspection andSupervisionDepartment第二道防线Second line ofdefense

第三道防线Third line ofdefense

业务部门Businessdepartment

第一道防线First line ofdefense

Chapter I守正合规深化公司治理江苏金租｜4544｜

基本制度Basic rules

《反洗钱和反恐怖融资管理办法》“Anti-money Laundering and Anti-terrorist Financing Management Measures”

业务管理制度Business management rules

《客户身份识别管理办法》《客户身份资料与交易记录保存管理办法》《客户洗钱与恐怖融资风险等级划分管理办法》“Client Identification Management Measures,” “Management Measures for ClientIdentity Data and Transaction Record Retention,” “Management Measures for ClientMoney Laundering and Terrorist Financing Risk Ratings”

日常管理制度Daily management rules《洗钱风险自评估操作指引》《冻结涉及恐怖活动资产的内部管理办法》《合规风险应急预案》《信息安全管理办法》“Operational Guidelines for Money Laundering Risk Self-Assessment,” “InternalManagement Measures for Freezing Assets Involved in Terrorist Activities,” “EmergencyPlan for Compliance Risks,” “Information Security Management Measures”

反洗钱制度体系Anti-money launderinginstitutional system

目标Objectives建立以风险为本的反洗钱管理运行架构Establish a risk-based anti-money laundering management operational framework

Consolidate the foundation for high-quality development

Comply with regulatory requirements

厚植反洗钱和反恐怖融资文化Deeply cultivate a culture of anti-money laundering and counter-terrorist ?nancing

客户尽职调查Client duediligence

交易记录保存Transaction

recordretention

黑名单监控Blacklistmonitoring

洗钱风险评估Moneylaundering riskassessment

交易监测和报告Transactionmonitoring andreporting

反洗钱管理体系Anti-moneylaunderingmanagementsystem

管理方法Managementmethods

管理措施Management

measures

反洗钱组织体系Anti money launderingorganizational system

反洗钱制度体系Anti-money launderinginstitutional system

反洗钱岗责体系Anti-money laundering role andresponsibility system

反洗钱保障体系Anti-money launderingassurance system客户管理Customermanagement制度管理Systemmanagement

绩效考核Performanceevaluation

问责惩戒Accountabilityanddisciplinaryactions

宣传培训Publicity andtraining

系统支撑Systemsupport

区域管理Regionalmanagement

行业管理Industrymanagement

交易管理Transactionmanagement

公司坚持以客户为中心，积极研究和探索反洗钱管理方法和措施，为保障社会安全稳定贡献苏租力量。The Company adheres to a client-centric approach, actively researching and exploring management methods andmeasures for anti-money laundering, thereby contributing its eorts to safeguard social stability and security.

02 搭建反洗钱管理架构Establishing the anti-money laundering management framework

Chapter I守正合规深化公司治理江苏金租｜4746｜

公司坚持科技赋能，引入外部专业数据库，不断完善相关模型建设，持续提高系统的自动化程度，促进风险监测智能化。The Company adheres to technology empowerment, introduces external professional databases, continuously refinesrelated model development, steadily enhances system automation, and promotes intelligent risk monitoring.

03 开展反洗钱系统建设

Developing the anti-money laundering system

No.1

获得ISO质量认证证书（TUV）的反洗钱数据供应商The first anti-money laundering data provider to obtain ISOquality certification (TUV)

信息来源语言Languages sourced

种

7X24h持续收集相关信息数据Data collection

人

研究员

Researchers

个

数据研究中心

Data research centers

个

+数据覆盖国家及地区Data coverage spans morethan countries and regions

万笔

+个人及实体数据Personal and Entity Data

35,000

+源语种的数据信息来源Original language sources

个

反洗钱合规数据库Anti-money laundering compliance database公司合作的反洗钱合规数据库权威、可靠：专业数据研究团队持续监控全球250多个司法管辖区的35,000多个媒体来源，包括政务网站、公司记录和法律程序。The anti-money laundering compliance database that the Company collaborates with is authoritative and reliable, witha professional research teams continuously monitoring over 35,000 media sources across more than 250 jurisdictions,including government a?airs websites, corporate records, and legal proceedings.反洗钱系统Anti-money laundering system

系统建设system construction

客户风险评级client risk rating

交易监测与分析transactionmonitoring andanalysis

可疑活动报告suspicious activity

reporting

NLP关联图谱NLP relationship

mapping

调查与案件管理investigation

and casemanagement

模型管理与合规适应性model management

and compliance

adaptation

数据治理与审计追踪data governance and

audit tracing

客户身份识别Client identification

Chapter I守正合规深化公司治理江苏金租｜4948｜

公司不断推动客户尽职调查标准化、规范化、智能化建设，做实受益所有人精准识别，完成客户风险等级划分，细化不同类型客户、不同业务场景尽职调查标准和内容。The Company continuously promotes thestandardization, regularization, and intelligentdevelopment of client due diligence, accuratelyidentifies beneficial owners, completes client riskgrading, and refines due diligence standards fordifferent types of clients and various businessscenarios.

01 落实客户尽职调查要求Implementing client duediligence requirements

梳理反洗钱和反恐怖融资的监管体系、最新监管重点领域以及内部管控体系，形成18张宣传海报，在公司一楼大厅显著位置宣传展示。The Company reviewed the regulatory framework for anti-moneylaundering and counter-terrorist financing, identified the latest keyregulatory focus areas, and created 18 promotional posters that areprominently displayed in the Company’s lobby.

01 构建反洗钱长效化宣传机制Establishing a long-term anti-money launderingpublicity mechanism

持续通过季度反洗钱工作例会向各部门传达最新监管政策，培训监管文件精神，阶段性回顾工作计划，跟踪反洗钱工作落实情况。Quarterly sessions are held to communicate the latest regulatorypolicies to all departments, train staff on regulatory requirements,periodically review work plans, and monitor the implementation ofanti-money laundering work.

02 发挥反洗钱工作例会效用Leveraging regular anti-money launderingmeetings

2024年，公司邀请外部专家开展《当前反洗钱犯罪形势和监管新规》培训，解读金融机构面临的主要洗钱威胁及最新监管动态，提升公司在复杂监管环境下识别和应对洗钱风险的能力。In 2024, the Company invited external experts to conduct trainingon “The Current Landscape of Money Laundering Crime and NewRegulatory Provisions,” which clarified the primary money launderingthreats faced by financial institutions and the latest regulatory trends,thereby enhancing the Company’s ability to identify and addressmoney laundering risks in a complex environment.

03 利用外部专业资源Utilizing external professional resources公司在反洗钱系统部署可疑交易监测预警模块，建立预警触发处置机制。全年未发现可疑交易。The Company has deployed a suspicious transactionmonitoring and early warning module within its anti-money laundering system and established a triggerresponse mechanism. No suspicious transactionswere identified throughout the year.

03 监测报告大额交易和可疑交易Monitoring and reporting ofhigh-value transactions andsuspicious transactions

公司持续做好租前信息搜集、租中审核增补、租后材料保存，并按照10年期限的保存要求妥善存档。The Company continuously collects pre-leasinginformation, supplements and reviews data duringthe lease, and preserves post-lease materials, all ofwhich are properly archived in accordance with the10-year retention requirements.

02 保存客户资料和交易记录Retaining client information andtransaction records

反洗钱系统接入内部核心业务系统与外部权威洗钱名单，杜绝向反洗钱名单内客户提供租赁服务。全年未发现客户涉及洗钱风险负面清单情况。The anti-money laundering system is integratedwith both internal core business systemsand external authoritative money launderingwatchlists, thereby ensuring that leasing servicesare not provided to clients on these lists. No suchcases were identified during the year.

04 监控反洗钱负面名单Monitoring the anti-moneylaundering negative list

2024年内，公司通过内部报告、外部交流、宣传教育等多元途径，持续推进反洗钱常态化、长效化宣传，厚植员工反洗钱合规意识。In 2024, through internal reports, external exchanges, and educational campaigns, the Company continuouslypromoted regular and long-term anti-money laundering education to deeply embed compliance among itsemployees.

反洗钱工作例会现场Scene from an anti-money laundering meeting

外部专家反洗钱培训会议现场Figure: Scene from an external expert anti-moneylaundering training session

扎实履行反洗钱义务Diligently fulfilling anti-money launderingobligations

强化反洗钱宣传培训力度Enhancing anti-money laundering awareness andtraining

Chapter II 主动作为服务新质生产力江苏金租｜5150｜

主动作为服务新质生产力

Proactive Actions - Supportingthe Development of New-qualityProductivity

Chapter

Chapter II 主动作为服务新质生产力江苏金租｜5352｜

加快产品更新换代是推动高质量发展的重要举措，要鼓励引导新一轮大规模设备更新和消费品以旧换新。Accelerating product upgrades is an important measure to drive high-quality development. We mustencourage and guide a new round of large-scale equipment upgrades and consumer goods trade-in

2024年2月，习近平总书记在中央财经委员会第四次会议上强调In February 2024, General Secretary Xi Jinping noted at the Fourth Plenary Sessionof the Central Financial and Economic A?airs Commission

推动大规模设备更新和消费品以旧换新是加快构建新发展格局、推动高质量发展的重要举措，将有力促进投资和消费，既利当前、更利长远。“Promoting large-scale equipment upgrades and consumer goods trade-in is an important measureto accelerate the construction of a new development pattern and drive high-quality development. Itwill eectively stimulate investment and consumption, bring both the current and long-term benefits.

《推动大规模设备更新和消费品以旧换新行动方案》（国发〔2024〕7号）

From the "Action Plan for Promoting Large-Scale Equipment Upgrades andConsumer Goods Trade-in" (G.F. [2024] No. 7)

“

”

响应国家政策服务实体经济Response to national policies,serving the real

议题 / Topic

服务设备更新的能力支撑Capability support for serving equipment upgrades

坚持“选择一个行业、深耕一个行业、坚守一个行业”的服务理念。Adhering to the service philosophy of "focus on and remain committed to one industry after choosing it"深耕细分领域，业务覆盖10大板块100多个细分市场。With reach into niche segments, the business spans 100 sub-sectors in 10 major sectors.坚守市场一线，即使在行业低谷期，仍然与客户保持联系，跟踪行业动态、关注客户需求。在陪伴中逐渐累积信任。By staying at the forefront of the market, the Company maintains close contact with clients even duringdownturns, continuously tracking industry trends and client needs to gradually build trust through ongoingengagement.

01 精专行业，培育了服务设备更新的专业能力Specialized industry: Cultivating professional capability in serving equipmentupgrades

服务理念Servicephilosophy

坚守一个行业Adhere to an industry

选择一个行业Choose an industry

深耕一个行业Deeply cultivate an industry

Chapter II 主动作为服务新质生产力江苏金租｜5554｜

无论是大型企业还是中小微客户Whether for large enterprises or small

and micro businesses

无论是对新设备采购的资金支持还是旧设备升级的融资方案Whether for funding new equipmentpurchases or financing the upgrade of

existing equipment

无论是大单项目的大额融资需求

还是零售业务的小额资金周转Whether addressing large-scalefinancing needs for major projects orsmall-scale working capital for retail

operations

无论是境内还是境外的资金需求Whether for domestic or overseas

funding demands

通过精专行业，公司推出了丰富多样的金融产品，全面覆盖各类客户需求：

Through its specialized approach, the Company has introduced a wide range offinancial products that comprehensively address various client needs:

（ 2 ）服务产品多Diverse services and products

通过精专行业，公司培育了一大批合作10-20年的忠实客户和厂商伙伴。Through its specialized approach, the Company has cultivated a large base of loyalclients and vendor partners with relationships lasting 10–20 years.

工业装备、医疗器械市场Industrial equipment and

medical device markets

years

工程机械市场Construction machinery

market

years

农业机械、清洁能源、

信息科技等市场Agricultural machinery,clean energy, information

technology, and other

markets

years

大健康产业20周年论坛20th Anniversary Forum of the HolisticHealthcare Industry

与北京瑞禾印刷合作超20年Over 20 years of cooperation withBeijing Rehe Print

工程机械（达丰设备）最早合同（2009）Earliest contract in constructionmachinery (Tat Hong Equipment) (2009)

江苏金租-汽车金融产业论坛JFL – Automotive Finance Industry Forum

（ 1 ）服务时间长Long service duration

公司金融产品矩阵JFL’s financial product matrix

服务产品多Diverse services andproducts

宠易租Pet Medical Equipment Leasing

牙易租Dental Equipment Leasing

中重卡Medium-duty and heavy-

duty trucks

环卫友e租Sanitation Equipmente-Leasing

环e租Environmental ProtectionEquipment e-Leasing

闪光租PV Equipment Leasing

快印通Fast Printing

50专案、100专案、200专案50 Program, 100 Program, 200

Program

影易租Cinema Equipment

Leasing

农易租Agricultural Equipment

Leasing

惠友计划Huiyou Plan

工易租Engineering Equipment

Leasing

微易租-BWeiyizu-B

微易租-AWeiyizu-A

清洁能源Clean energy

工业装备Industrialequipment

农业装备Agriculturalequipment

科学技术Science andtechnology

交通运输Transportation

节能环保Energy conservation andenvironmental protection

医疗健康Medicalhealth

工程装备Engineeringequipment

江苏金租Chapter II 主动作为服务新质生产力｜5756｜

通过“厂商+区域+科技”三线并进，公司积累了海量客户资源和合作伙伴，分布在多地区、多领域。By simultaneously pursuing a “vendor + region + technology” strategy, the Company has amassed extensive clientresources and partners across various regions and fields.

02 三线并进，建立了服务设备更新的有效渠道

Advancing on three fronts to establish eective channels for serving equipmentupgrades

服务客户clients in total

合作厂商vendors and dealers

≈6,000

万

个

家

分布国家Distributed continents

合作厂商（部分）cooperating vendors (partial)

累计服务超30万客户Served over 300,000 clients in total

合作近6000家，合作厂商涵盖众多国际500强企业及国内行业龙头企业。Nearly cooperating 6,000 vendors and dealers,including numerous Fortune 500 companies andleading domestic enterprises

分布于3大洲13个国家Distributed across 13 countries on 3 continents

客户Clients

厂商经销商Vendors anddealers

区域Area

40.88%

30岁及以下30 and below

1.75%

51岁及以上51 and above

57.37%

31岁至50岁31 to 50

32.38

平均年龄Average age is平均从业年限Average years of experience

≈

years

teams业务团队Business teams资质证书Qualification certificates

经济师economist

会计师accountant工程师engineer

律师lawyer政工师political counselor

…

通过精专行业，公司培育了一支理解行业规律、熟悉设备特性的员工队伍，更好服务客户。“一讲就明、一点就通、一聊就懂”Through its specialized approach, the Company has built a team of professionals who are well-versed in industry trendsand equipment specifics, enabling them to serve clients more eectively. Our communication is so clear that a singleexplanation brings instant understanding, one key point immediately resonates, and a brief discussion suffices forcomplete clarity.

（ 3 ）服务人才专

Specialized talents for services

35.61%

本科Bachelor's

0.18%

大专及以下Junior collegeand below

0.53%

博士Doctorate

63.68%

硕士Master's

学历 / Education年龄 / Age

Chapter II 主动作为服务新质生产力江苏金租｜5958｜

交通运输

清洁能源

高端装备

以“场景化金融”方式融入设备销售环节。Integrating financing into the equipment sales process through “scenario-basedfinance.”厂商的设备销售到哪里，公司的金融租赁服务就跟进到哪里。Wherever a vendor sells equipment, the Company’s financial leasing servicesfollow.连接厂商经销商与终端客户，直达客户。By connecting vendors and dealers with end customers, products reach customersdirectly.

在区域小微聚集区、厂商销售密集区，部署业务团队，自主培育和储备客户资源。Deploying business teams in regions with concentrated small and microenterprises and high vendor sales density to independently cultivate and secureclient resources.与地方产业深度融合，第一时间服务地方小微企业。Deeply integrating with local industries to promptly serve local small and microenterprises.

“设备云集，轻松租赁”?与小森印刷、中联环境、捷尔杰、美亚光电等多家优质设备厂商合作打造“乐租商城”线上租赁平台。整合厂商优质设备资源，为客户提供一站式租赁解决方案。“Equipment Convergence, EffortlessLeasing” — In collaboration with high-quality equipment manufacturers suchas KOMORI, Zoomlion Environmental,JLG, and Meyer, we have developed the“Leasing Mall” online leasing platform.By integrating top-tier vendor equipmentresources, we provide clients with one-stop leasing solutions.打破传统业务地域限制，实现设备租赁业务的线上化、智能化运营。This platform overcomes thegeographical limitations of traditionaloperations, enabling online andintelligent equipment leasing.

厂商租赁，高效服务Vendor leasing fore?cient services

区域直租，深入支持Regional direct leasingfor in-depth support

线上平台，广泛助力

Online platform for

extensive assistance

公司积极发挥金融租赁“设备融资”专业功能，聚焦大规模设备更新需求，目前已形成了高端装备、清洁能源、交通运输三大百亿级板块领跑和100多个细分行业协同的“3+N”业务格局，年内支持20万多台套设备更新。The Company actively leverages its expertise in equipment financing to meet large-scale equipment upgradedemands. It has established a “3+N” business model—comprising three major sectors (high-end equipment,clean energy, and transportation), each with over 10-billion scale, alongside more than 100 collaborative nicheindustries. This model supported the upgrade of over 200,000 pieces of equipment throughout the year.

服务设备更新的具体领域Speci?c areas of serving equipment upgrades

详见“环境保护”相关篇章See the “Environmental Protection” section for details

01 服务绿色设备更新，共筑绿色未来Serving green equipment upgrades for building a green future together

Chapter II 主动作为服务新质生产力江苏金租｜6160｜

支持大国重器“国船国造”和江苏造船业加速发展，与江苏新时代、江南造船、扬州大洋等多家造船厂合作。Collaborating with shipyards such as New Times Shipbuilding, Jiangnan Shipbuilding, andYangzhou Dayang, the Company supports the “domestic manufacturing of vessels” initiative andthe accelerated development of Jiangsu’s shipbuilding industry.遍布中国香港及新加坡、荷兰、挪威、土耳其等二十多个国家和地区，累计投放船舶160多艘，船舶总运力达500万吨。Operating in more than 20 countries and regions—including Hong Kong, Singapore, theNetherlands, Norway, and Turkey—the Company has deployed over 160 vessels, with a totalshipping capacity of 5 million tons.

覆盖散货船、集装箱船、油气和化学品船、海工船等各类船型。Covering bulk carriers, container ships, oil, gas and chemical carriers, oshore vessels, and more.

公司支持“国船国造、走向深蓝”获得中央电视台英语频道报道。The Company’s support for “domestic manufacturing of seagoing vessels”received coverage on the CCTV English channel.与欧洲Yildirim集团合作的船舶租赁项目获国际权威海事金融杂志《MarineMoney》颁发的“年度租赁交易大奖”（The Leasing Deal of the Year）。A ship leasing project in collaboration with Europe’s Yildirim Groupreceived the “Leasing Deal of the Year” award from the internationallyauthoritative maritime finance magazine Marine Money.

外部认可Externalrecognition

客户Clients

船型Vessel types

合作伙伴Partners

02 服务交通运输，做好保通保畅Serving transportation for ensuring smooth anduninterrupted operations

持续加强知名车企厂商的业务对接，搭建直销网络，服务终端客户。Continuously strengthening engagement with renowned automobile manufacturers, establishingdirect sales networks, and serving end customers.

