我国融资租赁与经济增长的关系研究

发布时间：2018-06-03 08:04

本文选题：融资租赁 + 经济增长　；参考：《西南财经大学》2014年硕士论文

【摘要】：融资租赁,集金融、贸易、服务为一体,以其独特的金融功能成为国际上仅次于银行信贷和资本市场的第三大融资手段。自2007年银监会颁布了《金融租赁管理办法》后,融资租赁业在我国迎来了其第二次高速发展的时期。在我国经济快速发展的背景下,我国融资租赁行业的发展与经济的增长是否有着相互促进的关系?怎样才能更好的发展我国融资租赁行业,并让其支持我国经济健康、快速地发展?这是文研究的目的。带着此研究目的,本文在第一章阐明了融资租赁的研究背景和研究意义,综述了融资租赁行业在国内外的发展历程和各界对于融资租赁的理解,明确了融资租赁在本文中的定义,确定了本文的研究思路以及实证研究和案例研究相结合研究方法并简要总结了本文的创新和不足。在第二章中,本文对于国内外学者在融资租赁中的研究进行了文献综述。发现国内外学者大多将融资租赁的研究范围集中在微观经济领域,从企业的角度出发,研究税收、法律等对于融资租赁在企业中的运用有何影响。还有一些学者从金融衍生品的角度出发,研究融资租赁资产证券化等课题。但是从宏观经济角度出发并且针对我国融资租赁行业来进行相关课题的研究却相对较少,在此基础上,本文建立了我国融资租赁行业与经济增长关系的研究目标。在本文第三章中,通过对融资租赁行业宏观经济效应的主要作用机制的理论分析,得出了融资租赁通过产融结合来促进经济发展这样一个作用机理。因此,本文选择用GDP增长率为因变量、租赁渗透率为自变量来作为两个最有代表性的影响因素,对融资租赁与经济增长的关系来进行实证研究。通过建立线性回归模型,运用ADF检验和随机扰动项单位根检验对模型进行修正,得到本文实证分析的结论,即我国租赁渗透率和GDP增长率呈正相关关系,这表明我国融资租赁业可以促进我国经济的增长。在第四章中,本文以工银租赁作为典型案例,具体分析了融资租赁在我国经济发展中所处的地位和所发挥的作用。通过分析工银租赁的发展历程和其在融资租赁业中的创新实践,本文说明了工银租赁在发展自身的同时也促使了我国融资租赁行业的进步,使融资租赁行业在我国经济发展中的地位日益提高。本文对工银租赁在实践中开展的厂商融资租赁业务、批量直接购机业务、跨境人民币租赁业务这三个租赁项目的经济效应进行分析,进一步证实了融资租赁通过产融结合进而促进经济增长的这一作用机理。根据本文在前面章节的研究,在本文的第五章中,首先总结了对我国融资租赁业与经济增长关系这个研究中的研究结论。本文通过第三章的实证研究和第四章的案例研究得出了以下3个研究结论：1、融资租赁对经济增长具有确定的促进作用；2、租赁业的良性发展是融资租赁良性发展的基础和前提；3、产融结合是融资租赁促进经济增长的具体路径。接着根据本文的研究结论和我国融资租赁发展的实际状况提出了以下4个建议：1、通过稳步推进银行、证券公司、保险公司与融资租赁公司的合作,积极推动理性金融创新；2、进一步发挥融资租赁“融资与融物”相结合的比较优势,全面服务于实体经济的转型发展；3、结合中国经济和金融的全球化进程,前瞻性地推动融资租赁业的国际化；4、通过加强内部风险控制和外部金融监管相结合,有效防范金融风险。本文希望通过提出这些政策建议,为我国将来经济政策的实施和调整提供一份可靠的科学依据。
[Abstract]:Financial leasing, which integrates finance, trade and service, has become the third largest financing means next to bank credit and capital market by its unique financial function. Since the CBRC issued the "financial leasing management method" in 2007, the financial leasing industry ushered in the period of its second rapid development in China. In the context of the exhibition, is there a mutual promotion between the development of financial leasing industry and economic growth in China? How can we better develop the financial leasing industry in our country, and let it support the healthy and rapid development of our economy? This is the purpose of the study.
With the purpose of this study, this paper expounds the research background and significance of financing lease in the first chapter, summarizes the development process of the financial leasing industry at home and abroad and the understanding of the financial lease, clarifies the definition of the financing lease in this article, and confirms the research ideas of this paper and the combination of empirical and case studies. Research methods and brief summary of the innovation and shortcomings of this paper.
In the second chapter, this paper makes a literature review on the research of domestic and foreign scholars in financial leasing. It is found that most scholars at home and abroad focus on the research scope of financial leasing in the microeconomic field. From the perspective of enterprises, how to study the impact of tax and law on the use of financial leasing in enterprises. From the perspective of financial derivatives, research on financing lease asset securitization, but from the perspective of macro economy and the research on the financing leasing industry in China is relatively few. On this basis, this paper establishes the research goal of the relationship between financial leasing industry and economic growth in China.
In the third chapter, through the theoretical analysis of the main mechanism of the macroeconomic effect of the financial leasing industry, the paper draws a conclusion that the financing lease can promote economic development through the combination of production and finance. Therefore, this paper chooses the GDP growth rate as the dependent variable and the leasehold rate as the independent variable as the two most representative figure. This paper makes an empirical study on the relationship between financial leasing and economic growth. By setting up a linear regression model, using ADF test and random perturbation unit root test to modify the model, we get the conclusion of this empirical analysis that China's leasing permeability and the GDP growth rate have a positive correlation, which indicates that the financial leasing industry in China is available. To promote the growth of our country's economy.
In the fourth chapter, the article analyzes the position and role of the financial lease in the economic development of our country by taking the renting of the industrial bank as a typical case, and through the analysis of the development course of the renting of the workers and the innovative practice in the financial leasing industry, this article shows that the renting of the Industrial Bank has also contributed to the development of our country. The progress of the leasing industry has made the financial leasing industry more and more important in the economic development of our country. This paper analyses the economic effects of the three leasing items, such as the financial leasing business of the manufacturer, the direct purchase business and the cross-border RMB leasing business, which has been carried out in practice, and further confirms that the financing lease is produced through the production. The mechanism of integration to further promote economic growth.
According to the research in the preceding chapter, in the fifth chapter of this article, it first summarizes the research conclusions on the relationship between the financial leasing industry and the economic growth in China. This paper draws the following 3 conclusions through the empirical study of the third chapters and the case study of the fourth chapter: 1, the financing lease has a definite promotion to the economic growth. 2, the benign development of the leasing industry is the basis and premise of the benign development of financial leasing. 3, the combination of production and financial leasing is the concrete path to promote the economic growth. Then, according to the conclusions of this paper and the actual situation of the development of financial leasing in China, the following 4 suggestions are put forward: 1, by steadily advancing the bank, the securities company, and the insurance The cooperation between the company and the financing leasing companies actively promotes the rational financial innovation; 2, further play the comparative advantage of the combination of financing and financial leasing, and fully serve the transformation and development of the real economy; 3, combine with the globalization process of China's economy and finance, forward the internationalization of the financial leasing industry in a forward-looking manner; 4, by adding Strong internal risk control and external financial supervision are combined to effectively prevent financial risks. This paper hopes to provide a reliable scientific basis for the implementation and adjustment of our future economic policies by putting forward these policies and suggestions.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.49;F124.1

【参考文献】