發(fā)布時(shí)間：2018-04-05 15:01

  本文選題：融資租賃　切入點(diǎn)：融物　出處：《華中科技大學(xué)》2013年碩士論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)水平的不斷增長(zhǎng)，中小企業(yè)已成為我國(guó)經(jīng)濟(jì)發(fā)展中的重要組成部分和經(jīng)濟(jì)增長(zhǎng)中的主要推動(dòng)力量。但是，中小企業(yè)的融資問題一直制約著其健康的發(fā)展，由于中小企業(yè)規(guī)模小，，實(shí)力弱，信譽(yù)不高，擔(dān)保機(jī)制不健全等一系列原因，導(dǎo)致中小企業(yè)融資渠道過(guò)窄；再加上銀行對(duì)自身的風(fēng)險(xiǎn)和利潤(rùn)的考慮，使得中小企業(yè)的貸款條件異常苛刻。面對(duì)國(guó)際金融危機(jī)的沖擊，中小企業(yè)首當(dāng)其沖受到了較大的影響，融資難、貸款難、資金短缺是中小企業(yè)面臨的最主要的問題。在這種背景下，融資租賃作為一種新興的金融創(chuàng)新產(chǎn)品，為中小企業(yè)融資帶來(lái)了新的發(fā)展出路。融資租賃作為一種采用融物的方式實(shí)現(xiàn)融資的目的的新型的融資方式，在發(fā)達(dá)國(guó)家不僅已經(jīng)成為聯(lián)結(jié)金融業(yè)、制造業(yè)和貿(mào)易行業(yè)的紐帶，更被看成是一種解決中小企業(yè)融資困難的有效渠道。但是，融資租賃在我國(guó)卻沒有得到相應(yīng)的重視，到目前為止還存在著像監(jiān)管混亂、法律法規(guī)不健全和會(huì)計(jì)制度不完善等一系列的問題，這些問題極大的制約了融資租賃業(yè)在我國(guó)的發(fā)展。本文基于以上情況，詳細(xì)介紹了我國(guó)融資租賃業(yè)的發(fā)展歷程及其現(xiàn)狀，同時(shí)指出我國(guó)融資租賃行業(yè)發(fā)展過(guò)程中所出現(xiàn)的相關(guān)問題，最后就促進(jìn)我國(guó)整個(gè)融資租賃行業(yè)的發(fā)展給出了自己的一些對(duì)策和建議。
[Abstract]:With the continuous growth of our country's economic level, small and medium-sized enterprises have become an important part of our country's economic development and the main driving force in economic growth.However, the financing problems of SMEs have been restricting their healthy development. Because of the small scale of SMEs, weak strength, low reputation, imperfect guarantee mechanism and a series of reasons, the financing channels of SMEs are too narrow.In addition, banks consider their own risks and profits, which makes the loan conditions of SMEs extremely harsh.In the face of the impact of the international financial crisis, SMEs bear the brunt of the greater impact, financing difficulties, loan difficulties, capital shortage is the most important problem faced by SMEs.In this context, financial leasing, as a new financial innovation product, has brought a new way out for the financing of small and medium enterprises.As a new type of financing method, financial leasing has not only become the link between finance industry, manufacturing industry and trade industry, but also has become a new financing method in developed countries.It is also regarded as an effective channel to solve the financing difficulties of small and medium enterprises.However, financial leasing has not been paid attention to in our country. Up to now, there are still a series of problems such as chaos of supervision, imperfect laws and regulations, imperfect accounting system, etc.These problems greatly restrict the development of financing leasing industry in our country.Based on the above situation, this paper introduces the development course and present situation of financing leasing industry in China in detail, and points out the related problems in the development process of finance lease industry in China.Finally, some countermeasures and suggestions are given to promote the development of the whole financial leasing industry in China.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.49

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