服务全国20多个城市的140家网约车公司及个体运营户，全年累计投放金额4亿元。Serving 140 ride-hailing companies and individual operators in over 20 cities nationwide, with atotal deployment amount of 400 million RMB.租赁行业渗透率排名第一，加大与头部环卫车厂商合作力度，扩大厂商驱动型的区域服务团队规模。年内支持近5000家客户更新清扫、喷洒、垃圾等环卫车辆，年内投放金额16亿元。With the highest penetration rate in the leasing industry, the Company has intensified cooperationwith leading sanitation vehicle vendors and expanded vendor-driven regional service teams.Theamount invested within the year is 1.6 billion RMB.深耕货运物流、冷链运输、石化运载等领域，加深专用车头部厂商合作，全年支持千余家客户购置搅拌车、冷藏车、清障车、压裂车等各类专用车辆，解决相关企业3亿元资金需求。With a deep focus on freight logistics, cold chain transportation, and petrochemical transport, theCompany has enhanced collaboration with leading specialty vehicle vendors, supporting over1,000 clients in acquiring a range of specialty vehicles, including mixer trucks, refrigerated trucks,recovery trucks, and fracturing trucks.We met the funding requirements of relevant enterprises,which amounted to 300 million RMB.

乘用车及商用车Passenger vehiclesand commercialvehicles

网约车Ride-hailingvehicles

环卫车Sanitation

vehicles

专用车Specialtyvehicles

（ 2）在汽车市场，建立乘用车、网约车、环卫车、专用车等多元板块。2024年，公司支持车辆采购6万余辆，投放近110亿元。In the automotive market, the Company has established diversified segments includingpassenger vehicles, ride-hailing vehicles, sanitation vehicles, and specialty vehicles.In 2024, the Company supported the procurement of over 60,000 vehicles, with aninvestment of nearly 11 billion RMB.

（1 ）在船舶市场，助力国产船舶走向全球。In the maritime sector, the Company assists domestic vessels in entering globalmarkets.

Chapter II 主动作为服务新质生产力江苏金租｜6362｜

保障市政环卫有效运转Ensuring eective municipal sanitation operationsG环境服务有限公司是浙江省环卫行业龙头企业，在服务某市环卫车更新项目中，因考核期与服务费支付账期较长，流动资金承受较大压力。江苏金租深入了解企业前期设备采购情况及运营情况，为企业量身定制了金融租赁解决方案，提供了550万元融资支持，保障企业正常运营，支持项目有序开展。G Environmental Services Co., Ltd., a leading enterprise in Zhejiang’s sanitationindustry, faced substantial working capital pressures in a municipal sanitationvehicle upgrade project due to prolonged assessment and service fee paymentcycles. JFL conducted a thorough review of the Company’s previous equipmentprocurement and operational status and tailored a financial leasing solution,providing financing support of 5.5 million RMB to ensure smooth operations andfacilitate the project's orderly progression.

支持绿色重卡换新Supporting the replacement of green heavy-duty trucks在“双碳”目标背景下，H煤气有限公司在江苏金租的金融支持下，采购20台电动牵引车及自卸半挂车，主要用于焦炭、洗精煤等原材料及产品的运输工作，融资总额近2000万元。在江苏金租支持下，H公司在行业内率先淘汰全部燃油重卡，全面切换为三一电动重卡，成为该省首家实现绿色运输转型的企业。Amid the backdrop of the “peaking carbon dioxide emissions and achieving carbonneutrality”, H Gas Co., Ltd., with financial support from JFL, procured 20 electrictractors and self-dumping semi-trailers primarily for transporting raw materials andproducts such as coke and washed coal, with total financing amounting to nearly20 million RMB. With JFL’s backing, H Gas became the first company in the industryto completely phase out fuel-powered heavy-duty trucks in favor of Sany electricheavy-duty trucks, thereby pioneering a green transportation transformation in theprovince.

典型案例Case study

公司围绕制造业、农业、工程机械等领域，支持中小微企业实施技术改造、设备更新，带动产业整体向高端、智能、绿色方向升级。The Company, focusing on industries such as manufacturing, agriculture, and construction machinery, supports small andmicro enterprises in implementing technological transformations and equipment upgrades, thereby driving the overallindustry toward high-end, intelligent, and green development.

03 服务高端制造，助力新质生产力发展Serving high-end manufacturing and supporting thedevelopment of new-quality productivity

亿元

工业装备领域新增投放New investment in the fieldof industrial equipment

农业装备领域新增投放New investment in the fieldof agricultural equipment

（２）农业装备Agricultural equipment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。截至2024年末，公司在合作农机厂商和经销商超1200家，实现对全球范围内主流农机品牌的全覆盖,年内农业装备领域新增投放90亿元。Keeping pace with the agricultural production cycle and focusing on thetransformation and upgrading needs of new agricultural operators and agri-animal enterprises, the Company continuously increased its service eortsin the agricultural machinery and animal husbandry markets. By the endof 2024, the Company cooperated with over 1,200 agricultural machineryvendors and dealers, achieving full coverage of mainstream globalagricultural machinery brands.The newly invested amount in the agriculturalequipment sector within the year is 9 billion RMB.

（１）工业装备 Industrial equipment布局印刷包装、纺织、机械加工等领域。通过与海德堡、小森、立达等国内外一流设备厂商紧密合作，更高效地服务客户。2024年，公司在工业装备领域新增投放142亿元。The Company has presence in areas such as printing and packaging,textiles, and machining. Through close cooperation with top domestic andinternational equipment vendors such as Heidelberg, KOMORI, and Lida, Thecompany serves its customers more eciently. In 2024, the company newlyinvested 14.2 billion yuan in the industrial equipment sector.

Chapter II 主动作为服务新质生产力江苏金租｜6564｜

典型案例Case study

助力春耕“金种子”播撒田间Sowing “golden seeds” in the fields during springploughing2024年3月，江苏金租收到了来自内蒙古呼伦贝尔Y公司采购播种机的需求，当时距离大规模春耕播种已不足1个月，时间紧、任务重。江苏金租团队迅速行动，结合农业生产周期为企业定制了个性化的还款方案，价值930万元的10台豪狮播种机在春耕播种前高效到位。不仅及时满足了农机设备更新换代的需求，还为推广国产农机装备提供助力。In March 2024, JFL received a request from Company Y in Hulunbuir, Inner Mongolia,for the procurement of seeders. With less than one month remaining until thelarge-scale spring sowing, the task was hard and the company was pressed fortime. The JFL team quickly acted and, in line with the agricultural production cycle,customized a repayment plan for the enterprise. Ten HORSCH seeders valued at

9.3 million RMB were eciently delivered before the spring sowing began. This not

only met the demand for upgrading agricultural machinery but also supported thepromotion of domestically produced agricultural equipment.

助力夏粮绿色仓储Supporting green storage for summer grain2024年，江苏S粮油公司计划新建7栋恒温仓和5000吨容量低温库，并通过将云计算、物联网以及智能控制等技术应用到仓储环节中，加快推动粮食仓储由“安全储粮”向“绿色优储”跃升。针对企业实际需求，公司充分发挥“融资+融物”的特色服务优势，快速融资2000万元，缓解企业燃眉之急。In 2024, Jiangsu S Grain & Oil Company planned to build 7 constant-temperaturewarehouses and a low-temperature storage facility with a capacity of 5,000 tons.By integrating cloud computing, the Internet of Things, and intelligent controltechnologies into the storage process, the Company accelerated the transition ofgrain storage from “secure storage” to “green and optimal storage.” In responseto the enterprise’s actual needs, JFL fully leveraged its unique “financing + assetleasing” service advantage to rapidly secure 20 million RMB in financing, alleviatingthe enterprise’s urgent cash flow needs.

（３）工程设备Engineering equipment携手全球知名工程机械厂商，精准聚焦道路、桥梁、隧道等建设，提供挖掘、钻孔、桩工、码头吊装、沥青拌合、破碎掘进、高空作业等多元设备租赁服务。2024年，公司在工程机械领域投放金额83亿元。In cooperation with globally renowned construction machinery vendors,the Company precisely targets construction in roads, bridges, tunnels, andother areas, providing diversified equipment leasing services for excavation,drilling, piling, wharf lifting, asphalt mixing, rock breaking and tunneling,and high-altitude operations. In 2024, the company invested 8.3 billion RMBin the engineering equipment sector.

推动道路养护提质增效Enhancing road maintenance quality and eciency道路施工行业有“三分建设七分养”之说，陕西J机械科技公司肩负着当地公路养护的重任。在承接时间紧、要求高的陕西某高速公路项目后，J公司决定“破旧立新”，对传统的公路养护设备进行更新换代。但其他金融机构没有针对于此类项目的扶持性政策，公司无法获得短期、灵活的资金支持。江苏金租联合全球知名的工程机械制造商山猫Bobcat推出定制化方案，为其购买山猫滑移装载机设备，为企业发展注入新的活力。There is a saying in the road construction industry that “construction is 30%and maintenance is 70%.” Shaanxi J Machinery Technology Company shouldersthe responsibility for highway maintenance in its region. After undertaking ahigh-priority project on a Shaanxi expressway with tight timelines and highrequirements, J Machinery decided to “replace the old with the new” by upgradingtraditional highway maintenance equipment. However, other financial institutionsdid not have supportive policies for such projects, leaving the Company unable tosecure short-term, flexible financing support. JFL, in collaboration with the globallyrenowned construction machinery vendor Bobcat, launched a customized solution,enabling the purchase of Bobcat skid steer loaders and injecting new vitality intothe enterprise’s development.

亿元

工程机械领域新增投放New investment in the fieldof construction machinery

Chapter II 主动作为服务新质生产力江苏金租｜6766｜

（1 ）教育产业

Education industry

聚焦民办教育量质齐升及健康发展的需求，支持民办高校、职业院校改扩建和采购信息化设备，建设智慧校园、智慧教室等。2024年，公司在教育板块投放金额25亿元。Focusing on the need for both quantitative and qualitative improvementsand the healthy development of private education, the Company supportsthe expansion and renovation of private colleges and vocational schools,as well as the procurement of information technology equipment to buildsmart campuses and smart classrooms. In 2024, the cumulative financingamount in the education segment reached 2.5 billion RMB.

公司以普惠金融、消费金融等为抓手，积极推进教育、文旅、医疗、养老等民生领域的大规模设备更新，为人民美好生活添砖加瓦。The Company, leveraging inclusive finance and consumer finance, actively promotes large-scale equipment upgrades insectors such as education, culture and tourism, healthcare, and elderly care, thereby contributing to the enhancement ofpeople’s quality of life.

04 服务民生事业，助力文教卫设备更新Serving the livelihood sector and supporting equipmentupgrades in the education, culture and healthcare industries

（2 ）文旅行业

Cultural and tourism industry

积极探索文旅场景下的直租项目，结合文旅产业需求创新多样化服务，支持地方特色文旅精品化、特色化发展。2024年，公司在文旅板块投放金额43亿元。Actively exploring direct-leasing projects in cultural and tourism scenarios,the Company innovates diversified services tailored to the needs of thecultural and tourism industry, supports the development of distinctive andsuperior local cultural and tourism projects. In 2024, the company invested

4.3 billion RMB in the cultural and tourism industry.

典型案例Case study

雪场索道“焕新颜”，冰雪产业再升级Upgrading the ski industry by helping a ski resort replacecable cars吉林B滑雪场是世界滑雪黄金纬度带上的知名滑雪胜地，被誉为“粉雪天堂”。然而，面对索道设备超6000万元的高昂投资成本，该雪场在资金上遇到难题，项目建设一度陷入停滞。鉴于江苏金租在细分行业服务的客户多、口碑佳，滑雪场向江苏金租提出求助。江苏金租仔细勘察索道建设的规划路线，为其量身定制了一套切实可行的租赁方案，新索道建设顺利提上日程。Jilin B Ski Resort, a renowned ski destination located in the world’s golden latitudezone for skiing and hailed as the “Powder Snow Paradise,” faced funding dicultiesdue to the high investment cost of over 60 million RMB for cable car equipment,which had led to a project stall. Given JFL’s strong track record and excellentreputation in niche industry services, the ski resort sought assistance from JFL. Aftercarefully assessing the planned cable car route, JFL customized a practical leasingsolution, enabling the new cable car construction to be smoothly scheduled.

亿元

教育板块投放金额Education sector investmentamount

亿元

文旅板块投放金额Investment amount in thecultural and tourism sector

Chapter II 主动作为服务新质生产力江苏金租｜6968｜

典型案例Case study

（3 ）医养行业Medical and elderly care industry在CT、核磁共振、血管造影等影像通用设备领域，与国内外知名厂商如GE、飞利浦、西门子、东软、联影医疗等保持密切合作，为购置设备的承租人提供配套资金支持。同时积极拓展医疗专科板块，业务覆盖口腔、宠物、眼科、康养、医药检测、骨科、医美等细分领域。2024年，公司在医疗健康领域投放金额25亿元。In the field of general imaging equipment such as CT, MRI, and angiography, theCompany maintains close cooperation with well-known domestic and internationalvendors such as GE, Philips, Siemens, Neusoft, and United Imaging. It providesmatching financial support for lessees purchasing equipment. At the same time,it actively expands into specialized medical segments, with business coveringdentistry, pet care, ophthalmology, elderly care, medical testing, orthopedics,aesthetic medicine, and other niche areas. In 2024, the company invested 2.5billion RMB in the industry.

养老金融助力“银发经济”Supporting the “silver economy” via elderly carefinance无锡M颐养社区由于废弃已久，设施陈旧。当地政府规划重新利用，补充当地康养资源。改造工程需要改造建筑面积超8500平方米，引进床位超百张，面临着不小的资金压力。江苏金租通过售后回租的方式，为其提供了1000万元的融资支持。该项目成功启动改造，M颐养社区投入使用后可容纳200多位老人居住，助力当地养老产业发展。Wuxi M Elderly Care Community, due to prolonged disuse and outdated facilities,was slated for redevelopment by the local government to supplement local elderlycare resources. The renovation project required upgrading over 8,500 squaremeters of building area and introducing over 100 beds, posing significant fundingpressure. JFL provided 10 million RMB in financing support through a sale-and-leaseback arrangement. Once the project was successfully initiated and the MElderly Care Community became operational, it could accommodate over 200elderly residents, thereby supporting the development of the local elderly careindustry.

公司围绕专精特新、高新技术、科创型企业等主体设备销售、生产经营需求，加速布局科技租赁业务，与浪潮、联想、戴尔、思科等信息科技厂商合作，开展计算机存储器、数据中心、检验检测、影视放映等科技设备租赁服务。The Company, focusing on the equipment sales, production, andoperational needs of specialized, refined, characteristic, and innovativeenterprises, has accelerated its layout in technology leasing business. Itcooperates with IT vendors such as Inspur, Lenovo, Dell, and Cisco to oerleasing services for technology equipment including computer memory,data centers, inspection and testing devices, and audiovisual equipment.

05 服务科技金融，支持科技产业发展Serving fintech and supporting the development ofthe technology industry

（１）助力科技型厂商销售Assisting technology-oriented vendors in sales信息通信和智能办公设备Information and communication and intelligent oce equipment

影视设备Audiovisual equipment

生命科学设备Life science equipment

进一步深化与国内大型通信设备龙头企业的合作，积极开拓国内网络设备和安全设备租赁市场。Further deepening cooperation with leading domestic communicationequipment giants, and actively exploring the domestic leasing market fornetwork and security equipment.

与电影放映设备、电影拍摄器材等领军企业开展合作，推广联合促销活动，支持相关设备租赁。Cooperating with leading enterprises in film projection equipment andfilming equipment to promote joint promotional activities and support theleasing of related equipment.

为检测检验、基因测序、健康管理等行业的一流企业提供灵活、个性的科研及生产设备租赁服务。Providing flexible and customized leasing services for research andproduction equipment to leading enterprises in sectors such as inspectionand testing, gene sequencing, and health management.

亿元

医疗健康领域投放金额Amount of investment in themedical and health field

Chapter II 主动作为服务新质生产力江苏金租｜7170｜

金融“滴灌”破解半导体企业融资难题“Targeted financial support” to solve the financingdiculties of a semiconductor enterprise

河南G科技公司是国内领先的半导体碳纤维制造企业，2023年被评为国家级“科技型企业”。为了扩大发展规模，公司急需购置价值1600万元的新设备补充产能。凭借对科技型中小企业需求的长期深挖与充分研究，江苏金租团队量身定制了“新品直租”的融资方案。该方案不仅满足了公司购买新设备的资金需求，还考虑到企业正处于上升发展的关键时期，将还款时间进行延长，大大减轻了公司的财务压力。同时，较低的利率也确保了公司的现金流稳定，为进一步扩大产能和科技创新提供了有力保障。Henan G Technology Company, a leading domestic semiconductor carbon fibervendor and recognized as a national “technology-oriented enterprise” in 2023,urgently needed to purchase new equipment worth 16 million RMB to supplementproduction capacity for expansion. Leveraging extensive research on the needsof technology-oriented SMEs, the JFL team customized a “direct leasing of newproducts” financing plan. This solution not only met the Company’s funding needsfor new equipment purchases, but also extended the repayment period duringits critical growth phase, significantly reducing financial pressure. Additionally,the relatively low interest rate ensured stable cash flow, thereby providing strongsupport for further capacity expansion and technological innovation.

典型案例Case study

（2）支持科技型企业经营

Supporting the operations of technology-oriented enterprises

助力初创期科技型企业购置先进设备Assisting start-up technology companies in acquiring advancedequipment

支持扩张期科技型企业补充流动资金Support expanding tech enterprises to supplement their operational cash?ows

公司通过厂商租赁模式帮助企业引进国际先进设备，解决品牌、设备选型及融资难题。Through the vendor leasing model, the Company helps enterprisesintroduce internationally advanced equipment, addressing challenges inbrand selection, equipment selection, and financing.

公司针对高新技术、“专精特新小巨人”等科技型企业融资难的问题，持续加大金融服务力度。以科技型企业自有设备售后回租方式帮助客户盘活存量资产、改善财务状况。Addressing the financing challenges faced by high-tech and "specialized,refined, characteristic, and innovative SME Giant" tech enterprises, JFL continuesamplifying its financial services. By employing a sale and leaseback approachwith tech enterprises' own equipment, JFL helps clients revitalize assets andimprove financial standings.

公司与法巴租赁合资，设立全国第一家专门开展农业和科技设备租赁的金融租赁专业子公司，为高端装备、科技设备购置引进提供国际化服务，进一步提高产业的科技含量和创新能力。In a joint venture with BNP Paribas Leasing Solutions, the Companyestablished the nation’s first specialized financial leasing subsidiary focusingon agricultural and technical equipment leasing, offering internationalservices for the procurement and introduction of high-end equipment andtechnology, thereby further enhancing the technological competitivenessand innovation capability of the industry.

成立农科专业子公司Establishment of a specialized agriculture and technology subsidiary

Chapter II 主动作为服务新质生产力江苏金租｜7372｜

2024年，公司聚焦工业设备、农业装备、工程机械、交通运输等细分市场，为小微客户提供近560亿元资金支持，同比增长22%。In 2024, the Company concentrated on segmented markets such as industrial andagricultural equipment, construction machinery, and transportation, providingnearly 56 billion yuan in new funding to various small and micro clients, markingan increase of 22% from the previous year.平等对待小微企业践行普惠金融Equal treatment of smalland micro enterprises andinclusive finance practice

议题 / Topic

60,000

亿

笔

新增投放New business volume

年投放项目数Annual number ofprojects launched公司将平等对待小微企业作为重要使命，深耕细作普惠金融领域，积极服务农户、个体工商户以及小微企业等普惠金融客户群体，全力打造可及性高、便捷性强且灵活多样的普惠金融服务体系。2024年公司投放项目数6万余笔，其中98%为小微客户，单均融资额低至一百万左右。The Company regards equal treatment of small and micro enterprises as an importantmission, deeply cultivating the field of inclusive finance. It actively serves inclusivefinance client groups such as farmers, self-employed entrepreneurs, and small andmicro enterprises, and is committed to building a highly accessible, convenient, andflexible inclusive finance service system. In 2024, the company launched more than60,000 projects. 98% of the clients were micro and small enterprises, and the averagefinancing amount per transaction was as low as approximately one million RMB.

