融资租赁模式探讨.docVIP

我国中小企业融资模式分析 ——基于融资租赁模式的思考 摘要 近年来，我国中小企业迅速发展，但融资难一直是制约其发展的瓶颈。融资租赁作为一种新的融资渠道，在我国中小企业融资中具有必要性和可行性，是破解其融资难题的一种对策，所以日益受到中小企业的青睐。 本文首先通过对我国中小企业内源融资不足、外源融资单一等融资模式现状进行分析，提出融资租赁具有降低信息不对称程度、降低融资条件和成本、改善资金结构等一系列解决中小企业融资困境的途径。但是，在其运用中产生的政策不够宽松、租赁标的单一、存在较多风险等问题也阻碍着中小企业的发展。因此，针对其存在的问题提出加强中小企业自身改革、完善政策法规、创新租赁业务与市场等推动中小企业开展融资租赁的对策建议。 [关键词] 中小企业；融资模式；融资租赁 ABSTRACT In recent years, Chinas rapid development of SMEs, but the financing has been the bottleneck of its development. Financial leasing as a new financing channels, with the necessity and feasibility in our country small and medium-sized enterprise financing, is a method to solve the financing problem, so the more the favour of small and medium-sized enterprises. Firstly,through the analysis of endogenous financing problems, our country small and medium-sized enterprise financing single financing status, put forward financing lease can reduce the degree of asymmetric information, reduce the financing conditions and cost, improve the capital structure and a series of ways to solve the financing difficulties of small and medium-sized enterprises. However, the development of the application of policy is not loose, the leasehold single, there are many risk problems hindering the small and medium-sized enterprise. Therefore, countermeasures and suggestions for the existing problems were put forward to strengthen the reform, small and medium-sized enterprises to improve policies and regulations, innovation and market rental business to promote the development of small and medium-sized enterprises financing lease. [KeyWords] Financing model; Finance leases; The small and medium enterprises(SME) 目录 TOC \o 1-3 \h \z \u 一、我国中小企业融资模式现状 ( 1) （一）内源融资资金不足 ( 1) （二）外源融资渠道单一 ( 2) （三）较难获得信用贷款 ( 3) 二、融资租赁是解决中小企业融资困境的有效途径 ( 5) （一）融资租赁可降低中小企业融资条件和成本 ( 6) （二）有效降低信息不对称程度 ( 8) （三）融资租赁可改善中小企业资金结构，提高中小企业融资的能力 ( 9) （四）融资租赁可促进中小企业技术设备改造 ( 9) 三、中小企业开展融资租赁所存在的问题 ( 10) （一）政策不够宽松 ( 10) 1.税收政策 ( 10) 2.信贷政策 ( 10) 3.外汇政策 ( 11) 4