CIT（NYSE：CIT）是一家银行控股企业，拥有600多亿美元的金融与租赁资产。 100多年以来，CIT提给贷款、咨询和租赁服务给小型和中型市场 企业，并使它们获得了无可比拟的业内专业知识。CIT的总部位于纽约市，是一家跻身财富500强的企业。

CIT运营的CIT Bank（CIT银行）是一家位于犹他州的全方位服务银行，由犹他州的金融机构部门和FDIC管辖。

2009年11月1日，由于政府救助和债务重组失败，拥有百年历史的美国最大的中小企业商业贷款机构CIT集团正式申请 破产保护。

业务范围遍布50多个国家，我们在30个行业内拥有丰富的专业知识。擅长的领域包含：

企业理财是中小型贸易级贷款（低于15000万美元）前10名的领先策划企业，共拥有3000多个客户。业务包含商业与产业, 通讯、传媒和娱乐, 能源, 医疗保健, 投入银行服务，和小企业贷款.

贸易金融是美国最紧要的保理服务企业， 其客户来自美国、加拿大、欧洲和亚洲。CIT的保理服务向数千家小型制造商提给了资金，而这些制造商又将其产品销售给那些依赖CIT获得货物流的小型和大型零售商。

运输金融是美国第三有轨列车出租商，拥有116,000多辆有轨列车。同时也是全球第三大飞机融资商，拥有100多家商业航空企业客户和300多个企业客户。

供应商融资 是美国名列第1的独立租赁企业，服务的商务终端客户包含小企业到财富500强企业，数量多达500,000多家。借多种优势及 技术和办公设备 企业来维护客户关系，这些企业可以提给值得信赖的企业设备租赁。

100多年来致力于服务小型企业和中型市场企业。

1908年以来，CIT通过为客户提给三种类型的资金融资而不断走向成功。我们坚信：关系资本、知识资本和金融资本三者的结合能让我们的客户迸发出无限的潜能。

关系资本：我们的员工以及与数千位客户之间的长期合作关系是我们最大的资产。

知识资本：我们知道帮助客户成长并获得成功所花费的不仅仅是金钱。 我们的知识和理念，以及关系资本和金融资本能确保客户成功。

金融资本：我们提给的资金对客户的成功至关重要。

我们在CIT的使命是致力于成长为世界一流的金融服务企业，我们的使命是促进经济快速增长，为全世界的企业和客户创造更多的进展机会。 历经百年风云，我们以我们丰富的经验为每位客户提给极具创新性的金融解决方案，给客户带去的是丰富的知识、专家的建议和创新的意识。

随着我们的成长，我们的客户、我们的团体、我们的股东也将和我们一道共同进展。我们为我们服务的每一位客户实践着我们的承诺。

企业融资产品和服务

我们的专业团队不仅了解金融产业而且也了解您的产业 - 并且这将引领您的企业迈向成功。 我们在提给企业融资解决方案方面的丰富经验，使CIT具备为您的企业提给适当融资服务的实力。

企业理财

Whether you need help improving business cash flow, acquiring new business, refinancing debt or restructuring, CIT Corporate Finance will work with you to meet your immediate and long-term financing needs.

贸易金融

CIT是保理业务的佼佼者，可以成功地帮助企业平衡资本支出和收入。 我们将与您一起努力提高现金流量，增加周转资金，满足业务的日常需求。

运输金融

CIT Transportation Finance works with manufacturers, dealers and brokers to provide you with the widest possible selection of transport vehicles and flexible financing options. 我们的专长涉及铁路和航空，在这个领域里我们经营管理着由300多架飞机组成的机队。

供应商融资

CIT Vendor Finance（CIT供应商融资）针对全球范围区别产业的设备制造商、贩卖商、供应商和经销商提给全面的融资服务、个性化项目、销售规划支持、投入组合购买、以及免税市政融资服务。

CIT Bank（CIT银行）

CIT Bank is chartered by the state of Utah and regulated by the Utah Department of Financial Institutions and the FDIC. CIT Bank has an independent Board of Directors that guides its activities. CIT Bank raises deposits to fund its lending activities, currently by issuing CDs through various investment channels.

保险服务

无论您是个人还是一家正在进展的中间市场型企业，CIT Global Insurance Services（CIT全球保险服务）都可以满足您所有的保险需求。我们的财政保障解决方案包含：针对消费者的债权保护、财产保险和补充保险，以及针对企业的财产保险、伤亡保险和职工福利保险。

CIT中国成立于1998年，是CIT集团在华的全资子企业，注册资金为5500万美元。总部设在上海陆家嘴金融贸易区，在北京、广州设有分企业，并在 香港设有办公室。

在中国，CIT为中小型企业定制商业方案以获取设备和增值服务。为各行业的制造商、经销商、产品分销商（统称“供应商”）量身定制设备融资租赁项目，助其提高销售额，促进业务进展。通过这些项目，CIT提给定制设备融资方案和增值服务，包含从发票开具到资产处置在内的一整套服务。

CIT中国利用集团总部与全球200多家设备供应商的长期合作关系和渠道，在中国与多家相关的设备供应商展开合作，共同为客户制定租赁方案，即由跨国设备厂商提给设备、由CIT执行租赁合同，共同为客户提给一站式服务。目前，CIT为多个行业的客户提给全方位的设备租赁业务，租赁设备包含高科技设备（包含贴片机）、办公自动化设备、医疗设备、印刷和机床设备等。

Entrance to headquarters at 505 Fifth Avenue in New York

On February 11, 1908, Henry Ittleson founded the Commercial Credit and Investment Company in St. Louis, Missouri.