同比增长

Year-on-year growth

小微客户占比Proportion of smalland micro customers

2024公司聚焦细分市场The company focuses onsegmented markets

交通运输Transportation

工业设备industrialequipment

农业装备Agriculturalequipment

工程机械constructionmachinery

……

Chapter II 主动作为服务新质生产力江苏金租｜7574｜

服务地域广泛Extensive service regions

公司小微服务地区广泛，能够支持各地区客户需要The Company’s small and micro enterprise services cover a widerange of regions, capable of supporting client needs in variousareas.

32.35

18.63

19.65

南海诸岛

普惠金融租赁资产分布图Distribution map of leased assets involvedin inclusive finance

环渤海存量普惠资产占比Proportion of inclusive assets in the

Bohai Rim

长三角存量普惠资产占比Proportion of inclusive assets in the

Yangtze River Delta

泛珠三角存量普惠资产占比Proportion of inclusive assets in the Greater Pearl River Delta

Chapter II 主动作为服务新质生产力江苏金租｜7776｜

服务领域多元，广覆各行业金融需求Diverse service fields to addressingvarious industry financial needs

在印刷包装、轻工纺织、机械加工等领域，与小森、立达等超百家主流设备厂商紧密合作，为超千家小微工业企业设备更新提供支持。In areas such as printing and packaging, light industry textiles, and machining, the Company is in closecooperation with over 100 mainstream equipment vendors such as KOMORI and Rieter. Support has beenprovided for equipment upgrades in over 1,000 small and micro industrial enterprises.

积极拓展农牧养殖、农产品加工等上下游领域，全方位助力农业发展。通过创设专业子公司、深化业内龙头厂商经销商合作，有效引入国际资源，覆盖农业装备主流品牌，有效服务小微客户。in planting, actively expanding into upstream and downstream sectors such as animal husbandry andagricultural product processing, and comprehensively supports agricultural development. By establishingspecialized subsidiaries and deepening cooperation with leading industry vendors and dealers, internationalresources have been eectively introduced, covering mainstream agricultural equipment brands to serve smalland micro enterprises.

节能环保领域，与储能头部厂商合作，拓展垃圾发电、水电市场。In the energy conservation and environmental protection sector, incooperation with leading storage vendors, the Company expands intowaste-to-power and hydropower markets.

节能环保energy conservation and environmental protection

清洁能源领域，创新升级工商分布式光伏产品、深化与电站建设龙头合作，为小微清洁能源企业提供支持。In the clean energy sector, the Company innovates and upgrades distributedphotovoltaic products for industrial and commercial use, deepeningcooperation with leading power station construction companies to supportsmall and micro clean energy enterprises.

清洁能源clean energy

绿色交通领域，推进商用车、环卫、城市出行等业务，孵化充电桩项目。In the green transportation sector, the Company advances businesses suchas commercial vehicles, sanitation, and urban mobility, and incubatescharging pile projects.

绿色交通green transportation

01 服务小微制造业产业集群，支持小微企业购置高端设备The Company serve small and micro manufacturing industry clusters, andsupport small and micro enterprises in acquiring high-end equipment

02 聚焦“三农”小微客户，深耕种植业全产业链Focusing on small and micro clients related to “agriculture, rural areas andrural people”, the Company deeply cultivates the entire agricultural industrychain

03 服务“绿色”产业，支持小微企业更新设备Serving the “green” industry and supporting small and micro enterprises inequipment upgrades

Chapter II 主动作为服务新质生产力江苏金租｜7978｜

露天煤矿采剥领域，持续巩固沥青搅拌站、桩机施工等优势业务，拓展与国内外品牌合作，开发特色回租产品。In open-pit coal mine stripping sector, the Company continues toconsolidate its advantageous businesses in asphalt mixing plants and pilingmachine construction, expands cooperation with domestic and internationalbrands, and develops specialized sale-and-leaseback products.

露天矿采open-pit coal mine stripping

交通工程建设领域，积极与中标企业携手，为滇藏、川藏、新藏线铁路建设等重大项目的下游分包商排忧解难。In the transportation and engineering construction sector, the Companyactively collaborates with winning bidders to address challenges fordownstream subcontractors in major projects such as the Yunnan-Tibet,Sichuan-Tibetan, and Xinjiang-Tibet railways.

工程建设transportation and engineering construction

助力江苏农牧微企焕新蝶变Helping a Jiangsu agricultural and animal husbandry smallenterprise transform and upgradeH食品（集团）股份有限公司，是一家主营白羽肉鸡养殖与加工的微型企业。2024年1月，计划新建标准化养殖基地与现代化孵化中心，却因市场波动、饲料原料涨价，在孵化场建设时面临资金缺口。江苏金租深入了解其资金需求与运营状况，迅速定制融资方案，提供近500万元资金。截至2024年末，公司累计为其提供超2500万元融资支持，助力其实现现代化转型。H Food (Group) Co., Ltd., a micro enterprise specializing in white feather broiler breedingand processing, planned to establish a standardized breeding base and modernincubation center in January 2024. However, due to market ?uctuations and rising feedcosts, a funding gap emerged during the construction of the incubation center. JFLthoroughly assessed its funding needs and operational conditions, quickly customizeda financing plan, and provided nearly 5 million RMB in funding support. By the end of2024, the Company had cumulatively provided over 25 million RMB in ?nancing support,assisting the enterprise in achieving a modern transformation.

典型案例Case study

精心筛选适配的设备类型与品牌，为小微企业客户量身打造融资服务。The Company provides financing assistance to small and micro enterprises by carefully selecting suitable equipmenttypes and brands.

04 聚焦工程机械行业，为小微企业提供融资助力In the engineering machinery industry,and tailoring financing services for smalland micro enterprise clients

Chapter II 主动作为服务新质生产力江苏金租｜8180｜

典型案例Case study

坚持战略导向a strategic focus坚持问题导向a problem‐solving approach坚持“三步走”思路It follows a "three-phase" strategy

贯彻“三个坚持”It upholds "threeguiding principles"

升级数字金融赋能业务发展

议题 / Topic

坚持与业务的融合发展seamless integration withbusiness development

支撑Enablement

融合Integration引领Leadership

Upgrading digital finance toempower business growth

2024年，信息科技让业务更具竞争力、风控更加有效、管理更加精细化。In 2024, digital technology enhanced business competitiveness, optimized risk control, and enabled morerefined management.

2024年，公司持续微服务架构研发，构建敏捷业务集群，自主开发新增23个系统，上线了2485个功能点，覆盖汽车金融、农业机械、机械加工、分布式光伏等多个细分领域，新增实现超170多种业务场景线上化，将金融服务触达偏远地区及小微客群，全年新增服务客户6万余户，其中个人和小微企业占比98%。In 2024, the Company continued to advance its microservice architecture development, building agile businessclusters and independently developing 23 new systems. We launched 2,485 functional modules across multipleniche sectors such as automotive finance, agricultural machinery, mechanical processing, distributed PVsystems, and enabled over 170 business scenarios to go online. This expansion has extended financial servicesto remote regions and micro- and small-enterprises. Over the year, we added over 60,000 new clients, withindividuals and micro-enterprises accounting for 98%.

01 构建垂直领域尽调评审架构，孵化产业、科技、金融知识体系Establishing a vertical-sector due diligence review framework to incubateindustry, technology, and financial knowledge systems

构建敏捷业务集群，释放科技价值Building agile business clusters to unleashtechnological value

"3+X"智能尽调评审系统沉淀客户基础信息、资金往来流水、不同行业的风险评价指标、设备运行数据等12大类400多个核心数据字段，构建起覆盖租前尽调、租中审批、租后管理的全周期数据模型。项目审批效率提升17%。The “3+X” intelligent due diligence system aggregates more than 400 core data fields across 12categories—including client profiles, transaction turnover, industry-specific risk evaluation indicators,and equipment performance data—to build a full-cycle data model that spans pre-leasing duediligence, in-leasing approvals, and post-leasing management, thereby improving project approvaleciency by 17%.

自定义配置300多个特色评审指标Customization of over 300 specialized evaluation indicators

个个%

尽调评审核心数据Due diligence review ofcore data特色评审指标Characteristic evaluationindicators

审批效率提升Improved approvale?ciency

3X基础服务basic services

外部数据服务External dataservices

客户公共服务standardizedclient services

流程引擎服务process engineservices

行业参数矩阵industry parameter matrix区域直租Covering sectorssuch as regionaldirect leasing

小企业回租SME lease-back

分布式光伏distributed PV

农业机械agricultural

machinery汽车金融等行业automotivefinance

...

创新"3+X"智能尽调评审系统Innovative “3+X” intelligent due diligence review system

系统基于微服务架构理念。The system is based on a microservice architecture concept.

Chapter II 主动作为服务新质生产力江苏金租｜8382｜

02 建设多维度多样化复杂策略、模型，提升全流程防控风险能力Developing multidimensional, diversified, and complex strategies andmodels to enhance full-process risk control capabilities在零售业务的风险防控体系建设中，公司通过模型策略优化和反欺诈识别双轮驱动，构建覆盖零售业务全流程的动态防护网络。In building the risk control framework for retail business, the Company employs a dual-engine approach—modelstrategy optimization and anti-fraud identification—to create a dynamic protection network covering the fullprocess of retail business.

双轮驱动dual-engineapproach

模型快速迭代Rapid iteration

of the model

反欺诈全流程管理

Full-processmanagement ofanti-fraud

聚焦行业性的风险识别与动态监测，实现精细化升级。Focus on industry-specific riskidentification and dynamicmonitoring to achieve refinedupgrades.

搭建经销商评级策略，将经销商划分为A、B、C、D、E五个等级，并根据等级对经销商和厂商实施差异化的风险定价策略，从而在风险管理与收益优化之间寻找平衡。We have established a distributor ratingstrategy that classifies distributorsinto five levels—A, B, C, D, and E—and implements differentiated risk-pricing strategies for distributors andvendors based on their levels, therebybalancing risk management with yieldoptimization.经销商评级distributor rating

引入在线音视频风险识别技术，通过人脸核验与电子签名双重校验，防范合同代签、内容篡改等欺诈行为;The Company integrated online audio–video risk identification technology with dual verification (facial recognition andelectronic signatures) to prevent fraudulent practices such as unauthorized contract signing and content tampering;在数字评审系统中接入司法不良、腾讯反欺诈分等数据源，开发车辆、农机零售业务专属反欺诈模块。it also incorporated data sources like negative judicial records and Tencent anti-fraud scores into its digital evaluationsystem, and developed dedicated anti-fraud modules for vehicle and agricultural machinery retail.前端入口Front-end measures

上线音视频尽调功能，通过语义分析，识别客户交易实质；The Company introduced an audio–video due diligence function that uses semantic analysis to discern the true nature ofclient transactions;上线视频交付自动核查功能，确保租赁物真实交付。Launch the automatic video verification function for deliveries to ensure the real delivery of the leased assets.交付环节Delivery stage

上线反欺诈案件管理系统，实现案件上报、跨部门协查及风险判定全流程线上化闭环。The Company launched an online anti-fraud case management system, creating a closed-loop process for casereporting, cross-departmental investigations, and risk assessment.案件管理Case management

开发厂商经销商数字化管控平台，读取反欺诈案件的实时数据，实现经销商资质准入、动态评级、合作冻结等12个核心环节线上化操作，并为3000多家合作商建立动态更新的信用档案库。We have developed a digital control platform for vendors and distributors that ingests real-time anti-fraud case datato automate online 12 core processes, including distributor qualification admission, dynamic rating, and cooperationsuspension. Additionally, we have built a dynamically updated credit dossier database for over 3,000 partners.经销商管理Distributor management

模型策略优化Model strategy

optimization

反欺诈识别

Anti-fraudidentification

客户画像策略client-profilingstrategies

租前预审准入策略

pre-leaseadmission review

strategies

租中自动审批策略automated approval

strategies during

lease

租后烽火预警监测系统post-lease Beaconearly-warningmonitoringsystem

动态监测dynamic monitoring

BCDE

Chapter II 主动作为服务新质生产力江苏金租｜8584｜

公司在实现各类业务场景过程中，积极连接丰富外部资源，为员工打造更高效的办公环境，为客户提供更加高效的产品体验。Throughout various business scenarios, the Company actively connects with a wide range of external resources tocreate a more e?cient work environment for its sta? and deliver superior product experiences to its clients.

整合丰富外部资源，数字化工程提升服务管理效能Leveraging a wide range of external resourcesand digital engineering to enhance service-management eciency

携手阿里、携程、滴滴等商旅、出行资源，结合公司内控管理要求，重塑差旅出行流程，实现了0碳差旅出行，支持“全线上预定、免垫资、免开票、免报销”，全程没有线下流程。The Company launched the “Smart Business Travel” system in partnership with travel and mobility giants suchas Alibaba, Ctrip, and Didi. In line with internal control requirements, the system reengineered the travel processto achieve zero-carbon business travel. It supports fully online booking, no prepayments, no invoicing, and noreimbursement, completely eliminating oine procedures.

01 上线"智慧商旅"系统The Company launched the “Smart Business Travel” system

汽车金融业务?构建专项风控矩阵Constructing a dedicated risk-control matrix forautomotive finance business

典型案例Case study

风险全面识别Comprehensive risk

identification

复杂风险预警Complex risk early

warning

全流程监测

Full-processmonitoring

2024年，公司上线乘用车客户评级模型，优化黑名单规则、整合司法涉诉数据，将高风险客户拦截率提升至89%。In 2024, the Company launched a clientrating model for the passenger vehiclesegment, optimized blacklist rules, andintegrated legal litigation data to raise theinterception rate for high-risk clients to 89%.

通过知识图谱技术识别关联方担保、多头借贷等复杂风险网络，集中性风险预警准确率达92.3%。The Company applied knowledge graphtechnology to identify intricate risk networks(such as related-party guarantees andmultiple borrowing scenarios), achieving acentralized risk early warning accuracy of

92.3%.

迭代全流程风险监测体系2.0，新增业务分布热力图、规则命中分析等五大模块，并针对汽车金融总对总业务（特斯拉、小米、通用汽车等厂商）定制包含18个监测指标的差异化策略包，实现从租前准入到租后行为的全景监测。We have iterated our full-process risk monitoring system to version 2.0 with fivenew modules (including business distribution maps, rule match analysis), andhave customized an 18-indicator differentiation strategy package for corporate-to-corporate automotive finance business (manufacturers such as Tesla, Xiaomi,and General Motors), achieving panoramic monitoring from pre-lease admissionthrough post-lease behavior.

风险预警准确率达Risk Early Warning Accuracy

92.3

风险拦截率提升至Interception Rate For Risk

运用OCR识别技术实现纸质/电子票据统一解析入库、税务核验真伪，支持增值税专票、电子普票等18类票种自动查验，自动付款。实现开票、验票完全无纸化，票据管理综合成本下降42%。The Company introduced the “Tax Assistant” (“Shuiletong”)intelligent financial and tax system, which independently interfaceswith the State Taxation Administration’s “Leqi” platform. UtilizingOCR technology, the system uniformly processes paper andelectronic invoices, verifies authenticity, and automatically checks18 types of invoices (including special and electronic generalVAT invoices) and processes automatic payments, achieving acompletely paperless invoicing process and a 42% reduction inoverall invoice management costs.

02 上线"税乐通"智能财税系统The Company introduced the “Tax Assistant” (“Shuiletong”)intelligent financial and tax system

Chapter II 主动作为服务新质生产力江苏金租｜8786｜

典型案例Case study

车辆抵押是车辆融资业务中重要的一环，传统模式下，客户融资购车办理上牌后，需收集车辆登记证、抵押合同、委托书等纸质材料，前往车管所办理车辆抵押业务，既耗时又麻烦。Vehicle mortgage is a critical step in vehicle financing. Traditionally, after financing a vehiclepurchase and completing registration, clients had to gather paper documents such as the vehicleregistration certificate, mortgage contract, and authorization letter, and then visit the vehicleadministration oce—a process that was both time-consuming and cumbersome.2024年，公司联合公安部抵解押服务平台，推出线上抵解押系统。客户在"车乐租" APP 上签署合同及相关授权后，解抵押系统自动核验客户信息、车辆信息、电子影像件等相关信息并推送至公安部，客户在上牌时顺手就能完成车辆抵押。全程"0纸质材料，0二次跑腿"，客户融资购车体验大幅提升。In 2024, in partnership with the Ministry of Public Security’s mortgage and release serviceplatform, the Company launched an online mortgage and release system. After signing contractsand granting necessary authorizations via the “Vehicle Leasing” APP, the system automaticallyverifies client and vehicle details, along with electronic images, and transmits this information tothe Ministry of Public Security. This allows clients to complete the mortgage process seamlesslyduring vehicle registration. With zero paper documents and no repeat trips, this system greatlyenhances the experience of financing for vehicle purchase.

行业首家线上直联抵解押平台，让客户"少跑一趟"The industry’s first direct online mortgage and release platform –saving clients a trip

典型案例Case study

“智管万物”连接了多家车辆、工程、农机、光伏厂商的原厂设备管理系统，平台实时监测数十万台租赁物租后运营。设备运营数据结合有效的企业外部风险数据，根据不同行业的风险检测模型，通过“烽火”租后风险预警系统实时发送给客户经理，形成风险事件处理闭环。The “Smart IoT Manager” platform is connected to original-equipment management systemsfrom multiple vehicle, engineering, agricultural machinery, and PV vendors, monitoring hundredsof thousands of leased assets in real time. Equipment operational data, combined with eectiveexternal corporate risk data and industry-specific risk detection models, are transmitted via the“Beacon” post-lease risk early-warning system to account managers in real time, forming aclosed loop for risk event handling.

应用IOT技术，连接多方资源，夯实“智管万物”租赁物管理Applying IoT technology to connect multiple resources andstrengthen the leased asset management of “Smart IoT Manager”

“智管万物”租赁物管理平台“Smart IoT Manager” leased asset management platform

2024年，公司升级“智管万物”租赁物管理平台In 2024, the Company upgraded the “Smart IoT Manager” leased asset management platform

开发developing新增adding

汽车金融GPS前置管理系统automotive finance GPS front-endmanagement system企业“工业互联”前置系统enterprise “Industrial Interconnection”front-end system

多个物联网管理系统adding multiple IoTmanagement systems

智管万物Smart IoT Manager

Chapter II 主动作为服务新质生产力江苏金租｜8988｜

典型案例Case study探索人工智能技术，落地重点应用场景Exploring AI technologies and implementing keyapplication scenarios

公司正积极探索用AI思维和技术重塑各类业务场景的可能。“慧眼方通”AI智能体应用于放款材料质检，“慧言拾音”AI智能体应用于营销、客服语音质检，及基于知识图谱构建的“客户关系网络”非结构化分析等场景，不仅显著提升了业务效率，还在风险防控与客户服务中实现了重要突破。公司得以在复杂多变的环境中快速响应市场需求，提升业务服务效能。The Company is actively exploring the potential of AI thinking and technologies to reshape various businessscenarios. The “Huiyan Fangtong” AI agent is applied to quality inspection of disbursement materials; the“Huiyan Shiyin” AI agent is applied to marketing and client service voice quality inspection; and the knowledge-graph-based “Client Relationship Network” is used for unstructured analysis. These applications not onlysignificantly improve business efficiency but also achieve important breakthroughs in risk control and clientservice, enabling the Company to respond rapidly to market demands in complex and dynamic environmentsand enhance service delivery eciency.

