發(fā)布時間：2019-04-08 13:09

【摘要】：現(xiàn)如今,經(jīng)濟(jì)全球化的進(jìn)程不斷深入,并且隨著我國十八大三中全會的順利召開,都在不斷地強(qiáng)調(diào)著金融業(yè)的深化改革問題,擴(kuò)大金融業(yè)對內(nèi)對外開放,完善金融市場體系。融資租賃業(yè)作為金融市場上重要的組成部分,具有集金融、貿(mào)易和服務(wù)為一體,融資與融物相結(jié)合的特點,為中小企業(yè)提供了一種全新的融資模式。然而,在我國傳統(tǒng)的融資租賃模式下,其發(fā)展受到了一定程度的制約。 本文首先系統(tǒng)地分析了融資租賃渠道商運營的基本模式,包括渠道商分別為承租人、設(shè)備廠商以及融資租賃公司代理的流程模式,并概括了融資租賃渠道商經(jīng)營模式的基本特征。其次,本文詳細(xì)研究了融資租賃渠道商的介入對租賃市場產(chǎn)生的影響。一方面,分別從防范信息不對稱的角度,降低交易成本從而增加社會福利效用的角度,以及提供后續(xù)附加服務(wù)從而為相關(guān)各方創(chuàng)造附加價值的角度來討論其帶來的積極影響；另一方面,從新的委托代理關(guān)系的協(xié)調(diào)機(jī)制設(shè)計,信用風(fēng)險度量模型的篩選以及監(jiān)管環(huán)境的變化等角度來分析其帶來的新的問題以及應(yīng)對措施。最后,以成都X投資管理有限公司為案例,通過對該公司實際的經(jīng)營范圍,業(yè)務(wù)流程,行業(yè)影響等方面進(jìn)行分析,理論聯(lián)系實際,從案例中總結(jié)經(jīng)驗,發(fā)現(xiàn)問題,獲得啟示,完善理論。最終得出結(jié)論,并為融資租賃渠道商在實際中的發(fā)展提出改善建議。
[Abstract]:At present, the process of economic globalization continues to deepen, and with the smooth convening of the third Plenary session of the 18th National Congress of China, they are constantly emphasizing the deepening reform of the financial industry, expanding the opening of the financial industry to the outside world, and perfecting the financial market system. As an important part of the financial market, the financial leasing industry has the characteristics of integrating finance, trade and services, and combining financing with financial materials, which provides a new financing mode for small and medium-sized enterprises. However, under the traditional mode of financial lease in China, its development has been restricted to a certain extent. Firstly, this paper systematically analyzes the basic mode of the operation of the financial leasing channel, including the process model of the channel operator being the lessee, the equipment manufacturer and the agent of the financial leasing company. And summarized the basic characteristics of the financial leasing channel business model. Secondly, this paper studies the influence of the financial leasing channel intervention on the leasing market in detail. On the one hand, from the angle of preventing information asymmetry, reducing transaction cost and increasing social welfare utility, as well as providing follow-up additional services to create additional value for the relevant parties to discuss its positive impact; On the other hand, this paper analyzes the new problems brought about by the new principal-agent relationship, including the design of the coordination mechanism, the selection of the credit risk measurement model and the change of the regulatory environment, and the corresponding measures. Finally, taking Chengdu X Investment Management Co., Ltd. as an example, through the analysis of the actual business scope, business process, industry impact and other aspects of the company, the theory connects with practice, summarizes the experience from the case, discovers the problems, and obtains the enlightenment. Perfect the theory. Finally draw a conclusion, and put forward improvement suggestions for the development of financial leasing channel in practice.
【學(xué)位授予單位】：貴州財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.49

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