本文選題：融資租賃　切入點(diǎn)：業(yè)務(wù)模式　出處：《南京大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：半個(gè)世紀(jì)以前,融資租賃于美國(guó)誕生,之后此種業(yè)務(wù)模式在全球被迅速?gòu)?fù)制和發(fā)展。發(fā)展至今,融資租賃已與銀行貸款、資本市場(chǎng)隱隱成"三足鼎立"之勢(shì),為企業(yè)的發(fā)展提供強(qiáng)大的助力。我國(guó)的融資租賃行業(yè)發(fā)展較晚,開(kāi)始于上世紀(jì)80年代,在早期發(fā)展緩慢,直到近年才開(kāi)始快速增長(zhǎng)。據(jù)統(tǒng)計(jì),至2015年底,國(guó)內(nèi)融資租賃企業(yè)共成立4508家,有實(shí)際經(jīng)營(yíng)業(yè)務(wù)者約1350家,注冊(cè)資本達(dá)1022億元。隨著競(jìng)爭(zhēng)的加劇及經(jīng)濟(jì)下行的壓力,2016年融資租賃行業(yè)的發(fā)展并不樂(lè)觀,業(yè)內(nèi)競(jìng)爭(zhēng)日趨激烈,行業(yè)利潤(rùn)持續(xù)下滑,而行業(yè)的系統(tǒng)性風(fēng)險(xiǎn)卻在逐漸加大。如果繼續(xù)只盯著政府平臺(tái)的話,可能會(huì)給企業(yè)帶來(lái)滅頂之災(zāi),中小型融資租賃企業(yè)如何加強(qiáng)自身能力、提高業(yè)務(wù)水平,如何在越加激烈的競(jìng)爭(zhēng)環(huán)境中做強(qiáng)做大,是一個(gè)值得融資租賃從業(yè)者深入思考的問(wèn)題。本文以筆者工作的A公司為研究對(duì)象,通過(guò)研究融資租賃項(xiàng)目的整個(gè)流程,分析了 A公司過(guò)去所投放項(xiàng)目的具體情況,運(yùn)用SPSS22.0軟件對(duì)所投放的157個(gè)項(xiàng)目進(jìn)行實(shí)證分析,分析相關(guān)因素對(duì)公司內(nèi)部收益率的影響大小,希望可以從中發(fā)現(xiàn)融資租賃快速發(fā)展的關(guān)鍵環(huán)節(jié),找出融資租賃業(yè)務(wù)當(dāng)前面臨的問(wèn)題及分析其產(chǎn)生的原因。通過(guò)對(duì)這些問(wèn)題的產(chǎn)生原因和解決方案的詳細(xì)闡述,加深了對(duì)融資租賃行業(yè)的理解,同時(shí)通過(guò)分析A公司在近幾年發(fā)展中的經(jīng)驗(yàn)教訓(xùn),希望可以為后期的發(fā)展提供一些經(jīng)驗(yàn)。在撰寫(xiě)本文期間,A公司還依然在進(jìn)行著業(yè)務(wù)模式的創(chuàng)新研究,本文所提出的業(yè)務(wù)模式及商務(wù)策略均從實(shí)踐中積累得出,另外筆者根據(jù)MBA期間的學(xué)習(xí),加入了一些更為合理的分析方法,希望可以對(duì)融資租賃的業(yè)務(wù)發(fā)展提供一些有益的幫助。
[Abstract]:Half a century ago, financial leasing was born in the United States, and then this business model was copied and developed rapidly in the world. Up to now, financial leasing and bank loans have become the "triple stand" trend of the capital market. China's financial leasing industry developed relatively late, began in -20s, in the early development of slow, until recent years began to grow rapidly. According to statistics, until end of 2015, A total of 4,508 domestic financial leasing enterprises have been set up, with about 1,350 actual business operators, with a registered capital of 102.2 billion yuan. With the intensification of competition and the downward pressure of the economy, in 2016, the development of the financial leasing industry was not optimistic, and the competition in the industry became increasingly fierce. Industry profits continue to decline, while the systemic risks in the industry are gradually increasing. If you continue to focus on government platforms, it may bring disaster to enterprises. How can small and medium-sized financial leasing enterprises strengthen their own capabilities and improve their business level? How to be stronger and bigger in the increasingly competitive environment is a problem worthy to be deeply considered by the financial leasing practitioners. This paper takes Company A as the research object and studies the whole process of the financial leasing project. This paper analyzes the specific situation of the projects put in by Company A in the past, makes an empirical analysis of 157 projects carried out by using SPSS22.0 software, and analyzes the influence of relevant factors on the internal rate of return of the company. I hope to find out the key link of the rapid development of financial leasing, find out the current problems facing the business of financial leasing and analyze the causes of its emergence. Through the detailed explanation of the causes of these problems and solutions, It has deepened the understanding of the financial leasing industry and analyzed the experiences and lessons of A Company in recent years. We hope to provide some experience for the later development. At the time of writing this article, company A is still carrying out innovative research on business model. The business model and business strategy proposed in this paper are accumulated from practice. In addition, according to the study of MBA, the author adds some more reasonable analysis methods, hoping to provide some useful help to the business development of financial leasing.
【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】：2017
【分類(lèi)號(hào)】：F832.39

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