打造“慧眼方通”、“慧言拾音”AI智能体，显著提升业务服务能力Developing the “Huiyan Fangtong” and “Huiyan Shiyin”AI agents to significantly enhance business servicecapabilities

以汽车金融放款审核系统为例，通过AI大模型对各类影像件和合同文本进行逐一的工程化调试，错误比对识别准确率高达92%，不仅大幅减少了人工审核的出错可能，还将人力成本降低了60%。In the auto finance disbursementreview system, by applying AI largemodels to engineering-level tuningof various image documents andcontract texts, we have achieved a92% accuracy rate in error comparisonand recognition, substantiallyreducing manual review errors andlowering labor costs by 60%.

小企业金融“慧言拾音”语音质检系统针对营销电话、视频尽调、客服和催收环节的服务质量展开智能分析，能够精准标记的规则关键词，从而显著提升业务服务能力。Additionally, the SME finance“Huiyan Shiyin” voice-quality inspectionsystem conducts intelligent analysis ofmarketing calls, video due diligence,client service, and collection interactions,precisely tagging rule-based keywordsand thereby markedly enhancingservice quality.

服务质量智能分析，精准标记规则关键词system conducts intelligent analysis, precisely tagging

rule-based keywords

慧言拾音Huiyan Shiyin

营销电话MarketingCalls

视频尽调Video DueDiligence

客服ClientService

催收环节CollectionInteractions

影像件比对image documentscomparisonrecognition

合同文本比对Contract Texts

ComparisonRecognition慧眼方通Huiyan Fangtong

9260%%

错误比对识别准确率高达error comparison andrecognition accuracy rate

人力成本降低了Lowering Labor Costs

Chapter II 主动作为服务新质生产力江苏金租｜9190｜

02 自研创新与知识产权保护

In-house innovation and intellectual property protection

强化信息科技治理，筑牢安全底线Strengthening IT governance to to safeguardsecurity

公司严格遵守《个人信息保护法》等法规，在数据分类分级管理上，细化出6大类、18小类数据分类，并针对核心业务数据（如客户征信信息和合同文本）采取了加密存储和动态脱敏等安全措施，有效降低了数据泄露风险，全年未发生任何数据泄露事件。The Company strictly complies with the Personal Information Protection Law and related regulations, dividingdata into 6 major categories and 18 subcategories. For critical business data (such as client credit records andcontract texts), it employs encrypted storage and dynamic desensitization measures to eectively reduce therisk of data breaches, with no incidents reported throughout the year.在信息安全领域，公司顺利完成了ISO27001:2022信息安全管理体系的转版审核认证。这一认证不仅提升了信息安全管理体系的时效性和合规性，也进一步增强了我们在面对复杂信息安全挑战时的防控能力，为企业的数据安全保驾护航。In the realm of information security, the successfully completed the re-certification audit for its ISO27001:2022Information Security Management System. This certification not only enhances the responsiveness and complianceof its information security management system but also significantly strengthens its ability to prevent and mitigatecomplex information security security challenges, thereby safeguarding its corporate data.

01 数据安全与隐私保护Data security and privacy protection

DCMM证书DCMM certificate

2024年，公司持续推进全技术栈自主可控，新增前、后端组件43件，获得软件开发CMMI3级认证。自研分布式微服务组件支持每月投产一个新系统，赋能业务快速迭代，增强服务小微客户能力。In 2024, the Company continued advancing full technologicalautonomy by adding 43 new front-end and back-end modulesand achieving CMMI Level 3 certification for software development.Its self-developed distributed microservice module now supportslaunching a new system every month, enabling rapid businessiterations and enhancing service capabilities for small and microenterprises.

发明专利证书Invention patent certificates

计算机软件著作权Computer Software Copyright

公司在知识产权保护方面也取得了显著成果，全年新增19件自主创新的信息科技发明专利。The Company also made significant strides in protecting intellectualproperty, securing 19 new independent invention patents in the IT fieldover the year.

新增自主创新信息科技发明专利

New independent invention

patents in the IT field

件

Chapter III 心怀绿意守护生态环境江苏金租｜9392｜

心怀绿意守护生态环境

Green Development – Protecting theEnvironment

Chapter

III

Chapter III 心怀绿意守护生态环境江苏金租｜9594｜

随着全球生态环境面临诸多挑战，环境保护不再仅仅是一句口号，而是全人类共同奔赴的使命。公司深刻认识到，金融的力量不仅在于推动经济增长，更在于引导资源流向可持续发展的方向。2024年，公司以绿色金融、绿色融资、绿色运营为发力点，积极投身于环境保护事业。As the global ecological environment faces numerous challenges, environmentalprotection is no longer merely a slogan but a mission shared by all humanity.The Company deeply recognizes that the power of finance lies not only in drivingeconomic growth but also in directing resources for sustainable development. In2024, the Company focused on green ?nance, green ?nancing, and green operations,actively engaging in environmental protection e?orts.

由公司提供融资支持的民钦光伏发电项目入选上海市融资租赁行业协会首届全国绿色租赁创新案例名单。The Minqin PV power generation project, which received ?nancing support from theCompany, was selected as one of the ?rst national green leasing innovation cases bythe Shanghai Financial Leasing Industry Association.公司金融租赁助力产业绿色发展案例获《金融时报》《中国银行保险报》《中国证券报》等主流媒体报道。The Company’s ?nancial leasing cases in promoting industrial green developmentwere reported by mainstream media such as the Financial Times, China Banking andInsurance News, and China Securities Journal.

外部评价：

External evaluation:

公司强化战略引领，将践行绿色金融纳入战略规划，确立了绿色租赁业务发展的战略目标。The Company strengthened strategic leadership by incorporating the practiceof green finance into its strategic planning and setting strategic goals for thedevelopment of green leasing business.

践行绿色金融Green finance practices

议题 / Topic

绿色金融管理Green ?nance management

01 治理架构

Governance structure

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。Relevant functional departments are responsible for implementing requirementsof green leasing policies, including investigating and assessing customers’environmental and social risks, 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.

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。The Board of Directors is responsiblefor approving the Company's strategicdevelopment plans, including greenleasing development plans, andregularly reviewing and approvinggreen leasing work reports submittedby the management team, andsupervising and evaluating theimplementation of relevant strategicobjectives.

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，建立健全相关内部机制。The management team is responsiblefor incorporating green leasingdevelopment into the Company'sstrategies for planning, developinggreen leasing policies and regulations,and establishing and improvingrelevant internal mechanisms.

管理层Management layer执行层Execution layer

决策层Decision-

making

layer

Chapter III 心怀绿意守护生态环境江苏金租｜9796｜

02 制度保障Institutional guarantees

公司制订了《绿色租赁管理办法》，为绿色租赁开展提供制度保障。The Company formulated the “Green Leasing Management Measures” to provide an institutional guarantee for thedevelopment of green leasing.

一是通过合理分配资金、优先配置资源等方式支持绿色租赁业务发展。Firstly, by reasonably allocatingfunds and prioritizing resourceconfiguration, it supports thedevelopment of the greenleasing business.

二是优化内部流程，提升绿色租赁产品的研发、审批、推广速度。Secondly, it optimizes internalprocesses to enhance the speedof research and development,approval, and promotion ofgreen leasing products.

三是规范中、高风险客户准入、跟踪管理和退出机制。Thirdly, it standardizes theadmission, monitoring, and exitmechanisms for medium andhigh-risk clients.

04 考核机制Evaluation mechanism

05 科技赋能

Technological empowerment

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。The Company strengthened the evaluations of environmental and social risksby adding penalty items to green leasing evaluations, such as expansion ofbusiness scale in restricted industries and provision of services to customerswith significant environmental and social risks in violation of regulations.

公司借助大数据与人工智能技术，实现绿色租赁项目的高效处理与风险防控。Leveraging big data and artificial intelligence technologies, the Company achieved efficient processing and riskprevention for green leasing projects.

监测绿色租赁客户的征信、中登、司法等外部数据，若出现异动推送客户经理回访确认。The platform monitors external data such as credit, China Securities Depositoryand Clearing Corporation, and judicial information of green leasing clients, and ifany anomalies occur, triggers a follow-up by the client manager.

通过天、地、人、网模块，智管万物平台实现对绿色租赁资产的全面管理和监控。显著提高了租赁物的管理效率和安全性。Through the “Sky, Ground, Men, Network” modules, the “Smart IoT Manager”platform achieves comprehensive management and monitoring of green leasingassets, significantly enhancing the management eciency and security of leasedproperty.

与厂商共建共享在线服务平台，打通进单、审批到签约、投放全流程。针对绿色租赁业务特点配套开发自动决策引擎，实现绿色零售项目的秒级审批、快速投放。The Company co-build and share an online service platform with vendors tostreamline the entire process from order entry, approval, signing, to deployment. Inaccordance with the characteristics of green leasing, an automated decision-making engine was developed to achieve second-level approval and rapiddeployment for green retail projects.

赋能绿色项目预警监测Empowering earlywarning monitoring ofgreen projects

赋能绿色资产智慧管控Empowering intelligentmanagement of green

assets

赋能绿色项目高效处理

Empowering ecienthandling of greenprojects

03 尽职调查Due diligence investigation为落实监管部门《绿色金融指引》文件要求，公司在项目申报环节强化对客户ESG情况的自查，2024年新增“经营活动是否涉及业务排除清单”“是否涉及产业政策与行业准入政策限制的行业”“环境和社会风险隐患”等5项自查指标，细化各类客户的ESG风险评估。To comply with the regulatory requirements in the “Green Finance Guidelines,” the Company strengthened self-inspections on clients’ ESG conditions during project application. In 2024, five new self-inspection indicators wereadded—“whether business activities involve items on the exclusion list,” “whether they involve industries restrictedby industrial policies or industry access policies,” and “environmental and social risk hazards”—to refine the ESG riskassessment for various clients.

Chapter III 心怀绿意守护生态环境江苏金租｜9998｜

2024年，加大对于清洁能源、环保设施、绿色出行等重点领域的绿色租赁服务力度。In 2024, the Company increased its green leasing services in keyareas such as clean energy, environmental protection facilities, andgreen mobility.截至目前，江苏金租围绕风电、储能、氢能、户用光伏、垃圾发电、污水处理等能源环保行业，累计投放近900亿元。Up to now, JFL has has cumulatively invested nearly 90 billion yuanin energy and environmental protection industries—including windpower, energy storage, hydrogen energy, residential PV, waste-to-power, and sewage treatment.

2024年，投放绿色租赁项目229亿元，同比增长17%；投放合同数1.28万笔，同比增长156%。截至年末，绿色租赁业务余额414亿元，同比增长33%，约占租赁业务余额的32%。In 2024, funds for green leasing projects reached 22.9 billion RMB, a year-on-year increase of 17%; the numberof leasing contracts reached 12,800, a year-on-year increase of 156%. By the end of the year, the balance ofgreen leasing business was 41.4 billion RMB, a year-on-year increase of 33%, accounting for approximately 32%of the total leasing business balance.

绿色金融实践Green ?nance practices

亿

投放能源环保行业Invest in the energy andenvironmental protectionindustry

01 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 energystructure公司积极服务集中式光伏、风电、分布式光伏等多个细分市场，2024年新增装机规模约10.5GW，相当于每年产生清洁电力150亿度，节约标准煤456万吨，减少二氧化碳排放1120万吨。The Company actively serves various sub-markets including centralized PV, wind power, and distributed PV. In2024, the newly installed capacity increased by approximately 10.5 GW, generating 15 billion kilowatt-hours ofclean electricity annually, saving 4.56 million tons of standard coal, and reducing carbon dioxide emissions by

11.2 million tons.

10.5

GW新增装机规模约Approximately new installed capacity

4561120

亿度

万吨万吨

产生清洁电力Generate clean electricity

节约标准煤Save standard coal

减少二氧化碳排放Reduce carbon dioxide emissions

2291.28414

1715633

亿万笔亿

%%%

投放绿色租赁项目Funds for green leasingprojects reached

投放合同数Leasing contractsreached

绿色租赁业务余额Balance of green leasingbusiness

同比增长Year-on-year growth

占租赁业务余额Accounting for the balanceof leasing business

Chapter III 心怀绿意守护生态环境江苏金租｜101100｜

深入一线调研客户需求，推出“闪光租”产品，全面升级业务管理系统，提高客户响应效率，解决工商业分布式光伏业务“多、小、散”的难题，审批时效实现“T+0”。After in-depth research on client needs, the Company launched the “PVEquipment Leasing” product, comprehensively upgraded its businessmanagement system, improved client response efficiency, and resolved thechallenges of “many, small, and scattered” in industrial and commercialdistributed PV business, achieving same-day (“T+0”) approval eciency.

公司深度挖掘与行业龙头总包商合作渠道，与多家央国企建立战略合作，服务优质民营企业。The Company has deeply explored cooperation channels with industry-leadinggeneral contractors and established strategic partnerships with several centralstate-owned enterprises to serve high-quality private enterprises.

( 2 ) 工商业分布式光伏Industrial and commercial distributed PV projects

( 1 ) 大型集中式地面电站业务

Large centralized terrestrial power station projects

公司深化与全国领先厂商合作，加快推进湖北、陕西、湖南、甘肃等地区“租屋顶”模式下的户用光伏业务，助力光伏电站走进乡村、支持农户创收增收，点亮乡村振兴路。The Company deepened cooperation with leading vendors nationwide andaccelerated the promotion of the “Roof Leasing” model in regions such as Hubei,Shaanxi, Hunan, and Gansu, thereby helping PV power stations reach ruralareas, supporting farmers to increase their income, and contributing to ruralrevitalization.

( 3 ) 户用光伏业务Residential PV business

公司全面覆盖电源侧、用户侧、独立和共享四类储能模式。助力企业用电削峰填谷，降低用电成本。JFL comprehensively covers power-supply-side, user-side, standalone, andshared energy storage models, aiding businesses in peak shaving and loweringelectricity costs.

( 4 ) 储能市场Energy storage market

广西M能源集团是一家民营新能源企业，计划利用15000亩荒山地建设300兆瓦光伏发电项目，但因处于初创阶段，鲜有金融机构支持，企业存亡就在一线之间。江苏金租及时伸出援手，为其提供7.5亿元融资支持。该项目不仅创造了当年全国单体光伏项目并网容量之最，还获得国家优质工程奖和中国电力优秀工程奖。Guangxi M Energy Group, a private new energy enterprise, planned to develop a300-megawatt PV power project on barren mountain land of 15,000 mu. However,as a start-up with little support from financial institutions, the enterprise’s survivalwas at stake. JFL promptly stepped in to provide 750 million RMB in financingsupport. This project not only created the largest single-unit grid-connectedcapacity for a PV project in the country that year but also won the National QualityProject Award and the China Electric Power Excellent Project Award.

H食品公司从事传统面点制作，计划利用厂房屋顶空闲面积安装光伏电站，江苏金租得知需求后，迅速上门对接，通过直租方式为其定制融资方案。目前，H食品公司已在厂房屋顶建成0.748MW的光伏电站，每年发电量约73万度，为企业节约用电成本近45万元，实现“低碳风味”的可持续发展。H Food Company, engaged in traditional pastry production, planned to installa PV power station on the unused roof space of its factory. Upon learning ofthe requirement, JFL promptly visited the client and, through direct leasing,customized a financing solution. Currently, H Food Company has established a

0.748 MW PV power station on its factory roof, with an annual power generation

of approximately 730,000 kWh, saving nearly 450,000 RMB in electricity costs andachieving sustainable development with a “low-carbon flavor.”

携手民营企业点亮山村“金土地”Partnering with private enterprises to illuminate the“Golden Land” in a mountain village

实现中华传统面点“低碳风味”Achieving the “low-carbon flavor” of traditional Chinesepastries

典型案例Case study

Chapter III 心怀绿意守护生态环境江苏金租｜103102｜

( 1 ) 新能源环卫车租赁 New energy sanitation vehicle leasing坚定“厂商+区域”市场服务策略，加大重点厂商合作力度，扩大湖南、河南、湖北等地厂商驱动型的区域服务团队规模，更加贴近服务当地客户需求，年内支持企业销售新能源环卫车千余辆。Adhering to the “vendor + region” market service strategy, the Companyincreases cooperation with key vendors and expands the scale of vendor-drivenregional service teams in Hunan, Henan, Hubei, and other regions to betterserve local client needs, supporting the sale of 1,000 new energy sanitationvehicles during the year.

( 3 ) 发展“三废”处理设备租赁 “Three wastes” treatment equipment leasing

公司坚持“特许经营权+产业环保”双线服务，一方面，以区县为单位，深度开发地方BOT特许经营类项目，为区域环境治理提供融资方案；另一方面，聚焦火电、钢铁、煤矿、化工等高耗能行业，为大型产业集团提供环保配套设备租赁服务，助力企业实现绿色转型和可持续发展。The Company adheres to a dual-service model of “franchise rights + industrialenvironmental protection.” On one hand, by developing local BOT franchiseprojects on a district or county basis, it provides financing solutions for regionalenvironmental governance; on the other hand, it focuses on high-energyconsumption industries such as thermal power, steel, coal mining, and chemicals,providing environmental equipment leasing services to large industrial groups,thus aiding enterprises in achieving green transformation and sustainabledevelopment.全年助力固废处理240万吨、污水8200万吨、大气治理182亿立方，实现资源化利用发电约18.7亿度。Throughout the year, the Company assisted in the treatment of 2.4 million tons ofsolid waste, 82 million tons of sewage, and 18.2 billion cubic meters of air pollutioncontrol, achieving resource utilization through power generation of approximately

1.87 billion kWh.

( 2 ) 城市充电设施租赁 Urban charging facilities leasing与能源行业20家头部厂商及平台建立了长期稳定的合作关系，稳步推进“千站计划”。年内已为超过400家充换电站提供专业化融资服务，有效支持了城市充电基础设施的快速建设和运营，助力绿色出行和能源结构转型。The Company has established long-term and stable cooperation with 20 leadingvendors and platforms in the energy industry, steadily advancing the “thousand-station plan.” During the year, it provided professional financing services to over400 charging and swapping stations, eectively supporting the rapid constructionand operation of urban charging infrastructure and promoting green travel andenergy structure transformation.

02 助推节能环保，优化城市环境Promote energy conservation and environmental protection, and optimize theurban environment公司以环卫车租赁、城市充电设施租赁、“三废”处理设备租赁为重要抓手，进一步聚焦民生实事，服务城市绿色发展。The Company, by focusing on leasing sanitation vehicles, urban charging facilities, and “three wastes” treatmentequipment, further concentrates on people’s livelihood issues and serves urban green development.

