本文選題：農(nóng)業(yè)機(jī)械化　切入點(diǎn)：農(nóng)機(jī)融資租賃　出處：《天津財(cái)經(jīng)大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：融資租賃是當(dāng)今世界一項(xiàng)重要的融資工具,我國(guó)引入融資租賃這一工具的時(shí)間相對(duì)于其它發(fā)達(dá)國(guó)家較晚,但是融資租賃這一工具引入我國(guó)之后快速發(fā)展。尤其是近10年我國(guó)融資租賃出現(xiàn)了井噴式發(fā)展,極大拉動(dòng)了我國(guó)工程設(shè)備的投資。農(nóng)機(jī)融資租賃發(fā)展相對(duì)于其他行業(yè)的融資租賃業(yè)務(wù)發(fā)展較為緩慢,這與我國(guó)的基本國(guó)情有關(guān),因?yàn)槲覈?guó)農(nóng)業(yè)分散經(jīng)營(yíng),不利于大型農(nóng)機(jī)設(shè)備的應(yīng)用;制約我國(guó)農(nóng)機(jī)租賃業(yè)務(wù)的發(fā)展。近幾年,我國(guó)政府加快農(nóng)業(yè)現(xiàn)代化的進(jìn)程,尤其本屆政府高度重視農(nóng)業(yè)的現(xiàn)代化發(fā)展,鼓勵(lì)農(nóng)業(yè)適度規(guī)�；�(jīng)營(yíng),探索農(nóng)用地兩權(quán)分離,鼓勵(lì)土地流轉(zhuǎn)。隨著這些政策落實(shí)普及,我國(guó)農(nóng)業(yè)機(jī)械化將迎來(lái)快速的發(fā)展,為我國(guó)農(nóng)機(jī)融資租賃業(yè)務(wù)的發(fā)展提供了外在條件。同時(shí),農(nóng)機(jī)融資租賃可以有效緩解農(nóng)村抵押不足這一問(wèn)題;相對(duì)于銀行按揭銷(xiāo)售方式,融資租賃具有對(duì)銀行的依賴(lài)程度更低,在形式與內(nèi)容上更為靈活的這一內(nèi)在優(yōu)勢(shì)。這決定在未來(lái)幾年農(nóng)機(jī)融資租賃將有巨大的發(fā)展?jié)摿�。我�?guó)農(nóng)機(jī)融資租賃具有廣闊的市場(chǎng)前景,但是農(nóng)業(yè)屬于高風(fēng)險(xiǎn)、低收益的行業(yè),農(nóng)機(jī)作業(yè)地點(diǎn)較為偏遠(yuǎn),而且分散;因此,我國(guó)農(nóng)機(jī)融資租賃面臨的發(fā)展困難也著實(shí)艱巨。而且農(nóng)機(jī)作業(yè)區(qū)域分布差異大、農(nóng)村信用缺失、信息不對(duì)稱(chēng)與追索成本高、國(guó)家政策滯后、二手市場(chǎng)與其他輔助市場(chǎng)的缺失等因素制約了我國(guó)農(nóng)機(jī)融資租賃業(yè)務(wù)的發(fā)展。本文通過(guò)對(duì)我國(guó)農(nóng)機(jī)租賃的現(xiàn)狀的研究和對(duì)國(guó)外農(nóng)機(jī)流通經(jīng)驗(yàn)的總結(jié)。提出以下建議:就農(nóng)機(jī)融資租賃公司而言,一是,加強(qiáng)業(yè)務(wù)創(chuàng)新,引入售后回租向存量要業(yè)務(wù);二是,引入互聯(lián)網(wǎng)金融、資產(chǎn)證券化,解決融資問(wèn)題;三是,加強(qiáng)與地方政府合作。就國(guó)家與政府而言,一是,引導(dǎo)成立農(nóng)機(jī)融資租賃行業(yè)協(xié)會(huì),整合資源創(chuàng)新服務(wù),加強(qiáng)農(nóng)村信用環(huán)境建設(shè);二是,加強(qiáng)對(duì)農(nóng)機(jī)融資租賃的稅收優(yōu)惠與金融支持;三是,鼓勵(lì)二手農(nóng)機(jī)市場(chǎng)與保險(xiǎn)等輔助市場(chǎng)的建立。
[Abstract]:Finance lease is an important financing tool in the world today. The time of introducing financial lease in China is later than that in other developed countries. However, financial leasing has developed rapidly since it was introduced into China, especially in the past 10 years. The development of agricultural machinery financing lease is slower than that of other industries, which is related to the basic national conditions of our country, because of the decentralized management of agriculture in our country. In recent years, the government of our country speeds up the process of agricultural modernization, especially this government attaches great importance to the development of agricultural modernization, and encourages the moderate scale management of agriculture. Explore the separation of agricultural land rights and encourage land circulation. With the implementation and popularization of these policies, China's agricultural mechanization will usher in rapid development, which provides external conditions for the development of agricultural machinery financing and leasing business in China. Agricultural machinery financing lease can effectively alleviate the problem of insufficient mortgage in rural areas; compared with bank mortgage sales, financial lease has a lower degree of dependence on banks. The inherent advantage of being more flexible in form and content. This determines that there will be great development potential in agricultural machinery financing lease in the next few years. In China, agricultural machinery financing lease has a broad market prospect, but agriculture is of high risk. In low-income industries, agricultural machinery operations are more remote and scattered; therefore, the development of agricultural machinery financing leasing in China is also very difficult. Moreover, the distribution of agricultural machinery operations varies greatly, and the rural credit is missing. Information asymmetry and recourse costs are high, and national policies lag behind. The lack of secondary market and other auxiliary markets has restricted the development of agricultural machinery leasing business in China. Through the research on the current situation of agricultural machinery leasing in China and the summary of the circulation experience of foreign agricultural machinery, the following construction is put forward in this paper. As far as agricultural machinery finance leasing companies are concerned, First, to strengthen business innovation and introduce after-sale leasing to the stock business; second, to introduce Internet finance and asset securitization to solve the financing problem; and third, to strengthen cooperation with local governments. As far as the state and government are concerned, the first is, To guide the establishment of the Agricultural Machinery Finance Lease Industry Association, to integrate the innovative services of resources, and to strengthen the construction of the rural credit environment; second, to strengthen tax incentives and financial support for agricultural machinery financing leases; and third, Encourage the establishment of secondary agricultural machinery market and insurance and other auxiliary markets.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F323.3;F832.49

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