發(fā)布時(shí)間：2018-11-16 16:07

【摘要】：自2006年以來(lái),金融租賃行業(yè)在我國(guó)實(shí)現(xiàn)了迅猛發(fā)展,企業(yè)資產(chǎn)規(guī)模不斷擴(kuò)大,業(yè)務(wù)領(lǐng)域不斷延伸,也很大程度地提升了經(jīng)營(yíng)管理能力和風(fēng)險(xiǎn)控制能力,但與此同時(shí),整個(gè)行業(yè)的市場(chǎng)機(jī)制還是不夠完善,行業(yè)的總量和相對(duì)量都落后于國(guó)外的金融租賃產(chǎn)業(yè)發(fā)達(dá)國(guó)家。在這樣的情況下,租賃公司與其他金融機(jī)構(gòu)的跨界合作顯得格外必要。本文在綜述國(guó)內(nèi)外金融租賃發(fā)展現(xiàn)狀的基礎(chǔ)上,分析了限制行業(yè)發(fā)展的主要問(wèn)題,并針對(duì)這些問(wèn)題,提出了開(kāi)展金融租賃業(yè)務(wù)創(chuàng)新模式的思路,構(gòu)建金融租賃跨界合作結(jié)構(gòu)模型,將租賃公司與銀行、信托、證券、保險(xiǎn)等機(jī)構(gòu)結(jié)合起來(lái),探索新的業(yè)務(wù)形式。文章重點(diǎn)以“銀租”合作情況下的直接租賃模式為切入點(diǎn),構(gòu)建了直租運(yùn)作模型,討論了只有租賃公司出資、租賃公司結(jié)合銀行貸款出資、租賃公司結(jié)合銀行權(quán)益方式出資三種情況,確定了相關(guān)參數(shù),并引入凈現(xiàn)值率作為輔助指標(biāo),探討不同情況下三種方式的優(yōu)劣,探討了在此創(chuàng)新合作模式中可能存在的風(fēng)險(xiǎn)以及風(fēng)險(xiǎn)的規(guī)避措施。
[Abstract]:Since 2006, the financial leasing industry has achieved rapid development in China, the scale of enterprise assets has been expanding, the business field has been expanding, but also greatly improved the ability of management and risk control, but at the same time, The market mechanism of the whole industry is still not perfect, and the total and relative quantity of the industry lags behind the developed countries of foreign financial leasing industry. In this case, leasing companies and other financial institutions cross-border cooperation is particularly necessary. On the basis of summarizing the current situation of financial leasing development at home and abroad, this paper analyzes the main problems restricting the development of the industry, and puts forward the idea of developing the innovative mode of financial leasing business in view of these problems. The model of cross-border cooperation structure of financial leasing is constructed, which combines leasing company with bank, trust, securities, insurance and so on, and explores new business forms. This paper focuses on the direct lease mode under the cooperation of "silver lease" as the starting point, constructs the direct lease operation model, and discusses that only the leasing company contributes, and the leasing company combines with the bank loan to contribute. In combination with the three cases of bank equity contribution, the leasing company determines the relevant parameters, and introduces the net present value rate as the auxiliary index to discuss the merits and demerits of the three ways under different circumstances. This paper discusses the possible risks in this innovative cooperation model and the measures to avoid them.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.49

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本文編號(hào)：2335970