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Qingyun Rent: Leveraging Credit Leasing to Unlock a Trillion-Yuan Market and Create a New Paradigm for Low-Carbon Living

Against the backdrop of the growing trend of "renting instead of buying" as a new consumption pattern, "Qingyun Rent," a digital credit leasing platform launched by Wuhan Qingqing Times Network Technology Co., Ltd., is tapping into the vast potential of the Chinese leasing market with its innovative business model and solid technical capabilities. Just three years after its launch, the platform has served over one million users and covered 200 cities, emerging as an innovative example of the integration of credit economy and circular economy.

New Model Catalyzed by Policy Tailwinds and Technological Infrastructure

The birth of Qingyun Rent coincided with a crucial turning point in China's leasing economy. In 2022, the "Opinions on Further Releasing Consumption Potential and Promoting Sustained Consumption Recovery" issued by the State Council clearly encouraged leasing consumption. In 2024, policies on equipment renewal and trade-ins further provided policy support for the second - hand market. Meanwhile, the improvement of China's credit system and the maturity of blockchain technology laid the technical foundation for the "credit - free deposit" model. Sensing the market characteristics of rapid digital product iteration and the strong demand of the young generation for new experiences, the platform's founder targeted high - frequency replacement hardware such as mobile phones and computers as the entry point, creating a light - asset leasing model featuring "low decision - making threshold + high turnover efficiency."

Three - Stage Growth Propels Platform Expansion

The platform's development has gone through three stages to validate its business logic: In the initial stage, it achieved a cold start through the Alipay ecosystem, proving the feasibility of the credit - free deposit model in the 3C field. In the middle stage, it introduced offline scenarios such as Fengchao express cabinets and shared power banks to expand its user base. At the current stage, it is focusing on the enterprise - level leasing market, providing full - lifecycle equipment management solutions for corporate clients. The "Tianqiong" intelligent risk control system independently developed by the technical team serves as a key support. This system integrates multi - dimensional information such as central bank credit reports, operator data, and consumption behavior, and combines blockchain evidence - storage technology, reducing the average risk control decision - making time to 15 seconds and keeping the bad debt rate at one - third of the industry average.

Dual - Layered Structure Solves Industry Problems

To address the three major pain points in the leasing industry, namely deposit disputes, difficulty in rent collection, and asset depreciation, Qingyun Rent has developed a dual - solution approach: For individual users, it offers triple guarantees through credit scores instead of deposits, automatic rent deduction, and underwriting by Zhongan Insurance. For business clients, it provides SaaS tools such as intelligent product selection, inventory sharing, and automatic overdue disposal. This "technology + finance" dual - drive model has shortened the average payback period for platform merchants from 18 months in the traditional model to 9 months. Currently, the platform has established direct - supply partnerships with over 80 brand manufacturers, and the turnover efficiency of second - hand equipment in the first half of 2024 increased by 210% year - on - year.

Ecosystem Ambitions in the Trillion - Yuan Market

According to industry data, the penetration rate of China's digital leasing market is expected to exceed 10% in 2025, corresponding to a market size of over 120 billion yuan. The uniqueness of Qingyun Rent lies in its complete business closed - loop: Individual users can use the latest equipment at low cost through credit leasing, merchants can obtain stable cash flow and equipment appreciation benefits, and manufacturers can open up new channels for new product promotion and residual value management. This ecological operation is particularly prominent in the office equipment leasing segment. A corporate client has reduced its IT equipment expenditure by 40% and increased equipment utilization to 85% through the platform.

Partner System for Light - Asset Expansion

To achieve rapid scaling, the platform launched the "City Partner" program, attracting offline service providers through profit sharing, traffic support, and intelligent system empowerment. A provincial partner in Chengdu expanded 47 corporate clients within three months with the help of the platform's supply - chain resources, and its monthly commission income exceeded 800,000 yuan. Strict access assessment and intelligent process management ensure service quality and reduce regional operating costs by 60%. Currently, there are over 500 active partners nationwide, serving as important outposts for the platform's expansion into the sinking market.

Capital Favor and Social Value Resonance

Although the specific details of the financing have not been disclosed, public information shows that the platform has received strategic investments from state - owned institutions and a Hong Kong - listed company. This capital combination not only ensures the safety of the capital chain but also provides strong support from industrial resources. More importantly, the platform promotes the circular use of 200,000 second - hand devices annually, equivalent to reducing 450 tons of electronic waste. This environmental benefit is becoming an important part of the platform's brand competitiveness.

At the intersection of the digital economy and the green economy, Qingyun Rent is redefining the relationship between "ownership" and "use rights." When asked about the original intention of starting the business, the team leader emphasized, "We are not just running a leasing business; we hope to promote more efficient allocation of social resources through the in - depth application of the credit system." This value proposition, which is based on the essence of business and goes beyond short - term interests, may be the right direction for enterprise evolution in the new consumption era.