千余辆

8,200

18.7

万吨

亿m

亿度

全年固废处理Annual solid waste treatment

销售新能源环卫车Selling new energysanitation vehicles

污水处理sewage treatment

大气治理Atmospheric governance

资源化利用发电约Resource utilization forpower generation

家

充换电站融资服务Financing services forcharging and swappingpower stations

Chapter III 心怀绿意守护生态环境江苏金租｜105104｜

03 深耕新能源交通产业，促进出行运输减排

Diving deep into the new energy transportation industry to promote emissionreductions in travel and transport江苏金租积极响应国家绿色发展战略，聚焦城市出行、货运物流、低碳航运等绿色可持续交通领域，持续加大对新能源客车、换电重卡、绿色船舶等设备融资项目的支持力度。通过提供专业化、多元化的金融服务，公司助力交通运输结构的优化调整，推动公路交通向清洁能源化转型，为实现“双碳”目标贡献力量。JFL actively responds to the national green development strategy, focusing on green and sustainabletransportation fields such as urban travel, freight logistics, and low-carbon shipping. It continuously increasessupport for financing projects involving new energy buses, battery swapping heavy-duty trucks, andgreen vessels. By providing professional and diversified financial services, the Company aids in optimizingtransportation structures, promoting the transformation of road transport to clean energy, and contributing tothe achievement of the goal of “peaking carbon dioxide emissions and achieving carbon neutrality”.2024年，公司助力城市交通电动替代、绿色转型，全年新增投放32亿元。In 2024, the company supported the electric substitution and greentransformation of urban transportation, with a new investment of 3.2billion yuan throughout the year.亿

全年新增投放New businesscolume

在某机场基地内，由J科技有限公司投资建设的充电桩项目正高效运转。该项目包括32台160KW双枪充电桩和6台160KW单枪充电桩，每日充电量近4万度，兼容主流电动车型。然而，项目初期因充电桩行业重资产、回报周期长，企业面临融资难题。江苏金租获悉后，依靠在充电设施细分市场的实践经验和专业能力，凭借“融资+融物”优势，帮助运营商解决资金问题，助力项目快速落地。At an airport base, a charger project invested by J Technology Co., Ltd. is operatingefficiently. The project comprises 32 dual-gun 160 kW chargers and 6 single-connector 160 kW chargers, with a daily charging volume of nearly 40,000 kWhand compatibility with mainstream electric vehicle models. However, in the earlystages, due to the heavy asset nature and long return cycle of the charger industry,the enterprise faced financing diculties. Upon learning of this, JFL leveraged itspractical experience and professional capabilities in the charging facilities sub-market, using its “financing + asset leasing” advantage to help the operator resolvefunding issues and facilitate the rapid implementation of the project.

支持国际机场建起便民“充电宝”Supporting an international airport in establishing aconvenient “power bank”

典型案例Case study

Chapter III 心怀绿意守护生态环境江苏金租｜107106｜

( 1 ) 客运公交市场 Passenger bus market与公交龙头厂商合作，服务江苏、江西、山东等地公交集团购置更新车辆；为旅游景点服务，助力多家5A级、4A级景区引入新能源客车，为绿色出行提供便利。In cooperation with leading bus vendors, the Company served public transit groupsin Jiangsu, Jiangxi, Shandong, and other regions to purchase and update vehicles;it also supported several 5-A and 4-A scenic spots in introducing new energy busesto facilitate green travel.

( 2 ) 新能源重卡市场 New energy heavy-duty truck market巩固重卡领域头部厂商业务合作，提高融资渗透率；围绕新疆、浙江、天津、河北等地区水泥、钢材、煤炭运输等场景，为运输企业及个人购置新能源重卡提供资金支持4亿元。The Company consolidated business cooperation with leading heavy-duty truckvendors and increased financing penetration. Focusing on scenarios such ascement, steel, and coal transportation in regions like Xinjiang, Zhejiang, Tianjin,and Hebei, it provided 400 million RMB in financing support for transportationenterprises and individuals purchasing new energy heavy-duty trucks.

( 3 ) 新能源乘用车和网约车市场 New energy passenger car and ride-hailing vehicle market持续加强知名车企厂商的总对总业务对接，深化新能源车企合作层级，全年为客户购置新能源乘用车及网约车提供资金支持17亿元。The Company continuously strengthened direct business connections with well-known automotive vendors, deepened cooperation with new energy vehiclecompanies, and provided 1.7 billion yuan in financial support for customers topurchase new - energy passenger cars and ride - hailing vehicles throughout theyear.

( 4 ) 航运市场 Shipping market公司持续扩大双燃料绿色船舶资产规模，积极探索电池动力船舶、氨燃料动力船舶等领域，助推航运低碳绿色发展。The Company continuously expanded its green vessel asset base with dual-fuelships and actively explored fields such as battery-powered vessels and ammonia-fueled vessels, thereby promoting low-carbon and green development in shipping.

亿

提供新能源重卡购置资金Provide funds for the purchaseof new energy heavy-dutytrucks

支持金额Support amount

Chapter III 心怀绿意守护生态环境江苏金租｜109108｜

近年来，公司着力开拓绿色融资渠道。一方面积极与多家金融机构展开深度合作，发行绿色金融债券，推进蓝色贷款，拓宽直接融资路径；另一方面，大力探索以绿色资产证券化为代表的创新型融资方式，整合内部优质绿色资产，盘活资金，为公司绿色业务的蓬勃发展注入源源不断的动力。In recent years, the Company has focused on expanding green financing channels. On one hand, it has activelyengaged in in-depth cooperation with multiple financial institutions to issue green financial bonds, advanceblue loans, and broaden direct financing channels; on the other hand, it has vigorously explored innovativefinancing methods represented by green asset securitization, integrating high-quality internal green assets toactivate funds and continuously inject momentum into the robust development of its green business.

为规范绿色融资项目管理，确保募集资金投向绿色产业项目，公司不断完善绿色金融相关管理制度，加强募集资金及投向管理，进一步提升绿色融资专业化能力。To standardize the management of green financing projects and ensure that raised funds are directed towardgreen industrial projects, the Company continuously improves its green finance management systems,strengthens the management of raised funds and their allocation, and further enhances its professionalcapability in green financing.

绿色融资管理Green financing management

开展绿色融资

Green financing

议题 / Topic

02 资金管理

Fund management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。The Company has established a special ledger to record the initialinvestments, subsequent fund inflow and reinvestments of green leasingprojects.

01 投向管理

Investment management公司严格对照《绿色债券支持项目目录》，对租赁项目初步筛选后交由专业第三方绿评机构进行审核，确认符合绿色债券投放范围后进行资金投放。资金投放后，公司通过绿色金融债券管理驾驶舱对存续期绿色债券等相关项目的募集资金实时进行监督核查，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 leasing projects.After a preliminary screening, projects are reviewed by a professional third-party green rating agency to ensure theircompliance with the scope of green bond investments before funds are invested. Once the funds are invested, theCompany closely monitors and verifies the use of the funds raised through green bond issuances during the duration ofthe bonds via the green financial bond management cockpit, in accordance with regulatory requirements, to ensure thatthe funds are indeed being used to support green development.与金融机构展开合作Collaborate with financialinstitutions

探索创新型融资方式Exploring innovativefinancing methods绿色融资渠道Green financingchannels

Chapter III 心怀绿意守护生态环境江苏金租｜111110｜

期亿累计发行Cumulative issuance

累计募集资金Accumulated raised funds

绿色融资实践Green financing practice

01 发行绿色金融债券

Issuing green financial bonds

公司自2019年起开始发行绿色金融债券，截止2024年末，累计发行6期绿色金融债券共计65亿元，募集资金全部用于《绿色债券支持项目目录(2021年版)》规定的绿色产业项目。具体明细如下：

Since 2019, the Company has been issuing green financial bonds. By the end of 2024, it had issued six seriesof green financial bonds totaling 6.5 billion RMB, with all raised funds used for green industrial projects asstipulated in the “Catalogue of Green Bond Endorsed Projects (2021 Edition).” The details are as follows:

发行时间Issuing date

债券名称Bond name

发行规模Scale (RMB)

发行利率Interest rate (%)

期限Term (year)2019/4/11

19江苏租赁绿债0119 JFL green bond 01

5亿500 million

3.703

2019/4/11

19江苏租赁绿债0219 JFL green bond 02

5亿500 million

4.128

2020/3/6

20江苏租赁绿债0120 JFL green bond 01

10亿1 billion

3.053

2023/11/7

23江苏租赁绿债0123 JFL green bond 01

15亿

1.5 billion

2.803

2024/1/18

24江苏租赁绿债0124 JFL green bond 01

15亿

1.5 billion

2.763

2024/3/7

24江苏租赁绿债0224 JFL green bond 02

15亿

1.5 billion

2.503

累计金额Total amount

65亿

6.5 billion

2019年发行的绿色金融债券，是国内租赁行业首单通过国内及国际双重绿色认证的金融债券产品，获得了气候债券倡议组织的认可，吸引了国内外投资机构的积极认购，对国内绿色产业项目的融资起到了良好的示范作用，具有突破意义。The green financial bonds issued in 2019 were the first in the domesticleasing industry to obtain both domestic and international dual greencertifications. Recognized by the Climate Bonds Initiative, these bondsattracted active subscriptions from domestic and international investmentinstitutions and served as a good demonstration for financing domesticgreen industrial projects, marking a breakthrough.2023年发行的绿色金融债券，获得了2023年度中国租赁业资本市场创新融资“金泉奖”?“绿色低碳创新融资奖”。The green financial bonds issued in 2023 were granted the China’s leasingindustry capital market innovation financing “Jinquan Award” for green low-carbon innovative financing in 2023.

02 发行绿色资产证券化项目

Issuing green asset securitization projects截至2024年末，公司累计发行了13.9亿元绿色租赁资产证券化项目，是金租行业首家发行绿色租赁资产证券化项目的公司。By the end of 2024, the Company had issued green leasing assetsecuritization projects totaling 1.39 billion RMB, making it the first Companyin the leasing industry to do so.公司绿色租赁资产证券化项目是入池资产及资金投向均为绿色项目的“双绿”产品。The Company’s green leasing asset securitization projects are “dual-green”products, with both the pooled assets and the allocation of funds beingdirected toward green projects.

公司获得“资产证券化?介甫奖”之“绿色金融资产证券化优秀示范产品奖”和“优秀ABS发起人”两大奖项。The Company received the “OutstandingDemonstration Product Award in GreenFinancial Asset Securitization” and the“Outstanding ABS Sponsor” award of the“Asset Securitization ? Jiefu Award”.

Chapter III 心怀绿意守护生态环境江苏金租｜113112｜

03 开展绿色贷款业务

Conducting green loan business

( 2 ) 绿色银团贷款Green syndicate loans截至2024年末，国际金融公司（IFC）与公司合作落地了5亿元人民币及1.4亿美元的绿色银团项目，资金全部用于为中小企业提供符合标准的绿色租赁服务。By the end of 2024, in cooperation with the International Finance Corporation (IFC),the Company successfully implemented a green syndicate project of 500 million RMBand 140 million US dollars, with all funds used to provide standardized green leasingservices for small and micro enterprises.( 3 ) ESG银团贷款ESG syndicate loans:

2024年，公司成功与交通银行东京分行、澳门分行签署了ESG银团贷款项目，融入3年期跨境人民币资金15亿元，是国内金租行业首单跨境ESG银团贷款项目。本项目通过可持续挂钩贷款方式进行融资，是公司绿色融资方式的一大创新。贷款存续期间，贷款利率与ESG方面的表现相挂钩：公司从环境、社会和治理三个维度分别遴选出关键绩效指标(KPI)，在公司完成全部设定目标的情况下，贷款利率将有一定程度的下降。In 2024, the Company successfully signed an ESG syndicate loan project with theTokyo and Macau branches of Bank of Communications, raising 3-year cross-border funds of 1.5 billion RMB. This was the first cross-border ESG syndicateloan project in the domestic leasing industry. Financed through a sustainable-linked loan approach, this project represents a major innovation in the Company’sgreen financing methods. During the loan term, the interest rate is linked to ESGperformance: if the Company meets all set targets across environmental, social,and governance dimensions, the interest rate will decrease accordingly.

( 1 ) 绿色贷款Green loans2023年，公司成功落地了与三井住友银行开展的绿色贷款业务，金额3亿元人民币，该贷款是公司首笔由中诚信绿色评估委员会审定的绿色贷款，丰富了公司绿色融资渠道。In 2023, the Company successfully implemented a green loan agreement with Sumitomo Mitsui Banking Corporation for300 million yuan. This loan marks the Company's first green loan certified by the CCXGF Green Evaluation Committee,diversifying the Company's financing channels.2024年，公司成功落地了与华侨银行开展的绿色贷款业务，金额2.2亿元人民币，该笔贷款专门用于公司可再生能源发电的融资租赁项目，用以支持可再生能源发电替代传统化石能源燃烧发电，减少二氧化碳和大气污染物排放，进而达到节能减排、改善区域水体质量、优化能源结构、保护项目所在区域大气环境等多方面的环境效益。In 2024, the Company successfully implemented a green loan business in cooperation with OCBC Bank, with an amountof 220 million RMB. This loan was specifically used for financing leasing projects in renewable energy power generation,supporting the substitution of traditional fossil fuel power generation, reducing carbon dioxide and air pollutantemissions, and thereby achieving multiple environmental benefits such as energy conservation, emission reduction,improved regional water quality, optimized energy structure, and protection of the local atmospheric environment.2025年，公司将进一步探索新的绿色融资渠道。目前，公司正在与国际金融公司（IFC）积极推进不超过等值5亿美元、期限不超过3年的高级银团蓝色及绿色贷款融资方案，以支持公司进一步扩大符合国际标准的蓝色和绿色租赁业务。In 2025, the Company will further explore new green financing channels. Currently, it is actively advancing a seniorsyndicate blue and green loan financing plan with the International Finance Corporation (IFC) for an amount notexceeding the equivalent of 500 million USD, with a term not exceeding 3 years, to support the further expansion of blueand green leasing businesses that meet international standards.

Chapter III 心怀绿意守护生态环境江苏金租｜115114｜

公司将践行绿色办公理念融入日常运营的每一处细节，号召以点滴行动汇聚成推动可持续发展的重要力量。The Company integrates the concept of green oce into every detail of its daily operations, advocating thatsmall actions collectively contribute to sustainable development.为提升能源利用效率，公司构建起全面且科学的能源管理体系，有效把控能源流向。引入前沿节能技术，提升能源转化效率，让每一份能源都发挥最大效能。同时，大力推动资源循环利用，优化能源回收机制，全方位助力低碳发展。To improve energy utilization eciency, the Company has established a comprehensive and scientific energymanagement system to eectively control energy flows. It introduces cutting-edge energy-saving technologiesto enhance energy conversion eciency, ensuring that utilization of all energy is maximized. Simultaneously,it vigorously promotes resource recycling and optimizes energy recovery mechanisms, comprehensivelysupporting low-carbon development.

公司利用前沿技术与创新理念，全力打造覆盖业务全流程的“无纸化+数字化”绿色服务链，驱动低碳转型Utilizing cutting-edge technologies and innovativeconcepts, the Company has built a “paperless+ digital” green service chain covering theentire business process, driving low-carbontransformation.

棵

年均减少纸张消耗

Reduce paper consumption

annually

保护成年树木

Protecting adult trees

相当于

equivalent to

智慧业务运营Intelligent businessoperations

覆盖内部流程

Covering internal processes

减少商务差旅碳排放超

Reduce excessive carbon

emissions from business travel

远程协作效率提升

Improving remote

collaboration eciency

高效能源利用

E?cient energy utilization

议题 / Topic

Hi乐租HiLeasing智管万物Smart IoTManager智慧商旅

融乐租FinancialLeasing库乐租InventoryLeasing数乐租DataLeasing车乐租VehicleLeasing苏乐租

SuLeasing提乐租E-?leExtractor掌乐租MobileLeasing

经销商

销售人员

经销商融资专员

经销商库融专员

经销商管理层

乘用车销售专员

终端客户企业客户财务人员

公司客户经理

公司客差旅管理

公司资管专员

依托自主研发的“乐租”APP，实现线上报单、智能审批、电子签约等一站式服务，年均减少纸张消耗34吨，相当于保护500棵成年树木。Based on its self-developed “LeLeasing” APP, the Company provides one-stopservices including online order submission, intelligent approval, and electronicsigning, reducing annual paper consumption by 34 tons—equivalent to saving 500mature trees.

云端协同办公Cloud-based collaborative oce

全流程电子签约Full-process electronic signing

搭建智能化OA系统，覆盖95%内部流程，推动远程协作效率提升30%，年减少商务差旅碳排放超200吨。By establishing an intelligent OA system that covers 95% of internal processes,the Company has increased remote collaboration eciency by 30% and reducedbusiness travel carbon emissions by over 200 tons annually.

无纸化Paperless

数字化Digital

驱动低碳转型driving low-carbontransformation

Chapter III 心怀绿意守护生态环境江苏金租｜117116｜

绿色办公体系Green oce system

公司打造了立体化的绿色办公体系，构建零碳示范空间。The Company has developed a three-dimensional green oce system, creating a zero-carbon demonstrationspace.

01 智慧能源管理：打造“光-储-控”一体化解决方案

Intelligent energy management: Developing an integrated “PV-storage-control” solution

( 1 ) 清洁电力应用Clean power applications办公楼顶部署10kW分布式光伏电站，年发电量9800度，减排CO

吨（相当于燃油车绕地球1圈的CO

排放量），配套储能系统实现峰谷调节。A 10 kW distributed PV power station was deployed on the officebuilding roof, generating 9,800 kWh annually, reducing CO

emissions by 5 tons (equivalent to the CO

emissions of a fuelvehicle circling the earth once), with a supporting energy storagesystem for peak-valley regulation.

9,800

2,100

吨

度

%减少二氧化碳排放Reduce carbon dioxideemissions

减少二氧化碳排放Reduce carbon dioxide emissions

减少二氧化碳排放Reduce carbon dioxideemissions

年发电量Annual energy output

每年节约用电Save electricity every year

能耗降低Energy consumptionreduction

( 2 ) 智能节能系统Intelligent energy-saving system

采用高效离心机组，提升能源转化效率，相比于传统设备年减碳约800吨。High-eciency centrifugal units are used to enhance energy conversion eciency,reducing annual carbon emissions by approximately 800 tons compared totraditional equipment.

照明系统选用高效节能灯具，依据自然光线变化智能调节亮度，极大降低电能消耗，年节电2100度，减排1吨；The lighting system uses high-eciency energy-saving lamps that automaticallyadjust brightness based on natural light changes, significantly reducing electricityconsumption, saving 2,100 kWh annually, and cutting CO

emissions by 1 ton;

节能电机+分时运行策略，能耗降低40%；Energy-saving motors and time-sharing operational strategies reduce energyconsumption by 40%;

会议室智能感控Smart Sensing and Control conference rooms

电梯群控优化Elevator group control optimization

区域集中供冷Regional centralized cooling:

Chapter III 心怀绿意守护生态环境江苏金租｜119118｜

02 循环经济实践：建立资源闭环生态

Circular economy practices: Establishing a closed-loop resource ecosystem

引入餐厨垃圾真空处理系统，实现100%厨余资源化利用，年减少垃圾填埋量超90吨。A vacuum treatment system for kitchen waste is introduced to achieve 100%resource utilization of kitchen waste, reducing landfill volume by over 90tons annually.

部署感应式龙头+节水洁具，用水效率提升30%；直饮水机减少瓶装水消耗超60万瓶/年。Sensor-based faucets and water-saving sanitary ware improve water usageefficiency by 30%; direct drinking water machines reduce bottled waterconsumption by over 600,000 bottles annually.

