A融资租赁公司业务发展分析

发布时间：2018-03-08 22:38

本文选题：融资租赁　切入点：业务模式　出处：《南京大学》2017年硕士论文　论文类型：学位论文

【摘要】：半个世纪以前,融资租赁于美国诞生,之后此种业务模式在全球被迅速复制和发展。发展至今,融资租赁已与银行贷款、资本市场隐隐成"三足鼎立"之势,为企业的发展提供强大的助力。我国的融资租赁行业发展较晚,开始于上世纪80年代,在早期发展缓慢,直到近年才开始快速增长。据统计,至2015年底,国内融资租赁企业共成立4508家,有实际经营业务者约1350家,注册资本达1022亿元。随着竞争的加剧及经济下行的压力,2016年融资租赁行业的发展并不乐观,业内竞争日趋激烈,行业利润持续下滑,而行业的系统性风险却在逐渐加大。如果继续只盯着政府平台的话,可能会给企业带来灭顶之灾,中小型融资租赁企业如何加强自身能力、提高业务水平,如何在越加激烈的竞争环境中做强做大,是一个值得融资租赁从业者深入思考的问题。本文以笔者工作的A公司为研究对象,通过研究融资租赁项目的整个流程,分析了 A公司过去所投放项目的具体情况,运用SPSS22.0软件对所投放的157个项目进行实证分析,分析相关因素对公司内部收益率的影响大小,希望可以从中发现融资租赁快速发展的关键环节,找出融资租赁业务当前面临的问题及分析其产生的原因。通过对这些问题的产生原因和解决方案的详细阐述,加深了对融资租赁行业的理解,同时通过分析A公司在近几年发展中的经验教训,希望可以为后期的发展提供一些经验。在撰写本文期间,A公司还依然在进行着业务模式的创新研究,本文所提出的业务模式及商务策略均从实践中积累得出,另外笔者根据MBA期间的学习,加入了一些更为合理的分析方法,希望可以对融资租赁的业务发展提供一些有益的帮助。
[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.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39

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