H公司融资租赁业务创新动因与方案设计

发布时间：2018-05-31 02:03

本文选题：融资租赁 + 商务模式　；参考：《厦门大学》2013年硕士论文

【摘要】：尽管我国融资租赁业发展至今,已经历30多年,但真正进入快速成长阶段大概是从2006年开始。这段时间里,每年新签融资租赁合同金额从2006年的80亿元,达到2012年的15500亿元,增长了近193倍；融资租赁企业数量从2006年的不到50家,增加到2012年的560家,也增加了10多倍。而且融资租赁企业经营规模和经营能力显著提高,服务领域、业务范围不断拓展,已经从交通运输、工业装备、工程建筑等传统领域,逐步向农业、医疗、文化教育等新兴领域拓展,部分企业开始走向国际化道路[1]。在融资租赁行业爆发式增长的同时,我们也要看到,租赁行业内竞争日趋激烈,行业利润率有下降趋势,企业面临的系统性风险逐渐加大,一些缺乏行业经验的中小企业在生存线上苦苦挣扎。针对这些现象,本文以一家创立年限不久的独立机构类融资租赁公司——H公司为例,利用商务模式创新理论,分析它在成长过程中面对的几个最有代表性的问题：业务范围如何定位、怎样确定交易模式、如何开拓新的融资渠道和怎样控制风险。通过对这些问题的产生原因和解决方案的详细阐述,论证中小融资租赁企业要实现从生存到发展的快速突破,成功进行商务模式创新是其必要条件。本文创新之处在于,以融资租赁行业为背景,通过分析H公司的商务模式创新的成功经验,为那些在金融服务领域的创业者们提供借鉴。
[Abstract]:Although China's financial leasing industry has been developing for more than 30 years, it has really entered the stage of rapid growth from 2006. In this period, the amount of newly signed financing lease contracts is 8 billion yuan from 2006 to 15500 billion yuan in 2012, up by nearly 193 times, and the number of financial leasing enterprises has increased to 2 from less than 50 in 2006. The 560 in 012 years has also increased by more than 10 times. Moreover, the business scale and management ability of the financing leasing enterprises have been greatly improved. The service areas and business scope have been expanded continuously. It has gradually expanded from the traditional fields such as transportation, industrial equipment, engineering and construction and so on, gradually to the new fields such as agriculture, medical treatment, culture and education and so on. Some enterprises have begun to move towards the international road [ 1].
At the same time of the explosive growth of the financial leasing industry, we should also see that the competition in the leasing industry is becoming increasingly fierce, the profit rate of the industry is declining, the systemic risk of the enterprises is gradually increasing, and some small and medium enterprises which lack the experience of the industry are struggling in the survival line.
In view of these phenomena, this paper, taking an independent financial leasing company, H company, as an example, uses business model innovation theory to analyze some of the most representative problems it faces in the process of growth: how to locate the business scope, how to determine the trading mode, and how to open up the new financing channels and how to do it Through the detailed exposition of the causes and solutions of these problems, it is demonstrated that small and medium financing leasing enterprises should achieve rapid breakthroughs from survival to development, and successful business model innovation is a necessary condition.
The innovation of this paper is to provide reference for entrepreneurs in the field of financial services by analyzing the successful experience of H company's business model innovation based on the financing leasing industry.
【学位授予单位】：厦门大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.49

【参考文献】