董事会、党委会等核心会议材料100%电子化；公司双面打印覆盖率提升至90%，配备云打印管理系统，运用智能算法精准识别打印量突增、文件格式异常、打印机故障等异常情况，并及时发出预警，有效减少纸张浪费。Core meeting materials such as Board of Directors meetings and Party committeemeetings are 100% digitalized; the Company’s double-sided printing coveragerate has increased to 90%. Equipped with a cloud printing management system,it uses intelligent algorithms to accurately detect sudden increases in printingvolume, abnormal file formats, or printer malfunctions, issuing timely warnings toeectively reduce paper waste.餐厨垃圾真空处理系统Vacuum treatment system for kitchen waste

( 1 ) 零废弃餐厅

Zero-waste restaurant

( 2 ) 智能物联节水Intelligent IoT-based water saving

( 3 ) 无纸化革命Paperless revolution

600,000

瓶%

减少垃圾填埋量Reduce landfill volume

每年减少瓶装水消耗超Reduce bottled water consumption annually厨余资源化利用Resource utilization of kitchen waste

用水效率提升Improving water eciency

会议材料电子化Electronic Conference Materials

Chapter III 心怀绿意守护生态环境江苏金租｜121120｜

全员低碳行动Company-wide low-carbon actions

公司倡导绿色生活文化，聚焦用水、用电、用餐、用纸、出行等五大办公场景，向全体员工发出“爱惜一滴水、节约一度电、珍惜一粒粮、节省一页纸、践行低碳一公里”等“五个一”节能减碳倡议，倡导全体员工积极参与，形成绿色办公的良好氛围。The Company advocates a culture of green living,focusing on five key office scenarios—water usage,electricity usage, dining, paper usage, and travel—and has issued five energy-saving and carbonreduction initiatives: “Cherish every drop of water,save every kilowatt-hour of electricity, treasure everygrain of rice, conserve every sheet of paper, andpractice 1km low-carbon travel,” encouraging allemployees to actively participate and fostering apositive green oce atmosphere.

公司推行绿色出行激励机制，构建“步数排行”积分奖励体系，将步行通勤等绿色行为量化为可兑换权益，切实提升员工绿色出行意识和参与度。The Company has implemented a green travel incentive mechanism, establishing a “step count ranking” pointsreward system that converts green behaviors such as walking to work into redeemable benefits, effectivelyenhancing employees’ awareness of and participation in green travel.

03 生态化办公场景：人与环境共生

Ecological oce scenarios: Coexistence of peopleand the environment

(2 ) 视频会议全覆盖Full-coverage video conferencing

建成4K超清远程会议系统，替代30%线下会议，年减少差旅碳排放约150吨。A 4K ultra-high definition remote meeting system decreases 30% of oinemeetings, reducing annual travel carbon emissions by approximately 150tons.

( 3 ) 绿色会务服务Green conference services在会务接待中全面采用可循环消毒餐具及陶瓷杯，替代传统一次性用品。公司年均接待9624人次，预计可减少使用一次性餐具和杯具19284件，年减少塑料及纸质垃圾约0.5吨。In conference reception, the Company fully adopts recyclable disinfectedtableware and ceramic cups to replace traditional disposable products.Annually, by hosting 9,624 visitors, it is estimated to reduce the use ofdisposable tableware and cups by 19,284 pieces and cut plastic and paperwaste by approximately 0.5 tons.

( 1 ) 碳汇工位计划Carbon sink workstation plan通过主题式分区布局设计，升级四季常绿与花卉植物组合配置，提升固碳与净化空气的效果；布局1500+盆绿植，年固碳1.65吨，PM2.5过滤效率提升20%。Through themed zoning design and upgrading with a combination ofevergreen and flowering plants, the Company enhances carbon fixation andair purification eects; with over 1,500 potted plants deployed, it achievesan annual carbon fixation of 1.65 tons and a 20% improvement in PM2.5filtration eciency.

绿色生活五大办公场景Green livingFive major ocescenarios

用水use water

用餐have meals

出行Travel

用电use electricity

用纸use paper

Chapter IV 共享共赢建设和谐社会江苏金租｜123122｜

共享共赢建设和谐社会

Shared Success – Building aHarmonious Society

Chapter

Chapter IV 共享共赢建设和谐社会江苏金租｜125124｜

公司充分发挥金融租赁业务的独特优势，积极整合产业与金融资源，与合作伙伴携手构建互利共赢的良好局面。The Company fully leverages the unique advantages of its financial leasing business, actively integratesindustrial and financial resources, and works with partners to build a mutually beneficial win-win situation.

与厂商紧密协作，共促多方发展Working closely with vendors to promote mutualdevelopment

公司与各行业领先的设备制造商、经销商深度合作，将厂商租赁模式作为核心展业方式之一。通过“厂商租赁”模式，形成了企业、厂商与公司三方共赢的良好局面。The Company deeply cooperates with leading equipment vendors and dealers across various industries, usingthe vendor leasing model as one of its core business approaches. Through the “vendor leasing” model, a win-win situation among enterprises, vendors, and the Company has been achieved.

基于多年产业深耕经验与国际先进融资租赁理念，公司精准对接企业设备购置需求，为企业采购先进设备、引入新技术提供全方位资金支持。通过量身定制灵活还款方案，有效解决企业设备采购与技术升级的资金难题，助力企业高质量发展。Based on years of deep industry experience and internationally advanced financing leasing concepts, theCompany precisely aligns with enterprises’ equipment procurement needs, providing comprehensive financialsupport for purchasing advanced equipment and introducing new technologies. By customizing flexiblerepayment plans, it effectively resolves the funding challenges for equipment procurement and technologyupgrading, thereby supporting high-quality enterprise development.

01 支持企业成长Supporting enterprise growth

促进销售Sales promotion加速循环Accelerated cycle

控制风险Risk control分担成本Cost sharing

设备采购Equipment procurement

技术升级Technology upgrade

贡献业绩Performance contributions

扩大影响Expanded influence

企业Enterprises

业绩提升Performance improvement

合作创新Collaboration for innovation

授信增加Credit expansion成本降低Cost reduction

金融伙伴

Financial partners

厂商Manufacturers

合作共赢Win-win cooperation

议题 / Topic

Chapter IV 共享共赢建设和谐社会江苏金租｜127126｜

典型案例Case study

多年来，公司合作的厂商经销商数量持续增长，从2017年的227家攀升至2024年的近6000家。Over the years, the number of vendors and dealerscooperating with the Company has continuously increased,rising from 227 in 2017 to nearly 6,000 in 2024.

KOMORI小森成立于1923年，是全球印刷机械行业的领军企业，小森凭借其卓越的精密加工技术、创新的印刷软件技术以及对品质的极致追求，在印刷机的自动化与精细化技术领域，始终位居全球行业前沿。KOMORI, established in 1923, is a leading enterprise in the global printing machineryindustry. Leveraging its outstanding precision machining technology, innovativeprinting software, and relentless pursuit of quality, KOMORI has consistently beenat the forefront of automation and precision technology in printing machineryworldwide.江苏金租自2003年与小森公司开展战略合作以来，在印刷设备领域持续为客户提供优质的产品和金融服务。二十多年来，双方共克难关、共同成长，共同见证着数万家中国印刷企业由小变大、由大变强。面向未来，双方将继续深化在环保印刷、数字印刷和可持续发展等方面的合作，共同书写中国印刷行业的多彩篇章。Since 2003, JFL has engaged in strategic cooperation with KOMORI, continuouslyproviding high-quality products and financial services in the printing equipmentfield. Over the past 20 years, the two companies have overcome challenges andgrown together, witnessing tens of thousands of Chinese printing enterprisestransform from small to large and from large to strong. Looking ahead, they willcontinue to deepen cooperation in areas such as green printing, digital printing,and sustainable development, jointly writing a vibrant new chapter in the Chineseprinting industry.

江苏金租赴日本访问小森公司JFL visits KOMORI in Japan

600050004000300020001000

20172020202320182021202420192022

1172

2358

3613

5847厂商经销商数量Number of manufacturers and distributors

年份Year

江苏金租与厂商合作的标准化产品Standardized products that JFL develops in collaborationwith manufacturers

企业购置能力的增强直接转化为对厂商设备的强劲需求，不仅让厂商的库存得以快速消化，也促使厂商推出更多贴合市场需求的新型设备。同时，“租赁物+承租人+厂商”三位一体风险管理体系，也有利于厂商控制风险，实现稳健经营。Enhanced enterprise purchasing capabilities directlytranslate into strong demand for vendors’ equipment, notonly enabling rapid inventory turnover for vendors but alsoprompting them to launch new equipment that meets marketdemands. Moreover, the integrated risk management systemof “leased asset + lessee + vendor” helps vendors controlrisks and achieve steady operation.

02 助力厂商发展Assisting vendor development

最佳效益Optimalbene?ts

优质客户Quality customers

优质产品Qualityproducts

优质销售网络Quality salesnetworks优质厂商Qualitymanufacturers

厂商合作良性循环A virtuous cycleof manufacturercooperation

Chapter IV 共享共赢建设和谐社会江苏金租｜129128｜

作为一家持牌非银行金融机构，公司以稳健的业绩、良好的社会信誉和AAA级主体评级为基础，与国内外众多银行、证券、保险等金融机构建立了长期稳定的合作伙伴关系，获得充足的授信额度和较低的融资成本。这促进了金融资源的合理配置，实现了“公司＋企业＋融资伙伴”的共同发展。As a licensed non-bank financial institution, the Company,based on its stable performance, strong social reputation,and AAA-rated credit rating, has established long-termand stable partnerships with numerous domestic andinternational banks, securities companies, insurancecompanies, and other financial institutions, securing amplecredit lines and low financing costs. This has promoted therational allocation of financial resources and achieved thejoint development of “the Company + enterprises + financingpartners.”

携手融资伙伴，实现共赢成长Joining hands with financing partners to achievewin-win growth

共同发展commondevelopment

公司Company

企业Enterprises

融资伙伴Financing

partners

多元化融资渠道

Diversi?ed?nancingchannels

可转换公司债券Convertible corporate bonds已发行50亿元50 billion RMB issued

直接融资Direct financing

间接融资Indirect financing

资金市场Money market资本市场Capital market

支持企业融资Supporting enterprise financing公司综合运用多元化的融资手段，从源头上降低融资成本，切实缓解中小微企业融资难、融资贵问题。The Company comprehensively utilizes diversified financing methods to reduce financing costs from the source,eectively alleviating the diculties and high costs of financing for small and micro enterprises.

与融资伙伴共同发展Growing together with financing partners凭借专业的业务能力与广泛的客户资源，公司为融资伙伴带来了营收增长，双方在合作中共享资源、优势互补，共同发展。With its professional business capabilities and extensive client resources, the Company has brought revenuegrowth to its financing partners. They share resources and complement each other’s strengths, achieving jointdevelopment.

金融债券Financial bonds资产证券化Asset-backed securities

同业借款Interbank loans

内保内贷Internal guarantees and loans

流动资金贷款Working capital loans保险资管资金引入计划Insurance asset management funding plans

……

Chapter IV 共享共赢建设和谐社会江苏金租｜131130｜

部分合作金融伙伴Some financial partners

政策性银行

国有银行

全国性股份制银行

城市商业银行

农村商业银行

外资金融机构

Chapter IV 共享共赢建设和谐社会江苏金租｜133132｜

2024年，公司坚持“以人为本”理念，不断完善消保体制机制，切实有效保护金融消费者合法权益，努力做到“服务更用心”。In 2024, the Company adhered to a “people-oriented” philosophy, continuouslyimproving its consumer protection systems and mechanisms to effectivelysafeguard the legitimate rights and interests of financial consumers, striving to“serve with greater dedication.”公司通过官网向社会和消费者公示投诉渠道，客户可通过客服电话、微信公众号、专业APP等渠道向公司反映消费者权益保护问题。The Company publicly discloses its complaint channels on its official website,allowing clients to report consumer protection issues via client service hotlines,WeChat ocial accounts, and dedicated apps.

客服电话Client service hotline025-86816908

江苏金融租赁发布JFL Releases

微信公众号WeChat ocial account

线上APPOnline APP苏乐租App智能客服SuLeasing App IntelligentClient Service

持续优化组织架构Continuously optimizing organizational structure

公司适应零售转型需要，从组织、制度和执行多维度同时发力，继续优化消保工作，升级客户服务品质。In response to the needs of retail transformation, the Company is advancing simultaneously in organizationalstructure, systems, and execution, continuing to optimize consumer protection eorts and upgrade client servicequality.

01 优化组织保障Optimizing organizational guarantees

董事会在公司战略上明确消费者保护的蓝图；The Board of Directors has clearly outlined a blueprint forconsumer protection in the Company’s strategy;

风险管理与消费者权益保护专门委员会强化消保中心管理；The Committee of Risk Management and Consumer Rights &Interests Protection has strengthened the management of theConsumer Protection Center;

消保中心落实消费者权益保护职责，不断优化公司产品设计、业务流程、客户投诉等工作。The Consumer Protection Center fulfills its responsibilities forsafeguarding consumer rights, continuously optimizing productdesign, business processes, customer complaint handling, andrelated work.

消费者权益保护

Protect rights and interests ofconsumers

议题 / Topic

消保中心Consumer Protection

Center

董事会Board of DirectorsGeneral Meeting

风险管理与消费者权益保护委员会Committee of RiskManagement andConsumer Rights &Interests Protection

Chapter IV 共享共赢建设和谐社会江苏金租｜135134｜

02 加强人员配备Strengthening stang

03 提升服务理念Enhancing service philosophy

2024年，公司引入具备法律职业资格证书的专业人员2名，目前超过半数人员具有5年以上工作经验。In 2024, the Company introduced 2 professionals with legal qualifications, and currently, over half of its sta have morethan 5 years of work experience.

提升客户服务enhancing clientservice

升级品牌形象 upgrading brand image

加深客户信赖deepening clienttrust

赋能业务发展empoweringbusiness development

积极完善制度规范Actively improving institutional norms

2024年修订发布《消费者权益保护管理办法》《厂商经销商管理办法》等系列制度：

In 2024, the Company revised and issued a series of systems including the “Management Measures forthe Protection of Consumers' Rights and Interests” and “Vendor and Dealer Management Measures”:

面向厂商经销商开展“消费者权益保护”培训会议Figure: “Protection of consumers' rights and interests” training meeting for vendors and dealers

良性循环virtuous circle

加强消费者合法权益保护力度，要求业务部门以客户诉求为中心，持续优化业务产品、流程；各相关部门应协同配合，高效解决客户诉求。Strengthening the protection of consumers’legitimate rights and interests. The Companyrequires business departments to focus onclient demands and continuously optimizebusiness products and processes; all relevantdepartments should coordinate eciently toresolve client issues.

强化厂商经销商消保要求，实行“全面管理原则”，将消费者权益保护等内容纳入厂商经销商管理体系，让金融消费者合法权益更多一层保障。Enhancing consumer protection requirementsfor vendors and dealers. The Companyimplements a “comprehensive managementprinciple,” incorporates protection ofconsumers' rights and interests into thevendors and dealers management system toprovide extra protection for the legal rights offinancial consumers.

Chapter IV 共享共赢建设和谐社会江苏金租｜137136｜

不断提升执行质效Continuously enhancing execution eciency

2024年，消保中心强调全程服务，业务部门冲在一线，风控、法律、信息等各相关部门发挥专业优势，做到响应有速度、服务有温度。In 2024, the Consumer Protection Center emphasized full-process service. Business departments took thelead on the front line, while related departments such as risk management, legal, and IT leveraged theirprofessional expertise to ensure swift responses and warm service.

消保中心复盘会议Figure: Consumer Protection Center’s review meeting

线上+线下两端做好服务，坚持全程跟踪，做到处理及时、痕迹可查、总结复盘，客户诉求处理率100%。The Consumer Protection Center provided full-process servicethrough both online and offline channels, ensuring continuousfollow-up, timely resolution, traceability, and thorough review, witha 100% client complaint handling rate.

消保中心全程服务The Consumer Protection Center provided full-process service

业务部门一线服务客户Business department serving clients on the front line

消保工作联席会议

Joint meeting on consumer protection

业务部门做好客户服务第一道关，耐心细致为客户答疑解惑、定制方案。They serve as the first checkpoint for client service, patiently addressing inquiries and providing customizedsolutions.

消保中心牵头协调各部门，发挥其风控、司法、信息等专业优势，努力做到“想客户之所想”“急客户之所急”。The Consumer Protection Center leads the coordination among various departments, leveraging their expertisein risk management, legal, and IT to ensure they “think what clients think” and “respond to clients’ urgent needs.”

业务部门冲在一线Business departments on the front line

相关部门各展所长Relevant departments demonstrate their strengths

客户诉求处理率client complainthandling rate

Chapter IV 共享共赢建设和谐社会江苏金租｜139138｜

提档提优消保服务Upgrading and enhancing consumer protectionservices

01 升级智能客服Upgrading intelligent client service

公司自主研发客服中心系统并持续优化升级。The Company independently developed its client service center system and continuously optimizes andupgrades it.

精准定位客户诉求，匹配最优客服答疑Precisely identifying client needs andmatching the optimal client serviceresponse.

精准分析客户画像，快速定位解决方案Accurately analyzing client profilesand quickly pinpointing solutions.

及时为客户发送还款提醒Timely sending repayment remindersto clients.

实时监测服务流程，为持续优化服务提供有力依据Real-time monitoring of service processes,providing strong evidence for continuouslyoptimizing service.

实现“T+0”实时响应，一键转接电话、秒级短信回复、专人定制服务…，不断刷新客服的响应度、及时度和好评度。“T+0” real-time response, one-click calltransfer, second-level SMS reply, anddedicated customized services continuouslyenhance client service responsiveness,timeliness, and positive feedback.

语音智能分拣Voice intelligent sorting

智能语音识别Intelligent speech recognition

“T+0”实时响应real-time response

智能外呼功能Intelligent outbound call function

多维数据分析Multidimensional data analysis

2024年，电话接听量61241通,召开228次客服工作复盘会，客户诉求解决率

99.91%。

In 2024, 61,241 calls were received, 228 client service review meetings wereheld, and the client issue resolution rate was 99.91%.

智能客户系统Intelligent client system

61,241

99.91

通

次

电话接听量calls were received

客服工作复盘会client service review meetingswere held

诉求解决率client issue resolution rate was

升级智能客服intelligent clientservice

2024年，公司通过新闻媒体、抖音、微信公众号等渠道，发布关于“消保案例”“防范虚拟币骗局”等主题海报、科普长图及相关案例，传递消保“温暖、贴心”理念。In 2024, through channels such as news media, Douyin, and WeChat ocialaccounts, the Company released themed posters, educational infographics,and related case studies on topics such as “consumer protection cases” and“preventing virtual currency scams,” conveying the “warm and thoughtful”concept of consumer protection.

02 强化宣传教育Strengthening publicity and education

Chapter IV 共享共赢建设和谐社会江苏金租｜141140｜

投资者关系管理Investor relations management

公司始终将维护投资者利益置于核心地位，致力于构建多元化的沟通桥梁，确保与投资者之间的紧密联系与高效互动。The Company always places the protection of investors' interests at its core and is committed to buildingdiversified communication bridges to ensure close contact and ecient interaction with investors.

现场业绩说明会直播实录Live recording of an on-site performance brie?ng

为增进透明度与信任，公司定期举办业绩说明，策划反向路演活动，并积极参与券商策略研讨会，以开放的姿态迎接投资者实地调研，对投资者来电给予迅速且专业的回应。To enhance transparency and trust, the Company regularly holds performance briefings, organizes reverseroadshows, and actively participates in securities firm strategy seminars, welcoming on-site investor visits withan open attitude and responding to investor calls swiftly and professionally.

投资回报Investment return

议题 / Topic

公司也不断探索创新投资者关系管理模式，通过可视化业绩展示等前沿手段，持续优化信息传递效率与质量。充分利用微信生态的强大连接力与精准触达优势，及时回应投资者重要关切，加深投资者对公司投资价值的理解和认同。The Company is also constantly exploring innovative investor relationsmanagement models, Through cutting-edge means such as visualizedperformance displays, continuously optimizing the efficiency and quality ofinformation transmission.Fully leveraging the strong connectivity and precise reachof the WeChat ecosystem to respond to important investor concerns in a timelymanner, deepening investors' understanding and recognition of the Company'sinvestment value.

