隨著中國互聯網金融的迅速發展，金融科技成為推動行業創新的關鍵驅動力。特別是在融資租賃領域，數位化工具如身份驗證、電子簽約、大數據分析和視訊對談等被廣泛應用，以提高業務效率和客戶服務質量。然而，受到政府監管的嚴格限制和人才招聘的挑戰，融資租賃行業面臨著業務流程改造的急切需求。本研究旨在探討數位化工具在提高融資租賃企業營運效能方面的可行性及實施策略。研究通過分析相關文獻和金融科技的成功案例，對融資租賃行業數位化工具的應用進行了深入探討。研究發現，資訊系統整合能夠提升企業內部作業資訊的流通和效率，大數據的應用則能有效提高風險管理和客戶關係管理的效能。此外，電子簽約技術的運用不僅提高了合約交易的透明度，也增強了安全性。這些數位化工具的運用對於提升融資租賃企業的營運效能具有顯著影響，包括提高作業效率、降低運營風險和提升客戶體驗。本研究強調，融資租賃企業應積極導入和應用這些數位化工具，以應對日益激烈的市場競爭和客戶需求的多樣化。同時，企業在數位化服務過程中也應關注資訊安全與隱私保護問題，以確保業務運行的穩定性和客戶數據的安全。透過適當的策略和技術投入，融資租賃企業可以有效提升其營運效能，進而在變化迅速的金融服務市場中保持競爭優勢。總之，本研究不僅為融資租賃行業提供了數位化服務的實踐指南，也為服務業數位化提供了可借鑒的案例分析，對於理解和應用金融科技於服務業具有重要的理論和實踐價值。;With the rapid development of China′s internet finance, financial technology has become a key driver of innovation in the industry. This is particularly obvious in the finance leasing sector, where digital tools such as identity verification, electronic contracting, big data analysis, and video conferencing are widely used to enhance operational efficiency and customer service quality. However, the finance leasing industry faces urgent needs for business process transformation due to strict challenges on regulatory constraints and talent recruitment. This study aims to explore the feasibility and implementation methods of using digital tools to enhance the operational efficiency of finance leasing enterprises.After analyzing relevant literature and successful cases in fintech, this study delves into the application of digital tools in the finance leasing industry. The findings indicate that the integration of information system can significantly enhance the circulation and efficiency of internal information within an enterprise. The application of big data can improve the efficiency of risk management and customer relationship management. . Besides,the facilitate of electronic signing technology can not only improve the transparency of contract transactions, but also enhance its security. The use of such digital tools have significant impacts on improving the operational efficiency of financial leasing enterprises, including increasing operational efficiency, reducing operational risks and improving customer experience. The study emphasizes that finance leasing enterprises should actively adopt and apply these digital tools in response to increasingly intense market competition and diversified customer demands. Simultaneously, during the digital transformation processes, enterprises should pay attention to information security and privacy protection to ensure the stability of business operations and the security of customer data. By appropriate strategies and technical investments, finance leasing enterprises can effectively enhance their operational efficiency and maintain a competitive advantage in the rapidly changing financial services market.In summary, this study provides not only practical guidelines for digital transformation in the finance leasing industry but also provides case studies that can be used for reference in the digitalization of the service industry. It possesses significant theoretical and practical value for understanding and applying financial technology in the service sector.
