金融租赁业务在中小企业融资中的应用问题
摘要
在全球经济格局不断变化和市场竞争加剧的背景下，中小企业作为经济发展的重要驱动力，其成长与发展对于促进就业、激发市场活力、推动技术创新等方面具有不可替代的作用。然而，长期以来，中小企业融资难、融资贵的问题一直是制约其发展的瓶颈。传统融资渠道如银行贷款往往因中小企业信用评级低、抵押物不足等原因而难以获得足够的资金支持。因此，本文围绕金融租赁业务在中小企业融资中的应用问题展开研究，首先梳理了国内外相关研究现状，并阐述了金融租赁业务的定义、特点以及中小企业融资相关理论。随后，通过案例分析和文献综述等方法，深入剖析了金融租赁业务在中小企业融资过程中面临的法律法规不完善、融资渠道单一、风险控制与管理难题以及中小企业自身条件限制等问题。针对这些问题，本文提出了完善法律法规体系、拓宽融资渠道、强化风险控制与管理机制以及提升中小企业综合实力等对策建议。本文的研究对于促进金融租赁业务在中小企业融资中的广泛应用，提高中小企业融资效率，推动中小企业健康发展具有重要的理论和实践意义。
关键词：金融租赁；中小企业融资；法律法规；风险控制；融资渠道
Abstract
In the context of the changing global economic pattern and intensifying market competition, small and medium-sized enterprises, as an important driving force of economic development, their growth and development play an irreplaceable role in stimulating employment, stimulating market vitality and promoting technological innovation. However, for a long time, small and medium-sized enterprises financing difficult, expensive financing problem has been the bottleneck restricting their development. Traditional financing channels such as bank loans are often difficult to obtain sufficient financial support due to the low credit rating, insufficient collateral and other reasons for small and medium-sized enterprises. Therefore, this paper focuses on the application of financial leasing business in the financing of small and medium-sized enterprises, first sorts out the relevant research status at home and abroad, and expounds the definition and characteristics of financial leasing business and the financing theories of small and medium-sized enterprises. Subsequently, through case analysis and literature review and other methods, we deeply analyzed the imperfect financial leasing business, single financing channels, risk control and management problems and limited conditions in the financing process of small and medium-sized enterprises. In view of these problems, this paper puts forward the countermeasures and suggestions of improving the legal and regulation system, broadening the financing channels, strengthening the risk control and management mechanism, and improving the comprehensive strength of small and medium-sized enterprises. The research in this paper has important theoretical and practical significance for promoting the wide application of financial leasing business in SME financing, improving the financing efficiency of SMEs, and promoting the healthy development of SMEs.
Key words: financial leasing; SME financing; laws and regulations; risk control; financing channels
目录
摘要 1
Abstract 2
一、绪论 4
1.1 研究背景和意义 4
1.2 国内外研究现状 4
二、相关理论概述 4
2.1 金融租赁业务的定义与特点 4
2.2 中小企业融资理论 5
三、 金融租赁业务在中小企业融资中的问题分析 5
3.1 法律法规不完善导致的障碍 5
3.2 融资渠道单一，资金来源受限 6
3.3 风险控制与管理难题 6
3.4 中小企业自身条件限制 7
四、金融租赁业务在中小企业融资问题的对策 7
4.1 完善相关法律法规体系 7
4.1.1 加强立法工作，填补法律空白 7
4.1.2 优化监管框架，促进健康发展 8
4.2 拓宽融资渠道，创新资金来源 8
4.2.1 发展多层次资本市场策略 8
4.2.2 鼓励金融机构产品与服务创新 9
4.3 强化风险控制与管理机制 9
4.3.1 建立健全风险管理体系 9
4.3.2 引入先进技术提升风险评估能力 10
4.4 提升中小企业综合实力 10
4.4.1 加强信用体系建设措施 10
4.4.2 增强企业内部管理与创新能力 11
五、结论 11
