【摘要】：在國際金融市場,融資租賃是除了銀行信貸以外最大的資本提供機構(gòu),而我國融資租賃業(yè)開展近三十多年(1981年-至今)卻仍停留在業(yè)務(wù)發(fā)展初期階段。近年來融資租賃業(yè)的蓬勃發(fā)展,特別是2013年第三方融資租賃機構(gòu)數(shù)量呈現(xiàn)爆發(fā)性增長(由2012年的560家增加到1026家)說明了國內(nèi)經(jīng)濟(jì)發(fā)展對資金技術(shù)的需求日益加大。第三方融資租賃公司作為行業(yè)特點最為鮮明的融資租賃服務(wù)機構(gòu),其發(fā)展對融資租賃行業(yè)影響巨大,甚至可以認(rèn)為其決定了融資租賃行業(yè)在中國的滲透率。第三方融資租賃公司目前的發(fā)展存在很多問題,在資金、市場和專業(yè)化水平上都處于劣勢,與同行業(yè)其他類型(銀行系、廠商系)融資租賃公司之間也存在著較大的差距。為了尋求更好的發(fā)展,第三方融資租賃公司要積極推動業(yè)務(wù)創(chuàng)新工作,按照從實際出發(fā)、依法創(chuàng)新、長遠(yuǎn)規(guī)劃的原則,尋求解決問題的途徑和合作伙伴,修煉企業(yè)內(nèi)部管理。在文章中我們通過資金渠道拓展、客戶群體多元化、專業(yè)化建設(shè)和業(yè)務(wù)流程改造來實現(xiàn)第三方融資租賃公司的業(yè)務(wù)創(chuàng)新。資金渠道創(chuàng)新上主要是與資本市場相結(jié)合,只有資本市場才能提供適合融資租賃項目開展的長期穩(wěn)定資金。客戶群體多元化主要是希望第三方融資租賃公司改變現(xiàn)有的依靠利差盈利的模式,尋找合適的客戶群體發(fā)展成為集金融、貿(mào)易、服務(wù)為一體的專業(yè)化機構(gòu)。業(yè)務(wù)創(chuàng)新不僅要有外部拓展還需要內(nèi)部支撐,因此我們把專業(yè)屬性建設(shè)和業(yè)務(wù)流程改造也作為創(chuàng)新的一個部分,通過內(nèi)外結(jié)合補充完善第三方融資租賃公司新的業(yè)務(wù)模式以適應(yīng)新的競爭和挑戰(zhàn)。業(yè)務(wù)創(chuàng)新的過程中出現(xiàn)了新的合作伙伴,引進(jìn)了新的人員,擁有了新的物權(quán),增加了新的業(yè)務(wù)程序,第三方融資租賃公司要充分認(rèn)識到創(chuàng)新過程中風(fēng)險的存在并加以控制。本文依據(jù)風(fēng)險管理相關(guān)理論,結(jié)合實際工作的開展,通過明確風(fēng)險存在的具體環(huán)節(jié),分析風(fēng)險形成的機理,將風(fēng)險規(guī)避、風(fēng)險轉(zhuǎn)移、風(fēng)險防范等風(fēng)險控制手段落實到業(yè)務(wù)創(chuàng)新的各個環(huán)節(jié),希望通過研究把第三方融資租賃公司在業(yè)務(wù)創(chuàng)新中產(chǎn)生的風(fēng)險降到最低。本文希望通過業(yè)務(wù)創(chuàng)新和風(fēng)險控制相結(jié)合的研究,真正做到從實際出發(fā)針對具體問題具體分析。以為第三方融資租賃公司提供企業(yè)發(fā)展的具體戰(zhàn)略作為論文的核心指導(dǎo)思想,結(jié)合MBA的理論知識運用金融工具和金融風(fēng)險管理學(xué)知識,為第三方融資租賃公司的長遠(yuǎn)發(fā)展提供切實可行的幫助。
[Abstract]:In the international financial market, financial leasing is the largest capital provider in addition to bank credit. However, the finance leasing industry in China is still in the initial stage of business development for more than 30 years (1981-present). The booming financial leasing industry in recent years, especially the explosive growth in the number of third-party financial leasing institutions in 2013 (from 560 in 2012 to 1026), illustrates the growing demand for financial technology in the domestic economy. As the most distinctive financial leasing service organization, the development of third-party financial leasing companies has a great impact on the financial leasing industry, and it can even be considered that it determines the penetration of the financial leasing industry in China. There are many problems in the development of third-party financial leasing companies at present. They are all at a disadvantage in capital, market and specialization level, and there is also a big gap between them and other types of financial leasing companies in the same industry (bank department, firm department). In order to seek better development, third-party financial leasing companies should actively promote business innovation, according to the principle of practical, legal innovation and long-term planning, seek ways and partners to solve the problems, and train the internal management of enterprises. In this paper, we realize the business innovation of the third party financial leasing company through the expansion of the capital channel, the diversification of the customer group, the specialized construction and the business process transformation. Capital channel innovation is mainly combined with the capital market, only the capital market can provide long-term stable funds suitable for financing leasing projects. It is hoped that the third party financial leasing company will change the existing profit model of interest margin and find a suitable customer group to develop into a specialized institution which integrates finance, trade and service. Business innovation needs not only external expansion but also internal support. Therefore, we also regard professional attribute building and business process transformation as a part of innovation. In order to adapt to the new competition and challenge, the new business model of the third party financial leasing company is improved through the combination of internal and external. In the process of business innovation, new partners have appeared, new personnel have been introduced, new real right has been acquired, and new business procedures have been added. Third party financial leasing companies should fully realize the existence of risks in the process of innovation and control them. According to the theory of risk management and the development of practical work, this paper analyzes the mechanism of risk formation by making clear the concrete link of risk, and transfers the risk to avoid and transfer the risk. Risk control means such as risk prevention and so on are implemented to every link of business innovation, hoping to reduce the risk of third-party financial leasing company in business innovation to the minimum through the research. This paper hopes that through the combination of business innovation and risk control, we can really analyze the specific problems from the practical point of view. The core guiding ideology of the thesis is to provide the specific strategy of the enterprise development for the third party financial leasing company. Combining with the theory knowledge of MBA, the paper applies financial instruments and financial risk management knowledge. To provide practical and practical assistance for the long-term development of third-party financial leasing companies.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.39

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