In 1915 it moved to New York City and renamed itself Commercial Investment Trust and went by the initials of C.I.T. It remains in New York City today. By that time, the company provided financing for wholesale suppliers and producers of consumer goods. The company added automobile financing to its product line in 1916, through an agreement with Studebaker, the first of its kind in the auto industry. During World War I, CIT financed the manufacture of 150 submarine chasers. It also added consumer financing of radios through an agreement with Thomas Edison, Inc. During the Roaring 20s following the war, consumer spending rose dramatically and CIT prospered in its consumer appliance, furniture, and automobile financing groups. In 1924, CIT incorporated in Delaware and listed itself on the New York Stock Exchange. CIT entered the field of factoring in 1928 and expanded operations into Europe in 1929.

With international tensions rising prior to World War II, CIT closed its German operations in 1934. Arthur O. Dietz succeeded Ittleson as president of the company in 1939. During the war, CIT offered its 2000 employees a month's bonus, life insurance, and a guaranteed job on return if they served in the armed forces. From 1947 to 1950, the company's net income rose from $7.3 million to $30.8 million — $273 million in recent terms. Ittleson died at age 77 on October 27, 1948.

The company moved into a new building at 650 Madison Avenue in Manhattan in 1957. In 1960, Walter Lundell succeeded Dietz as president of the company. Five years later, in 1959, the company passed $100 billion ($1 trillion in recent terms) in financing volume since its founding. The Vietnam War racial turmoil of the 1960s resulted in CIT making changes to its business. In 1969, CIT entered the personal and home equity loan and leasing business and left auto financing. In 1979, restrictive banking rules forced CIT to sell its bank, National Bank of North America. CIT was acquired by RCA Corporation in 1980. RCA promptly sold CIT's four manufacturing businesses: Picker, Gibson, All-Steel, and RACO. The Madison Avenue building was sold in 1982 as the company moved to a newly-constructued headquarters facility in Livingston, New Jersey in 1983. The address of the new headquarters was 650 CIT Drive, after the old 650 Madison Avenue address.

In 1984, CIT was sold to Manufacturers Hanover Trust. In 1989, Manufacturers Hanover Trust sold sixty percent of CIT to Dai-Ichi Kangyo Bank of Japan. As Dai-Ichi Kangyo Bank ran into troubles within its core operations, it sold off non-core assets, including CIT, which in 1997 was carved out as a separate company and re-listed on the New York Stock Exchange.

In 1999, CIT acquired Toronto-based Newcourt Credit Group Inc. for approximately US$4 billion to create one of the largest publicly-owned leasing companies. CIT over-paid for Newcourt, and merger integration troubles forced CIT to draw upon emergency credit facilities with several banks to avoid bankruptcy. As other funding sources dried up, CIT was forced to sell itself to Tyco International Ltd. in June 2001. CIT became the principal operating subsidiary of Tyco's Tyco Capital business. CIT's Livingston address was changed to 1 Tyco Drive.

Tyco ran into its own operating troubles and sold or spun-off non-core opeerations, including CIT. On July 8, 2002 Tyco completed its divestment of its Tyco Capital business through an initial public offering IPO, via the sale of 100% of the common shares in CIT Group Inc. As an independent public company, CIT changed its Livingston address to 1 CIT Drive from 1 Tyco Drive.

CIT moved its global headquarters back to New York City, opening a brand-new headquarters in 2006 across from the New York Public Library. Its headquarters were last in New York city in 1983. CIT retained its Livingston campus as its corporate headquarters.

On July 1, 2008, CIT Group announced that it will be selling its home lending division to Lone Star Funds for $1.5 billion in cash in addition to the $4.4 billion in debt the company currently holds. CIT will concentrate on its commercial pursuits due to the decline in housing and mortgage markets of the past year. They also plan to sell their manufactured housing portfolio Vanderbilt Mortgage and Finance Inc. for approximately $300 million, although it holds a value of $470 million.

In 2008, CIT Group became a bank holding company in order to qualify for, and ultimately receive $2.3 billion in Troubled Asset Relief Program (TARP) funds.

On July 13, 2009, Bloomberg TV reported that CIT was asking for FDIC loan guarantees.

On July 15, the common stock of CIT was halted on the NYSE during trading hours with "News Pending". At 6:03 p.m. a press release was issued on the company's website[page needed] stating that talks of a government bailout was unlikely. The company had been advised that "no appreciable likelihood of additional government support being provided over the near term."[citation needed] CIT announced that it believed it was unlikely that it would receive further funding from the federal government, and CIT Group came very close to declaring bankruptcy. It was rescued in a US$3 billion deal on 19 July 2009, via an agreement with the bondholders group, which included Pacific Investment Management Company (PIMCO) and some other top CIT holders.

On July 20, 2009, CIT Group escaped bankruptcy by securing a $3 billion loan from bondholders, and said it plans a comprehensive restructuring of its liabilities.

On September 30, 2009, in its continuing struggle to avoid banktruptcy, CIT Group was reported to be in negotiations with Citigroup Inc., Barclays Capital, and its bondholders to secure rescue financing to comply with its filing to find a plan “acceptable” to the majority of a bondholder steering committee that provided it with the emergency cash by Oct. 1.

On Sunday, 1 November 2009, CIT Group filed for Chapter 11 bankruptcy protection. It filed in the United States Bankruptcy Court for the Southern District of New York along with CIT Group Funding Company of Delaware LLC.