2024年“百舸争流奋楫者先”投资者开放日2024 “Pioneers Lead in the Fierce Competition” Investor Open Day

2024年报速览Overview of the 2024 Annual Report

13425个场回复E互动问题Replied questions on the

E-interaction platform

接待投资者调研Received investors’ research

场机构策略会Organization strategy meetings

3900

+场场业绩说明会performance briefings

2024年投资者活动覆盖机构In 2024, investor activitiescovered over institutions

45437次场接听投资者电话咨询Answered investors’ telephone

enquiries

投资者、分析师电话会Telephone conferences with

investors and analysts

141000

+场场反向路演活动Reverse roadshows

参与人次with more than participants

In 2024

Chapter IV 共享共赢建设和谐社会江苏金租｜143142｜

2018年公司上市以来，严格遵循证监会及上交所的各项规定，并主动参考港交所的信息披露要求，持续优化信息披露质量。Since its listing in 2018, the Company has strictlyadhered to the regulations of the China SecuritiesRegulatory Commission and the Shanghai StockExchange, and has proactively referenced thedisclosure requirements of the Hong Kong StockExchange, continuously optimizing the quality of itsinformation disclosure.

公司建立了一套贯穿信息披露全流程的制度体系。从信息披露管理流程、定期报告编制，到临时公告流程、内幕信息管控等关键环节，均有章可循。The Company has established a set of institutional systems covering the entire information disclosure process.From the management process of information disclosure, preparation of periodic reports, to the process ofinterim announcements and control of insider information, there are established guidelines for every key link.

透明的信息披露Transparent information disclosure

01 构建全面制度体系Building a comprehensive institutional system

《信息披露管理制度》Information Disclosure

Management Rules

《重大信息内部报告管理办法》Internal Reporting ManagementMeasures for Major Information

《定期报告编制规程》Procedures for the Preparation of

Periodic Reports

《临时公告信息采集工作规程》Work Procedures for Collecting InterimAnnouncement Information

核心制度Core systems

沪市上市公司2023-2024 年度信息披露评价：

Shanghai Listed Companies2023-2024 Information Disclosureevaluation:

Grade A

监事会Board ofSupervisors

董事会办公室Oce of the

Board ofDirectors

董事会Board ofDirectors

董事会秘书Secretary ofthe Board ofDirectors

履行监督职责Fulfills supervisory duties

信息披露的直接责任人Directly responsible for information disclosure

信息披露事务的日常执行部门The daily execution department for information disclosure matters

公司信息披露的最高责任主体

董事长为第一责任人The highest body responsible for the Company'sinformation disclosure; the chairman is the

primary responsible person

公司搭建了“董事会、监事会、管理层、执行部门”协同运作的多层级信息披露管理架构。The Company has established a multilevel information disclosuremanagement framework with coordinated operation among the"Board of Directors, Supervisory Board, Management, and ExecutionDepartments."

02 完善多层级治理架构Improving a multilevel governance structure

2024年，公司积极履行信息披露义务，全年共披露118则公告及文件，全面涵盖财务报告、对外担保、关联交易、股权激励、成立子公司等重大事项，向投资者与市场及时、准确地传递公司运营动态与发展情况，有力维护了市场的透明度与投资者的知情权。In 2024, the Company actively fulfilled its information disclosure obligations, releasing a total of 118announcements and documents throughout the year that comprehensively covered significant matters such asfinancial reports, external guarantees, related party transactions, equity incentive plans, and the establishmentof subsidiaries, thereby conveying the Company’s operational dynamics and development status to investorsand the market in a timely and accurate manner, and effectively safeguarding market transparency andinvestors’ right to know.

03 积极践行信息披露Active information disclosure

Chapter IV 共享共赢建设和谐社会江苏金租｜145144｜

公司自成立以来，始终秉持稳健经营、持续发展的理念，致力于为股东创造长期价值。在经营业绩稳健增长的同时，公司以现金分红方式积极回报股东，与股东共享成长红利。Since its inception, the Company has always adhered to theprinciples of steady operation and sustainable development,committed to creating long-term value for its shareholders. Alongwith stable growth in operational performance, the Companyactively returns cash dividends to shareholders, sharing the growthdividends with them.

稳定的分红方案Stable dividend policy

2023201920222018202120172020

3.58

5.97

7.17

8.96

10.45

10.61

13.98

员工

Employees

议题 / Topic

公司高度重视职工代表大会体制机制的建设，将其视为保障员工民主管理权利、促进企业和谐发展的重要途径。公司制订了《职工代表大会工作规则》，明确职代会的职权范围和决策程序，切实保障员工在企业管理中的知情权、参与权、表达权和监督权。The Company attaches great importance to the construction of the employee congress system and mechanism,considering it an important means to safeguard employees’ democratic management rights and promoteharmonious enterprise development. The Company formulated the "Rules for the Employee Congress," clearlydefining the scope of authority and decision-making procedures of the congress, effectively safeguardingemployees’ rights to be informed, participate, express opinions, and supervise enterprise management.

实行民主管理Implement democratic management

2024年，公司共召开了三次职代会，围绕涉及员工切身利益的重大事项进行讨论研究。为员工提供了一个充分表达意见、参与公司决策的平台，使员工能够直接参与到关乎自身权益的事务中，增强了员工的归属感和责任感。In 2024, the Company held three meeting of the Congress of Workers and Staff to discuss major mattersaecting employees' interests, providing a platform for employees to fully express their opinions and participatein Company decision-making, thereby enhancing employees’ sense of belonging and responsibility.2024年，公司职工监事全力担当员工权益代表，深度参与公司重要事项。作为员工利益守护者，职工监事定期向职代会述职，接受监督评议。在公司事务里，职工监事始终以维护员工利益为核心，积极参与决策，推动公司治理结构持续优化。In 2024, the Company’s employee supervisors fully assumed their role as representatives of employee interests,deeply participating in important Company matters. As guardians of employee interests, employee supervisorsregularly reported to the Congress of Workers and Sta and underwent supervisory evaluations. In Companyaairs, they have always focused on protecting employee interests, actively participating in decision-making,and promoting continuous optimization of the Company’s governance structure.

2024年职工代表大会2024 Congress of Workers and Sta

分红总额Total dividend亿元 / In RMB 100 million

Chapter IV 共享共赢建设和谐社会江苏金租｜147146｜

保障员工权益Protecting employees’ rights and interests

公司严格遵守《中华人民共和国劳动法》《中华人民共和国劳动合同法》等法律法规，依法与员工签订劳动合同，建立劳动关系。同时，积极推进集体协商，签订集体合同，明确双方权利义务，保障员工合法权益，维护劳动关系的和谐稳定。The Company strictly complies with the "Labor Law of the People's Republic of China," the "Labor Contract Lawof the People's Republic of China," and other relevant laws and regulations, legally signing labor contracts withemployees and establishing labor relationships. Furthermore, it actively promotes collective bargaining, signingcollective contracts to clarify the rights and obligations of both parties, safeguarding employees’ legitimaterights and interests and maintaining harmonious and stable labor relations.

秉持公平公正原则，执行按劳分配和同工同酬政策，构建具有竞争力的薪酬体系。依法为员工足额缴纳社保与公积金，搭建 “基本养老保险 + 企业年金”双支柱养老保障体系，完善健康风险保障，涵盖年度体检、补充医疗保险和重大疾病保险。Adhering to the principles of fairness and justice, the Company implements the distribution of labor accordingto work performed and equal pay for equal work, and builds a competitive remuneration system. It legallypays full social security and housing funds for employees, establishing a dual-pillar pension security system of"basic pension insurance + enterprise annuity," and improves health risk protection, including annual physicalexaminations, supplementary medical insurance, and major disease insurance.

01 规范劳动用工管理Standardizing labor management

02 完善薪酬保障体系

Improving the remuneration protection system

支持员工发展Supporting employee development

01 激发员工价值Motivate employees to explore their own potential

推行竞争上岗与双向选择，实现人员、岗位灵活变动。2024年2月完成第十轮竞聘，选拔出的新一届中层管理团队更趋年轻化、高学历化，激发了团队活力。The Company implementing competitive hiring and mutual selection to enableflexible changes in personnel and positions. In February 2024, the 10th round ofcompetitive recruitment was completed, selecting a new, younger, and higher-level educated middle management team, which has stimulated team vitality.

公司每年度开展评奖评优工作，从业绩表现、创新能力、团队协作等多个维度进行综合考量，选拔出具备标杆意义的先进集体与个人。The Company conducts annual awards and recognition activities, comprehensivelyevaluating performance, innovation capability, teamwork, and other dimensions,selecting exemplary groups and individuals with benchmark significance.

遵循“市场导向、按劳付酬” 原则，董事会确定年度薪酬总额，按“双挂钩”机制分配。建立“MBA”岗薪体系，依年度绩效对员工岗薪进行动态调整，有效激发团队积极性。Following the principle of “market orientation and labor-based remuneration,”the Board of Directors determines the annual total remuneration and allocatesit according to the “dual-linkage” mechanism. An “MBA” remuneration systemis established to dynamically adjust employee salaries based on annualperformance, eectively stimulating team enthusiasm.

优化考核体系，结合定量与定性、部门与个人、过程与结果考核，季度与年度考核并行。通过绩效激励与诫勉谈话，提升员工与组织绩效。对关键岗位员工的绩效薪酬延期支付，确保公司稳健运营。The Company optimizes the evaluation system by integrating quantitative andqualitative assessments, departmental and individual evaluations, and processand outcome assessments, with quarterly and annual evaluations conductedconcurrently. Through performance incentives and admonition discussions, employeeand organizational performance is improved. For key positions, performance‐basedremuneration is deferred to ensure the Company’s steady operation.

竞聘双选机制Competitive recruitment anddual-selection mechanism

绩效考核机制

Performanceevaluation mechanism

薪酬动态调整机制Dynamic remunerationadjustment mechanism

评奖评优机制Award and recognitionmechanism

Chapter IV 共享共赢建设和谐社会江苏金租｜149148｜

公司以“一张人才发展地图，公司与部门两个实施层面，中高层管理人员、客户经理与新员工三类群体”为框架，着力构建“1+2+3”人才培养体系。2024年，共组织公司层面培训课程76门，员工覆盖率100%，着力提升员工能力，推动公司业务创新增长。Based on the framework of “one talent development map, twoimplementation levels (company-level and department-level), three targetgroups (middle and senior management, relationship managers, and newhires),” the Company is committed to building a “1+2+3” talent developmentsystem. In 2024, a total of 76 Company-level training courses wereorganized, achieving 100% employee coverage to enhance skills and driveinnovative business growth.

02 完善培训体系Improving the training system

门

公司层面培训课程Company level training courses

员工覆盖率Employee coverage rate

（1）“领航”中高层培训

"Navigation" middle and senior management training启动新一轮培训，邀请高校教授、行业专家就经济形势、领导力提升等内容授课，助力新一届中层管理者承接战略、推动创新。A new training cycle was launched, inviting university professors andindustry experts to address topics such as economic trends and leadershipenhancement, helping the new cohort of managers execute strategy andfoster innovation.

（3）“新航”新员工培训

"New voyage" new employee training

优化设计7类专题课程，配备带教指导，助力新员工快速融入公司，提升行业认知与业务技能。Seven specialized courses were redesigned and paired with mentoring,helping new hires quickly integrate into the company while boosting industryunderstanding and operational skills.

（2）“远航”客户经理培训

“Far voyage" client manager training完成第一轮三年期授课，强化业务开发与风险管控技能。针对组长与大项目业务人员开展专项培训，提升员工专业化能力。The first round of a three-year training program was completed, reinforcingskills in business development and risk management. Special sessions werealso held for team leaders and staff handling major projects to enhanceprofessional expertise.

聚焦员工多元需求，打造“温馨苏租”服务体系。Focusing on the diverse needs of employees, the Company has developed the "Warm JFL" service system.

关爱员工生活Caring for employee life

01 暖心苏租：全周期关怀传递温度

Warm JFL: Full-cycle care spreading warmth

创新“家庭日”品牌活动Innovative "Family Day" branded events已连续开展五季，累计服务800余组家庭，建立亲子互动平台；Held for five consecutive seasons, the events servedover 800 families in total and functioned as aplatform for parent-child interaction;

完善的硬件设施Comprehensive hardware facilities医疗室、健身房、图书馆、瑜伽室、音乐室。Medical rooms, gyms, libraries, yoga rooms, andmusic rooms.

开展妇女节特别活动Special Women's Day event2024年推出“如繁花盛开的她”主题活动，举办花艺疗愈、汉服体验等活动；In 2024, the event under the theme “She, asBlossoming Flowers” were held, featuring activitiessuch as floral therapy and Han Chinese costumeexperiences.

“四叶草?员工健康关爱计划”Four-Leaf Clover Employee Health Care Plan2024年围绕身心健康主题，开展主题沙龙、健康讲座等活动。年度健康体检覆盖率达100%，员工健康包配置至每个工位。In 2024, themed salons and health lectures wereorganized around physical and mental well-being.The annual health examination coverage reached100%, and health care packages were provided atevery workstation.

JFL

Chapter IV 共享共赢建设和谐社会江苏金租｜151150｜

03 安心苏租：健康安全筑牢发展基石ecure JFL: Health and safety as the cornerstone of development

以文体活动为载体，塑造积极向上的文化氛围。运营10个文体俱乐部，年均开展读书会、交友联谊等活动50余场，其中教师专场联谊促成百名青年互动。The Company shapes a positive and upward cultural atmosphere viacultural and sports activities.operating 10 cultural and sports clubs, hostingover 50 events annually such as book clubs and social gatherings, includingspecial teacher gatherings that foster interaction among hundreds of youngindividuals.

（1）持续十年打造“彩虹跑”IP

The "Rainbow Run" held continuously for ten years

2024年第十季吸引500+员工参与，十年累计参与超4000人次；In the tenth season in 2024, over 500 employees participated, with acumulative participation of over 4,000 times in ten years;

（2）联合央企举办“苏租讲坛”第五季

The 5th "JFL Forum" jointly held with central enterprises孵化青年演讲人才，覆盖金融、法律等领域。Nurturing young public speaking talent, covering fields such as finance and law.

02 开心苏租：多元文化激发组织活力

Happy JFL: Diverse cultures stimulating organizational vitality

4,000

人次

场

十年累计参与Accumulated participation overthe past decade

年均开展活动Carry out activities annually

构建三级健康防护体系Establishing a three-level health protection system

组织全员健康体检，配置AED急救设备及标准化医疗室；Organizing health examinations forall employees and equipping AEDemergency devices and standardizedmedical rooms;

推行“全员运动计划”，与专业文体场馆合作，每周固定时间向员工开放场地；每年度举办专业运动赛事；不定期组织徒步活动。Implementing an “All-Employee ExercisePlan” in cooperation with professionalsports venues, with fixed weekly access foremployees; organizing professional sportsevents annually; and periodically arranginghiking activities.

三级健康防护体系Three level healthprotection system

全员运动计划All-EmployeeExercise Plan

心理健康EAPpsychological health EAP

全员健康体检All sta? health

check ups

开发心理健康EAP项目，年度举办压力管理讲座6场，帮助员工有效释放心理压力。Developing a psychological health EAP project, holding 6stress management lectures annually to help employeeseectively release psychological stress.

Chapter IV 共享共赢建设和谐社会江苏金租｜153152｜

江苏金租始终秉持回馈社会的理念，积极投身于各类慈善公益活动。多年来，公司通过结对帮扶、消费扶贫、教育慈善、助残助弱等多元化公益活动，用实际行动诠释责任担当，未来也将持续为社会贡献金融向善的力量。JFL has always upheld its commitment to giving back to society and actively participates in a variety of charitableinitiatives. Over the years, through partnerships, consumer poverty alleviation, educational philanthropy, andsupport for the disadvantaged, the company has demonstrated its sense of responsibility and will continue toharness the power of finance for good.

消费扶贫Poverty alleviation via local product sales江苏金租始终将消费扶贫工作视为重要使命。2024年，公司聚焦内蒙古地区，深入开展消费扶贫行动，以实际举措助力当地农牧产业发展，支持内蒙古农牧产品销售411,019元。JFL has always regarded poverty alleviation via local product salesas an important mission. In 2024, focusing on the Inner Mongoliaregion, the Company carried out in-depth consumption povertyalleviation actions, taking practical measures to support the localagriculture and animal husbandry industries, and supporting thesales of agricultural and animal products in Inner Mongolia with atotal value of 411,019 RMB.

慈善一日捐One-day charitable donation秉承“乐善有恒，大爱无疆”理念，公司连续开展慈善一日捐活动近10年，已累计吸引超2000名员工参与，累计筹得善款超200,000元。我们相信“久久为功”，点滴之爱，也能汇聚成海。2024年，“慈善一日捐”吸引400+员工参与，筹得善款35923.95元，善款精准帮扶重病低保、孤残儿童等群体。Adhering to the concept that “enduring benefactions and boundless love,” theCompany has continuously held one-day charity donation events for nearly 10years, attracting over 2,000 employees in total and raising over 200,000 RMBin charitable funds. We believe that persistent efforts, even in small amounts,can accumulate into a sea of love. In 2024, the "One-Day Charitable Donation"attracted over 400 employees and raised 35,923.95 RMB, which were preciselyallocated to support groups such as severely ill low-income individuals, orphans,and children with disabilities.

汇爱成海，拓宽帮扶维度Uniting compassion, broadening support

411,019

2,000

200,000

元

名

元

支持内蒙古农牧产品销售supporting the sales ofagricultural and animalproducts in Inner Mongolia

累计参与员工Accumulated participationof employees

累计筹得善款Accumulated funds raised

慈善公益

Charity and commonwealactivities

议题 / Topic

Chapter IV 共享共赢建设和谐社会江苏金租｜155154｜

助梦成真，支持教育事业Supporting education and making children’sdreams come true

万元

“梦想小屋”三期捐赠Dream HousesThree phase donation

“心语新愿”助学活动“Heartfelt New Wishes” scholarship program

自2019年起，公司向日葵公益团队连续6年组织“心语新愿”系列活动，为安徽石台县的贫困儿童提供“一对一”精准帮扶。通过员工定期、自发地组织捐赠活动为当地学校、卫生员提供教学物资与医疗设备，传递苏租爱心力量。Since 2019, the Company’s Sunflower Charity Team has organizedthe “Heartfelt New Wishes” series for six consecutive years,providing one-on-one precise assistance to underprivilegedchildren in Shitai County, Anhui. Regular, voluntary donation drivesby employees have supplied local schools and health workers withteaching materials and medical equipment, spreading the caringspirit of JFL.2024年，公司紧密对接当地的公益组织及教育部门，公司员工有效帮扶了石台县9名困难儿童。In 2024, the Company closely coordinated with local public welfareorganizations and education departments, effectively assisting 9disadvantaged children in Shitai County.

“南京大学”专项奖学基金Nanjing University’s special scholarship fund自2018年起，江苏金租便开启了与南京大学的公益合作篇章，双方合作设立专项奖学金基金。6年来，公司已累计向南京大学捐赠奖学基金120万元。我们期望能够以此激励莘莘学子勤奋向学、勇攀学术高峰。Since 2018, JFL has initiated a public welfare cooperation withNanjing University, establishing a special scholarship fund throughjoint eorts. Over the past 6 years, the Company has cumulativelydonated 1.2 million RMB in scholarship funds to Nanjing University.We hope this will inspire diligent study and the pursuit of academicexcellence among students.

