我国农机融资租赁问题的研究

发布时间：2018-03-17 23:30

本文选题：农业机械化　切入点：农机融资租赁　出处：《天津财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：融资租赁是当今世界一项重要的融资工具,我国引入融资租赁这一工具的时间相对于其它发达国家较晚,但是融资租赁这一工具引入我国之后快速发展。尤其是近10年我国融资租赁出现了井喷式发展,极大拉动了我国工程设备的投资。农机融资租赁发展相对于其他行业的融资租赁业务发展较为缓慢,这与我国的基本国情有关,因为我国农业分散经营,不利于大型农机设备的应用;制约我国农机租赁业务的发展。近几年,我国政府加快农业现代化的进程,尤其本届政府高度重视农业的现代化发展,鼓励农业适度规模化经营,探索农用地两权分离,鼓励土地流转。随着这些政策落实普及,我国农业机械化将迎来快速的发展,为我国农机融资租赁业务的发展提供了外在条件。同时,农机融资租赁可以有效缓解农村抵押不足这一问题;相对于银行按揭销售方式,融资租赁具有对银行的依赖程度更低,在形式与内容上更为灵活的这一内在优势。这决定在未来几年农机融资租赁将有巨大的发展潜力。我国农机融资租赁具有广阔的市场前景,但是农业属于高风险、低收益的行业,农机作业地点较为偏远,而且分散;因此,我国农机融资租赁面临的发展困难也着实艰巨。而且农机作业区域分布差异大、农村信用缺失、信息不对称与追索成本高、国家政策滞后、二手市场与其他辅助市场的缺失等因素制约了我国农机融资租赁业务的发展。本文通过对我国农机租赁的现状的研究和对国外农机流通经验的总结。提出以下建议:就农机融资租赁公司而言,一是,加强业务创新,引入售后回租向存量要业务;二是,引入互联网金融、资产证券化,解决融资问题;三是,加强与地方政府合作。就国家与政府而言,一是,引导成立农机融资租赁行业协会,整合资源创新服务,加强农村信用环境建设;二是,加强对农机融资租赁的税收优惠与金融支持;三是,鼓励二手农机市场与保险等辅助市场的建立。
[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.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F323.3;F832.49

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