Last year, the leasing industry financed assets worth PLN 110.5 billion, i.e. by 10.4 percent. More than in 2023. This year an increase of 13 % is expected, i.e. to PLN 125 billion. As panel participants said in this context, forecasts regarding GDP growth this year are good. The driving force will be too Acceleration in obtaining EU fundswhich should increase companies’ propensity to invest.
Monika Constant, the president of the Polish Leasing Association, noticed that changes would help in maintaining a high pace of development. The leasing market is still struggling with numerous restrictions.
– Simplifications to conclude contracts are needed, including an electronic signature. Digitization and greater digitization of the industry are also necessary, which will also translate into better access to the leasing offer – she said and pointed out that the world is changing, so leasing must adapt to the new environment. An example is the closed circulation economy and the issue of the object that will change the owner.
Paulina Kusy, deputy director of the Investment Development Department at the Ministry of Development and Technology, indicated that The solution regarding the electronic signature is already completed. It can not only speed up the process of concluding contracts, but also reduce costs. Paulina Kusy also announced that there will be further deregulations that can drive market development.
Technologies get old quickly
The participation of the leasing industry in financing green investments turned out to be an important thread of discussion. Andrzej Krzemiński, president of the board of Pekao Leasing, pointed out that last year such assets for PLN 5.3 billion were financed. This gives them a share of less than 5 percent. throughout the leasing market.
– When it comes to financing green investments, we are talking primarily about passenger cars, trucks or photovoltaics. I hope that soon this share will increase to 40 percent. – he noted.
Małgorzata Szafoni, deputy president of the Board of the National Fund for Environmental Protection and Water Management, said in this context about a joint project implemented in cooperation with the industry and subsequent prepared.
– This year’s call for applications for the new program for the purchase of electric cars by natural persons and those conducting business activity has already started. Statistics show that several thousand applications were submitted. On the other hand, there are programs related to the purchase of organic trucks and the development of charging infrastructure – exchanged Małgorzata Szafoni.
Andrzej Krzemiński noticed that leasing has it, that he reflects economic trends in advance one year.
– We finance micro, small and medium -sized companies in which the decision -making process in the field of investment is almost immediate. Small companies live from the domestic market. A good situation on the labor market, an increase in society’s purchasing power translates into their results, which encourages them to invest. However, the question arises why they focus little on green projects there – he said and pointed out that this could be the result of the lack of appropriate financing products.
In his opinion It is worth focusing on those that will combine bank financingaid flowing from the Fund in the form of a loan or subsidies, just with leasing. This will help to convince investors to reach for support, but also finance difficult projects.
He also referred to the challenges that the industry is measured, related to technological progress. The development of technology, he added, occurs quickly, which is why it is getting old at a short pace.
– Today we finance what will apply in four or five years. Meanwhile, then it will be very outdated. Hybrid financingthat is, those that everyone will make up for, However, it can help overcome the technological barrier He noticed.
He also pointed out that the sector serves 1 million business entities and employs 10,000. people. This potential can be used to ask entrepreneurs, which stops them from investing in green transformation. He emphasized that they would become inevitable because of the EU perspective that introduces ban on the production of combustion cars from 2035.order to buy electric cars for fleets with over 100 vehicles and reduce CO2 emissions. This is not a distant perspective.
Energy chance
– So we will face the need to rebuild the infrastructure. As one of the advisory companies calculated, 900,000 are needed to electrify international transport. Private charging stations, which must be built by 2035. This is associated with an circulation of $ 20 billion. Entrepreneurs will not cover these expenses out of their own pocket. Today, we are facing a dilemma on how to convince companies to use available tools – said Andrzej Krzemiński, noting that the projects implemented today by the NFOŚiGW, this is just a good start.
He also drew attention to an important challenge in the context of the energy market.
– We do not struggle with a lack of energy sources, but technology that will allow you to use – he admitted and noted that as a country we should invest in its development. This is our chance to gain competitive advantages in the global world.
– I even see such a model: a technology manufacturer for the production of electricity is created in Poland. It is supported by state funds, and we as an industry help him finance devices with which the technology will produce – said Andrzej Krzemiński.
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