2024年，江苏金租落实“梦想小屋”第三期计划，向盱眙县红十字会捐款36万元，至此，计划捐赠的108万元善款已全部到位。In 2024, the Company implemented the third phase of the “DreamHouses” plan by donating 360,000 RMB to the Xuyi County RedCross; with this, the total pledged donation of 1.08 million RMB hasbeen fully disbursed.

“梦想小屋”，关爱事实孤儿Dream houses - caring for de facto orphans“改造一间小屋，打开一扇心门，编织一个梦想，创造一段人生”。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。我们相信于方寸之中，也能看见美好未来。“Renovate a small house, open a door to the heart, weave a dream, and create a new life.” In response to the“Dream Renovation+” care plan initiated by the Communist Youth League of Jiangsu Province and the JiangsuHope Project Oce, JFL has built “Dream Houses” for over a hundred de facto orphans in Xuyi County, providingwarm and solid support to improve their educational and living conditions. We believe that even in the smallspaces, a beautiful future can be envisioned.

Chapter IV 共享共赢建设和谐社会江苏金租｜157156｜

“热血”奉献，用爱心为生命接力Passionate contribution – empoweringlife through Love

久久为功，爱心传递永不停Sustained eorts – the unceasing flowof love

2024年，公司联合江苏省血液中心，组织开展无偿献血活动，超120位员工踊跃报名、积极参与，献血总量达29550cc。这也是公司连续第9年开展无偿献血活动，生命因热血而不息，爱心因传递而耀眼。In 2024, the Company, in partnership with the Jiangsu Blood Center, organized avoluntary blood donation drive. More than 120 employees eagerly participated,donating a total of 29,550 cc of blood. This marked the ninth consecutive year ofhosting such events—an enduring testament to the vitality of life fueled by passionand the brilliance of shared love.公司将持续发扬无偿献血活动的责任与担当，以实际行动支持公益献血事业，用爱心为“生命接力”增添希望！The Company will continue to uphold the spirit of voluntary blood donation,actively supporting this cause and adding hope to life through every act ofkindness.

99公益，爱心助学99 Charity – supporting education through love公司积极响应共青团江苏省委等的号召，以组队形式参与“圆梦行动”助学项目。也是公司连续10年参与“99公益日”，“十年如一日，久久做好事”，公司希望这场爱的行动一直继续，爱心传递永远不停，并在公益领域、公益形式方面不断开拓创新！In response to the call from the Jiangsu Provincial Committee of theCommunist Youth League and other organizations, the Companyparticipated in the “Dream Fulfillment Action” scholarship projectas a team. For the tenth consecutive year, it has taken part in “99Charity Day”—doing good consistently over a decade. The Companyis determined to keep this movement of love alive, continuouslyinnovating in both the scale and approach of its charitableendeavors.

29,550120cc位献血总量Total amount of blood donation积极参与员工Actively participate in employees

Special Topic乙巳不惑半步领先江苏金租｜159158｜

乙巳不惑半步领先

Celebrate the 40

anniversary offoundation and maintain half astep ahead

Special topic专题

Special Topic乙巳不惑半步领先江苏金租｜161160｜

栉风沐雨砥砺前行Braving the wind and rain and forgingahead

2024

1985

2002

2009

2016

2018

2020

江苏金租前身?江苏省租赁有限公司成立。In 1985, the predecessorof JFL—Jiangsu Leasing Co.,Ltd.—was established.1988年，江苏金租获得中国人民银行颁发的《经营金融业务许可证》。In 1988, JFL obtained the"License for OperatingFinancial Business" issuedby the People's Bank ofChina.

江苏交通控股对公司进行战略重组。In 2002, JiangsuCommunications HoldingsCo., Ltd. conducted astrategic restructuring ofthe Company.2003年，公司推行“三项制度”改革，实行全员竞争上岗和双向选择。In 2003, the Companyimplemented the"Three-System" reform,introducing competitivehiring and mutualselection.

南京银行入股，正式开启混合所有制改革进程。In 2009, Bank of Nanjing took equity,ocially initiating the process ofmixed-ownership reform.2010年，国际金融公司（IFC）入股。In 2010, the International FinanceCorporation (IFC) took equity.2013年，中信产业基金入股。In 2013, CITICPE took equity.2014年，法巴租赁（BPLG）入股，公司完成混合所有制改革。In 2014, BNP Paribas LeasingSolutions took equity, and theCompany completed its mixed-ownership reform.

公司资产规模突破400亿元，IPO申请获证监会受理。In 2016, the Company’sasset scale surpassed 40billion RMB, and its IPOapplication was acceptedby the CSRC.2017年，公司荣获全国文明单位，并作为行业唯一代表参加全国金融工作会议。In 2017, the Company wasawarded the NationalCivilized Unit honorand participated in theNational Financial WorkConference as the soleindustry representative.

公司在A股主板上市，成为全国首家A股上市金租公司。In 2018, the Company waslisted on the A-share mainboard, becoming the firstfinancial leasing companylisted on the A-sharemarket nationwide.

成为江苏省内第一家完成限制性股权激励的国有企业。In 2020, the Companybecame the first state-owned enterprise inJiangsu Province tocomplete a restricted stockincentive plan.2022年，公司资产规模突破1000亿元；获评国务院国资委“国有企业公司治理示范企业”。In 2022, the Company’sasset scale surpassed100 billion RMB; it wasrated as a "State-OwnedEnterprise CorporateGovernance ModelEnterprise" by the State-Owned Assets Supervisionand AdministrationCommission of the StateCouncil.

与法巴租赁共同成立全国首家中外合资、专门服务农业与科技市场的金租专业子公司。In 2024, together with BNPParibas Leasing Solutions,the Company establishedthe nation’s first financialleasing subsidiary withSino-foreign investmentthat serves the agricultureand technology markets.

Special Topic乙巳不惑半步领先江苏金租｜163162｜

做银行的有益补充，彰显租赁专业化服务能力To serve as a beneficial supplement tobanks, demonstrating specialized leasingservice capabilities.做银行不能做的→设备管理要求高、设备控制风险功能强的行业Do what banks cannot do→Industrieswith high equipment managementrequirements and strong equipment riskcontrol functions.做银行不愿做的→融资金额小、项目数量大、管理成本高的中小微业务Do what banks are unwilling to do→Smalland micro businesses with small financingamounts, numerous projects, and highmanagement costs.

与银行系、产业系金租差异化竞争，做小做精Competing distinctly with bank-aliated and industry-backed leasing firms by focusing on niche excellence.与银行系金租相比，公司没有资金、客户资源优势，与产业系金租相比，公司缺乏产业、产品、渠道背景→通过绑定厂商，深耕区域，培育自身的专业资源和渠道资源While we may lack the funding and client resourcesof bank-affiliated firms and the industrial, product,and channel advantages of industry-backed firms, wehave built our own specialized resources and channelnetworks through close partnerships with manufacturersand regional expertise.

40 years我们找准了公司定位we have determined our

correct positioning

专业化Specialization

差异化Dierentiation

凝聚智慧继往开来Gathering wisdom, carrying the legacy forwardand forging ahead into the future

2025年是江苏金租成立40周年。40年在历史的长河中只是短短一瞬，但对于江苏金租来说却是一段不凡的路程。2025 marks the 40th anniversary of JFL’s establishment. Forty years is but a brief moment in the long course ofhistory, yet for JFL it represents an extraordinary journey.这条路上，我们拥抱时代、追逐变化，紧跟中国经济潮水的方向，紧跟金租行业成长的速度，积极求变、主动应变，持续探索苏租模式与道路。On this journey, we embrace the spirit of the times and actively pursue change—keeping pace with the dynamiccurrents of China’s economy and the rapid growth of the financial leasing industry. We constantly seektransformation and respond proactively, continually refining the JFL model and exploring new paths forward.在这条奋进之路上，我们以无畏的勇气直面波折，在跌宕起伏中深度淬炼，沉淀出独一无二的苏租经验；面对外界质疑，我们秉持着对金融理想的执着坚守，于深度反思和探索中锻造苏租竞争力；我们大胆开拓，探索鲜有人涉足的领域，以先行先试的担当和敢为人先的魄力，为行业发展提供创新思路。Along this path of progress, we confront challenges with unwavering courage, using every setback as anopportunity to refine our unique JFL experience. In the face of external skepticism, we remain steadfast in ourfinancial ideals, forging a competitive edge through deep reflection and relentless exploration. We boldlyventure into uncharted territories, driven by a pioneering spirit and the courage to be first, oering innovativeideas that propel the entire industry forward.回望过首，我们从40年宝贵的历史经验中汲取智慧、凝聚力量；展望未来，我们也将始终以“创业者”的姿态不负芳华、鼎力前行！Reflecting on our 40 years of valuable history, we have gathered wisdom and strength; looking forward, we willcontinue to march ahead with the spirit of entrepreneurs, making the most of our prime years.

Special Topic乙巳不惑半步领先江苏金租｜165164｜

懂设备、懂产业Understanding equipment and industry.小金额、大批量Small amounts, large volumes.绑定厂商、深耕区域Binding with vendors and delving into regional markets.强大的信息科技系统A powerful information technology system.

自主展业、自主融资Independent business development and independent financing.以客户为中心，前台服务市场，中后台服务前台Client-centered, front-office serving the market, and back-office supporting thefront-oce.工资总额市场化、能者多劳，绩效向前台倾斜Salary marketization, more work for those who are capable, with performanceincentives leaning toward the front-oce.竞聘双选，人员能进能出、能上能下Competitive recruitment and mutual selection enables reasonable employeerecruitment and employment termination, and promotion and demotion

法巴租赁、国际金融公司入股With BNP Paribas Leasing Solutions and the International Finance Corporation asshareholders.国际化客户与厂商伙伴International clients and vendor partners.跨境银团贷款、国际评级（惠誉BBB+、穆迪Baa2）Cross-border syndicate loans, international ratings (Fitch BBB+, Moody’s Baa2).

专业化Specialization

市场化Marketization

国际化Internationalization

融物专业化：

Asset-based specialization:

零售专业化：

Retail specialization:

渠道专业化：

Channel specialization:

业务市场化：

Business marketization:

理念市场化：

Concept marketization:

考核市场化：

Evaluation marketization:

用人市场化：

Employment marketization:

股东国际化：

Shareholder internationalization:

业务国际化：

Business internationalization:

融资国际化：

Financing internationalization:

工具专业化：

Tool specialization:

40 years

我们明确了发展方向we have identified ourdevelopment direction

Special Topic乙巳不惑半步领先江苏金租｜167166｜

为客户提供更快速、更便捷、更优质的服务Provide clients with faster, moreconvenient, and higher-qualityservices.长期坚守，持续服务，为合作伙伴带来价值Maintain long-term commitment andcontinuous service, deliver value topartners.“听到炮声就往前冲锋”，前台服务市场，中后台服务前台"Charging forward at the sound ofcannons" – with frontline teams servingthe market while support teams backthem up.

40 years

我们提炼了战略思想we have refined ourstrategic thinking

我们培育了核心能力we have developed core

capabilities坚持零售和融物深度结合Persist in deeply integrating retailand asset-based businesses.

坚持厂商和区域双线并进Persist in consolidating andexpanding regional and supplier

resources

坚持信息科技与业务融合Persist in integrating information

technology with business.坚持多元市场培育和重点市场开发Persist in cultivating diversemarkets and developing key

markets.

选择一个行业、深耕一个行业、坚守一个行业Focus on and remain committed toone industry after choosing it通过行业的专业化，提升业务的专业性Enhance business professionalismthrough industry specialization.通过行业的多元化，支持公司穿越周期，缓释风险Varied industry focus enables us toweather cycles and mitigate risks将员工培养成各个设备租赁领域的专家Develop employees into experts acrossvarious equipment leasing segments.

强化金融科技赋能，将智能化、数据化作为核心管理工具Leveraging ?nancial technology to driveintelligent, data-driven management.持续优化内部流程与管理机制，适应业务发展的需要Continuously optimizing internalprocesses and management systemsto meet business needs.加强人力资源管理，细化考核与薪酬机制Strengthen human resourcemanagement and refine evaluationand compensation mechanisms.

精专行业Focusedindustries

精细管理Refinedmanagement

精品服务Premiumservices

Special Topic乙巳不惑半步领先江苏金租｜169168｜

40 years我们凝聚了可持续发展动力we have built sustainabledevelopment momentum

未来发展方向Futuredevelopmentdirections

改革活力Reform vitality持续改革，激发组织的活力Continuously reform to energizethe organization.

团队凝聚力Team cohesion以紧密团结的团队，保证内部的确定性A tightly unified team that ensuresinternal stability.

战略定力Strategic determination面对外部不确定性，保持战略定力Maintain strategic resolve amidexternal uncertainties.

凝聚人心的内核A core that unites hearts企业文化、员工关怀、品牌认同、社会价值Corporate culture, employee care, brand

identity, and social value.

多行业业务布局Multi-industry business layout行业多元，梯队式孵化Diversified industries and echelon

incubation.

灵活的组织架构Flexible organizational structure

敏捷决策、快速响应、敏态团队Agile decision-making, rapid response,

and nimble teams.

持续的学习适应Continuous learning and adaptation

创新土壤、数智转型、学习型组织、“知识库”An innovative soil, digitaltransformation, learning organization,

and "knowledge base."

多渠道资金组合Multi-channel capital mix国内外、长+短、资金市场+资本市场、品种组合Domestic and international, long-term+ short-term, money market + capital

market, and variety combination.

多维度风险防控Multidimensional risk control

资产组合、压力测试、应急预案Asset portfolio, stress testing, and

contingency plans.

与优秀者同行，向百年苏租迈进Work with the best on our journey to a centenary legacy

面向未来Future orientation

与优秀的投资者同行outstandinginvestors与优秀的客户同行Working withoutstanding clients

与优秀的专业机构同行outstanding professionalinstitutions

与优秀的厂商同行outstandingvendors

Special Topic乙巳不惑半步领先江苏金租｜171170｜

40年，40个感动瞬间40 years, 40 touchingmoments

ESG关键绩效表江苏金租｜173172｜

附录：ESG关键绩效表Appendix: ESG Key Performance Table

环境绩效指标Environmental Performance Indicators绿色租赁资产余额Balance of leased green assets

亿元CNY 100 million

203.43310.32413.63

清洁能源装机规模Installed capacity of clean energy systems

GW5.378.5210.5生产清洁电力Produced clean electricity

亿度100,000,000 kWh

64138150减少标准煤消耗Reduction of standard coal consumption

万吨10,000 t

210422456减少二氧化碳排放量Reduction of carbon dioxide emissions

万吨10,000 t

54010391120

经济绩效指标Economic Performance Indicators

纳税总额Total tax payment

亿元CNY 100 million

9.9710.5212.00

总资产Total assets

亿元CNY 100 million

1089.921199.21,372.55营业收入Operating revenue

亿元CNY 100 million

43.4647.8752.78

利润总额Total profit

亿元CNY 100 million

32.1635.4339.21

净利润Net profit

亿元CNY 100 million

24.1226.629.43

指标

Indicator

单位

Unit202220232024

社会绩效指标Social Performance Indicators员工雇佣绩效指标Employee Employment Performance Indicators员工总数Total number of employees

人Person

447528570按性别划分By gender

男性Male

人Person

290337375女性Female

人Person

157191195

按年龄组别划分By age group

51岁及以上51 and above

人Person

12 11 1031岁至50岁31 to 50

人Person

21427832730岁及以下30 and below

人Person

221 239 233

按受教育程度划分By academic degree

博士

Doctorate

人Person

3 3 3硕士

Master’s

人Person

291323363本科

Bachelor’s

人Person

153197203大专及以下

Junior college and below

人Person

0 5 1

电子签合同数Number of electronic contracts signed

笔

51,26339,69860,177耗水总量Total water consumption

吨Ton

15,88419,22520,437消耗天然气总量Total natural gas consumption

立方米m3

24,460.0033,049.7435,580.00耗电总量Total electricity consumption

千瓦时kWh

1,715,7241,910,7722,121,318能源消耗费用Energy consumption costs

万元CNY 10,000

136.34164.93193.41

办公用品消费Oce supplies expenditure

万元CNY 10,000

23.5920.8521.91

ESG关键绩效表江苏金租｜175174｜

员工多元化Employee diversity

少数民族员工总数

Total number of employees ofethnic minorities

人Person

8 8 10

员工流失率Employee turnover rate

%6%5%7%按性别划分By gender

男性Male

人Person

182123女性Female

人Person

9918

按年龄组别划分By age group

51岁及以上51 and above

人Person

2 1 231岁至50岁31 to 50

人Person

8 10 1430岁及以下30 and below

人Person

17 19 25员工培训绩效指标Employee Training Performance Indicators员工培训覆盖率Employee training coverage

%100%100%100%开展员工培训期数Number of employee training sessions

期

Session

396365387员工职业健康与安全绩效指标Employee Occupational Health and Safety Performance Indicators因工作关系而死亡的员工人数Number of employee deaths due to work-relatedcauses

人Person

0 0 0劳工歧视事件Labor discrimination incidents

件

0 0 0员工职业病发病率Employee occupational disease incidence rate

%0 0 0员工职业健康保险投入Investment in employee occupational healthinsurance

万元

CNY 10,000

1711.41 1508.16 1815.47参加员工体检人数Number of employees participating in healthcheckups

人Person

447528570员工体检覆盖率Employee health checkup coverage rate

%100%100%100%

社会保险覆盖率Social insurance coverage

%100%100%100%劳动合同签订率Labor contract signing rate

%100%100%100%人均带薪休假天数Paid vacation days per capita

天

Day

6 5 6公益慈善绩效指标Public Welfare and Charity Performance Indicators无偿献血量Amount of voluntary blood donations

CC218002835029550公益慈善总额Total amount of charitable donations

万元

CNY 10,000

128.2199.03100.79

治理绩效指标Governance Performance Indicators

三会治理关键指标Key governance indicators of the Shareholders' Meeting, the Board of Directors and the Board of Supervisors股东大会召开次数Number of meetings held by the Shareholders’Meeting

次

1 3 3董事会召开次数Number of meetings held by the Board of Directors

次/

4 7 8监事会召开次数Number of meetings held by the Board of Supervisors

次/

4 5 4董事会专门委员会召开次数Number of meetings held by specialized committeesof the Board of Directors

次/

14 16 15董事会成员人数Number of members of the Board of Directors

人Person

11 11 11其中:男性董事Including female director(s)

人Person

10 10 9女性董事Female director(s)

人Person

1 1 2其中:外籍董事Including foreign director(s)

人Person

1 1 1

ESG关键绩效表江苏金租｜177176｜

其中:独立董事Including independent director(s)

人Person

4 4 4非独立董事Non-independent director(s)

人Person

7 7 7监事会成员人数Number of members of the Board of Supervisors

人Person

6 6 6其中:男性监事Including female supervisors

人Person

5 5 4女性监事Female supervisor(s)

人Person

1 1 2其中:职工监事人数Including employee supervisor(s)

人Person

2 2 2公告及文件披露数Number of announcements and documentdisclosures

项/

97 116 118反腐败管理关键指标Key Anti-corruption Management Indicators廉洁警示教育视频观看人数Number of employees who watched integrityeducation videos

人Person

447528570公司开展反腐败培训次数Number of anti-corruption training sessionsconducted

次/

101105125接受反腐败培训的员工人数Number of employees receiving anti-corruptiontraining

人Person

447528570反腐败培训覆盖员工比例Percentage of employees covered by anti-corruptiontraining

%100%100%100%

江苏金租

｜

爱股网

江苏金租(600901)_公司公告_江苏金租：2024年度环境、社会及治理(ESG)报告(中英版)