参考文献 13
摘要
在全球经济格局不断变化和市场竞争加剧的背景下，中小企业作为经济发展的重要驱动力，其成长与发展对于促进就业、激发市场活力、推动技术创新等方面具有不可替代的作用。然而，长期以来，中小企业融资难、融资贵的问题一直是制约其发展的瓶颈。传统融资渠道如银行贷款往往因中小企业信用评级低、抵押物不足等原因而难以获得足够的资金支持。因此，本文围绕金融租赁业务在中小企业融资中的应用问题展开研究，首先梳理了国内外相关研究现状，并阐述了金融租赁业务的定义、特点以及中小企业融资相关理论。随后，通过案例分析和文献综述等方法，深入剖析了金融租赁业务在中小企业融资过程中面临的法律法规不完善、融资渠道单一、风险控制与管理难题以及中小企业自身条件限制等问题。针对这些问题，本文提出了完善法律法规体系、拓宽融资渠道、强化风险控制与管理机制以及提升中小企业综合实力等对策建议。本文的研究对于促进金融租赁业务在中小企业融资中的广泛应用，提高中小企业融资效率，推动中小企业健康发展具有重要的理论和实践意义。
关键词：金融租赁；中小企业融资；法律法规；风险控制；融资渠道
Abstract
In the context of the changing global economic pattern and intensifying market competition, small and medium-sized enterprises, as an important driving force of economic development, their growth and development play an irreplaceable role in stimulating employment, stimulating market vitality and promoting technological innovation. However, for a long time, small and medium-sized enterprises financing difficult, expensive financing problem has been the bottleneck restricting their development. Traditional financing channels such as bank loans are often difficult to obtain sufficient financial support due to the low credit rating, insufficient collateral and other reasons for small and medium-sized enterprises. Therefore, this paper focuses on the application of financial leasing business in the financing of small and medium-sized enterprises, first sorts out the relevant research status at home and abroad, and expounds the definition and characteristics of financial leasing business and the financing theories of small and medium-sized enterprises. Subsequently, through case analysis and literature review and other methods, we deeply analyzed the imperfect financial leasing business, single financing channels, risk control and management problems and limited conditions in the financing process of small and medium-sized enterprises. In view of these problems, this paper puts forward the countermeasures and suggestions of improving the legal and regulation system, broadening the financing channels, strengthening the risk control and management mechanism, and improving the comprehensive strength of small and medium-sized enterprises. The research in this paper has important theoretical and practical significance for promoting the wide application of financial leasing business in SME financing, improving the financing efficiency of SMEs, and promoting the healthy development of SMEs.
Key words: financial leasing; SME financing; laws and regulations; risk control; financing channels
目录
摘要 1
Abstract 2
一、绪论 4
1.1 研究背景和意义 4
1.2 国内外研究现状 4
二、相关理论概述 4
2.1 金融租赁业务的定义与特点 4
2.2 中小企业融资理论 5
三、 金融租赁业务在中小企业融资中的问题分析 5
3.1 法律法规不完善导致的障碍 5
3.2 融资渠道单一，资金来源受限 6
3.3 风险控制与管理难题 6
3.4 中小企业自身条件限制 7
四、金融租赁业务在中小企业融资问题的对策 7
4.1 完善相关法律法规体系 7
4.1.1 加强立法工作，填补法律空白 7
4.1.2 优化监管框架，促进健康发展 8
4.2 拓宽融资渠道，创新资金来源 8
4.2.1 发展多层次资本市场策略 8
4.2.2 鼓励金融机构产品与服务创新 9
4.3 强化风险控制与管理机制 9
4.3.1 建立健全风险管理体系 9
4.3.2 引入先进技术提升风险评估能力 10
4.4 提升中小企业综合实力 10
4.4.1 加强信用体系建设措施 10
4.4.2 增强企业内部管理与创新能力 11
五、结论 11
参考文献 13
