融资租赁渠道商的运营模式研究
发布时间：2019-04-08 13:09
【摘要】：现如今,经济全球化的进程不断深入,并且随着我国十八大三中全会的顺利召开,都在不断地强调着金融业的深化改革问题,扩大金融业对内对外开放,完善金融市场体系。融资租赁业作为金融市场上重要的组成部分,具有集金融、贸易和服务为一体,融资与融物相结合的特点,为中小企业提供了一种全新的融资模式。然而,在我国传统的融资租赁模式下,其发展受到了一定程度的制约。 本文首先系统地分析了融资租赁渠道商运营的基本模式,包括渠道商分别为承租人、设备厂商以及融资租赁公司代理的流程模式,并概括了融资租赁渠道商经营模式的基本特征。其次,本文详细研究了融资租赁渠道商的介入对租赁市场产生的影响。一方面,分别从防范信息不对称的角度,降低交易成本从而增加社会福利效用的角度,以及提供后续附加服务从而为相关各方创造附加价值的角度来讨论其带来的积极影响；另一方面,从新的委托代理关系的协调机制设计,信用风险度量模型的筛选以及监管环境的变化等角度来分析其带来的新的问题以及应对措施。最后,以成都X投资管理有限公司为案例,通过对该公司实际的经营范围,业务流程,行业影响等方面进行分析,理论联系实际,从案例中总结经验,发现问题,获得启示,完善理论。最终得出结论,并为融资租赁渠道商在实际中的发展提出改善建议。
[Abstract]:At present, the process of economic globalization continues to deepen, and with the smooth convening of the third Plenary session of the 18th National Congress of China, they are constantly emphasizing the deepening reform of the financial industry, expanding the opening of the financial industry to the outside world, and perfecting the financial market system. As an important part of the financial market, the financial leasing industry has the characteristics of integrating finance, trade and services, and combining financing with financial materials, which provides a new financing mode for small and medium-sized enterprises. However, under the traditional mode of financial lease in China, its development has been restricted to a certain extent. Firstly, this paper systematically analyzes the basic mode of the operation of the financial leasing channel, including the process model of the channel operator being the lessee, the equipment manufacturer and the agent of the financial leasing company. And summarized the basic characteristics of the financial leasing channel business model. Secondly, this paper studies the influence of the financial leasing channel intervention on the leasing market in detail. On the one hand, from the angle of preventing information asymmetry, reducing transaction cost and increasing social welfare utility, as well as providing follow-up additional services to create additional value for the relevant parties to discuss its positive impact; On the other hand, this paper analyzes the new problems brought about by the new principal-agent relationship, including the design of the coordination mechanism, the selection of the credit risk measurement model and the change of the regulatory environment, and the corresponding measures. Finally, taking Chengdu X Investment Management Co., Ltd. as an example, through the analysis of the actual business scope, business process, industry impact and other aspects of the company, the theory connects with practice, summarizes the experience from the case, discovers the problems, and obtains the enlightenment. Perfect the theory. Finally draw a conclusion, and put forward improvement suggestions for the development of financial leasing channel in practice.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.49
本文编号：2454606
[Abstract]:At present, the process of economic globalization continues to deepen, and with the smooth convening of the third Plenary session of the 18th National Congress of China, they are constantly emphasizing the deepening reform of the financial industry, expanding the opening of the financial industry to the outside world, and perfecting the financial market system. As an important part of the financial market, the financial leasing industry has the characteristics of integrating finance, trade and services, and combining financing with financial materials, which provides a new financing mode for small and medium-sized enterprises. However, under the traditional mode of financial lease in China, its development has been restricted to a certain extent. Firstly, this paper systematically analyzes the basic mode of the operation of the financial leasing channel, including the process model of the channel operator being the lessee, the equipment manufacturer and the agent of the financial leasing company. And summarized the basic characteristics of the financial leasing channel business model. Secondly, this paper studies the influence of the financial leasing channel intervention on the leasing market in detail. On the one hand, from the angle of preventing information asymmetry, reducing transaction cost and increasing social welfare utility, as well as providing follow-up additional services to create additional value for the relevant parties to discuss its positive impact; On the other hand, this paper analyzes the new problems brought about by the new principal-agent relationship, including the design of the coordination mechanism, the selection of the credit risk measurement model and the change of the regulatory environment, and the corresponding measures. Finally, taking Chengdu X Investment Management Co., Ltd. as an example, through the analysis of the actual business scope, business process, industry impact and other aspects of the company, the theory connects with practice, summarizes the experience from the case, discovers the problems, and obtains the enlightenment. Perfect the theory. Finally draw a conclusion, and put forward improvement suggestions for the development of financial leasing channel in practice.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.49
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