金融租赁直租模式中的跨界合作模型研究
发布时间：2018-11-16 16:07
【摘要】：自2006年以来,金融租赁行业在我国实现了迅猛发展,企业资产规模不断扩大,业务领域不断延伸,也很大程度地提升了经营管理能力和风险控制能力,但与此同时,整个行业的市场机制还是不够完善,行业的总量和相对量都落后于国外的金融租赁产业发达国家。在这样的情况下,租赁公司与其他金融机构的跨界合作显得格外必要。本文在综述国内外金融租赁发展现状的基础上,分析了限制行业发展的主要问题,并针对这些问题,提出了开展金融租赁业务创新模式的思路,构建金融租赁跨界合作结构模型,将租赁公司与银行、信托、证券、保险等机构结合起来,探索新的业务形式。文章重点以“银租”合作情况下的直接租赁模式为切入点,构建了直租运作模型,讨论了只有租赁公司出资、租赁公司结合银行贷款出资、租赁公司结合银行权益方式出资三种情况,确定了相关参数,并引入净现值率作为辅助指标,探讨不同情况下三种方式的优劣,探讨了在此创新合作模式中可能存在的风险以及风险的规避措施。
[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.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.49
本文编号：2335970
[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.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.49
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