经济新常态下融资租赁发展问题研究
发布时间：2018-10-13 12:04
【摘要】：融资租赁在国际上发展至今已有60多年的历史,是经济社会发展到一定阶段的必然产物,具有融资融物和产融结合的典型特征,与银行、保险等传统金融业态相比,融资租赁一方面是一种现代投融资方式,目前在全球范围内,除了银行信贷,已成为第二大债权融资方式;另一方面它又是一种新型资产管理形式。更重要的是,在我国,它不仅形成了独特的行业优势与新型的行业形态,而且对适应经济新常态、推进供给侧结构性改革、契合实体经济转型发展、优化资产结构、完善金融体系建设意义重大。我国融资租赁已经走过了30多年的发展历史。当前,人民群众日益增长的物质文化需求与经济发展质量、效益、结构之间的矛盾依然突出,经济和民生“欠账”多,创新创业环境有待完善,企业特别是中小企业融资渠道传统、单一、融资难、融资贵,土地财政不可持续,政府债务负担沉重,财政支出刚性增长,政府融资渠道收窄,财政金融风险凸显等等,这些问题的解决都对融资租赁有着强烈的需求,为融资租赁的发展提供了广阔的前景。同时,在新常态下,国家实施经济发展新战略,推进创新创业、基建改造、产业升级、民生工程等,都对融资租赁提出新要求,这正是其发展的新动力,因此加快发展融资租赁不仅具有必要性,而且具有紧迫性。全文按照“为什么发展:基于独特优势而蕴含的市场需求与规模,以及国外已有发展经验启示”到“现状与前景:分析面临问题以及新要求潜藏的新动力与机遇”再到“如何发展:从企业、政府角度完善融资租赁发展的路径”的逻辑思路展开研究。在对中外文献研究综述的基础上,首先分析融资租赁的独特优势,旨在说明在经济新常态下,融资租赁依然有其强劲的发展动力与市场优势,同时比较分析国外的发展经验,为我国融资租赁的进一步发展提供启示借鉴;然后提出我国融资租赁发展面临的问题,以及当前新常态下的新要求即融资租赁发展的新动力;最后指出新常态下,融资租赁的发展方向,并从企业与政府两者的角度分别提出了完善融资租赁的路径。
[Abstract]:Financial leasing has a history of more than 60 years in the world. It is the inevitable product of economic and social development to a certain stage. It has the typical characteristics of combination of finance and finance, compared with the traditional financial forms such as bank, insurance and so on. On the one hand, financial lease is a kind of modern investment and financing method. In the world, besides bank credit, it has become the second largest debt financing method, on the other hand, it is a new type of asset management. More importantly, in China, it not only forms a unique industry advantage and a new industry form, but also adapts to the new normal state of the economy, promotes supply-side structural reform, fits the transformation and development of the real economy, and optimizes the asset structure. Improving the financial system is of great significance. China's financial leasing has gone through more than 30 years of development history. At present, the contradictions between the people's growing material and cultural needs and the quality, efficiency, and structure of economic development are still prominent, the economy and the people's livelihood are "behind the bill", and the environment for innovation and entrepreneurship needs to be improved. Enterprises, especially small and medium-sized enterprises, have traditional financing channels, single financing, difficult financing, expensive financing, unsustainable land finance, heavy government debt burden, rigid growth of fiscal expenditure, narrow government financing channels, prominent fiscal and financial risks, and so on. The solution of these problems has strong demand for financial leasing and provides a broad prospect for the development of financial leasing. At the same time, under the new normal, the state has implemented a new strategy for economic development, promoted innovation and entrepreneurship, infrastructure transformation, industrial upgrading, livelihood projects, and so on, all of which have put forward new requirements for financial leasing. This is precisely the new motive force for its development. Therefore, speeding up the development of financial leasing is not only necessary, but also urgent. The full text reads "Why Development: market demand and scale based on unique strengths," And the current situation and prospect of the existing development experience of foreign countries: analysis of the new motive force and opportunity hidden in the face of problems and new demands, and then to how to develop: from enterprises, The logical thinking of the government to perfect the path of the development of financial leasing is studied. On the basis of the review of Chinese and foreign literature, this paper first analyzes the unique advantages of financial leasing, aiming at explaining that under the new normal state of economy, financial leasing still has its strong development power and market advantages, and at the same time, compares and analyzes the development experience of foreign countries. To provide inspiration for the further development of financial leasing in China, then put forward the problems facing the development of financial leasing in China, and the new requirements under the current new normal, that is, the new power of the development of financial leasing, and finally point out that under the new normal, The development direction of financial lease and the path of perfecting financial lease are put forward from the angle of enterprise and government respectively.
【学位授予单位】：四川省社会科学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.49
本文编号：2268552
[Abstract]:Financial leasing has a history of more than 60 years in the world. It is the inevitable product of economic and social development to a certain stage. It has the typical characteristics of combination of finance and finance, compared with the traditional financial forms such as bank, insurance and so on. On the one hand, financial lease is a kind of modern investment and financing method. In the world, besides bank credit, it has become the second largest debt financing method, on the other hand, it is a new type of asset management. More importantly, in China, it not only forms a unique industry advantage and a new industry form, but also adapts to the new normal state of the economy, promotes supply-side structural reform, fits the transformation and development of the real economy, and optimizes the asset structure. Improving the financial system is of great significance. China's financial leasing has gone through more than 30 years of development history. At present, the contradictions between the people's growing material and cultural needs and the quality, efficiency, and structure of economic development are still prominent, the economy and the people's livelihood are "behind the bill", and the environment for innovation and entrepreneurship needs to be improved. Enterprises, especially small and medium-sized enterprises, have traditional financing channels, single financing, difficult financing, expensive financing, unsustainable land finance, heavy government debt burden, rigid growth of fiscal expenditure, narrow government financing channels, prominent fiscal and financial risks, and so on. The solution of these problems has strong demand for financial leasing and provides a broad prospect for the development of financial leasing. At the same time, under the new normal, the state has implemented a new strategy for economic development, promoted innovation and entrepreneurship, infrastructure transformation, industrial upgrading, livelihood projects, and so on, all of which have put forward new requirements for financial leasing. This is precisely the new motive force for its development. Therefore, speeding up the development of financial leasing is not only necessary, but also urgent. The full text reads "Why Development: market demand and scale based on unique strengths," And the current situation and prospect of the existing development experience of foreign countries: analysis of the new motive force and opportunity hidden in the face of problems and new demands, and then to how to develop: from enterprises, The logical thinking of the government to perfect the path of the development of financial leasing is studied. On the basis of the review of Chinese and foreign literature, this paper first analyzes the unique advantages of financial leasing, aiming at explaining that under the new normal state of economy, financial leasing still has its strong development power and market advantages, and at the same time, compares and analyzes the development experience of foreign countries. To provide inspiration for the further development of financial leasing in China, then put forward the problems facing the development of financial leasing in China, and the new requirements under the current new normal, that is, the new power of the development of financial leasing, and finally point out that under the new normal, The development direction of financial lease and the path of perfecting financial lease are put forward from the angle of enterprise and government respectively.
【学位授予单位】：四川省社会科学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.49
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