Research On Problems And Resolving Measures Of Financial Leasing Business Of Commercial Banks In China

Ever since the foundation of the first financial leasing company,financial leasing has had a history of 28 years.At the early stages of financial leasing,it has introduced foreign investment successfully and has played a catalytic role for economic development at that time.When the banks totally withdrawal of financial leasing industry in 1997,it caused a big damage to the financial leasing,and the result is not only that our country's development level of leasing industry is far below the world average,but also that our country's commercial banks are not strong enough.The amendment of "Management Means of Financial Leasing Company" in 2007,lifted the banks from the ban of engaging in financial leasing industry,and injected new blood to financial leasing development.As soon as the amendment published,many banks applied for financial leasing companys.Among these,Industrial and Commercial Bank of China,China Construction Bank,China Merchants Bank,Minsheng Bank,Bank of Communications are the first five banks being approved.Many problems that traditional financial leasing companies faced have not been resolved,such as the defective of social credit system,the insufficient of social cognition and so on. Although have some capital advantages,the banking financial leasing companies inherit some old problems and will face lots of new problems that other financial leasing companies do not have at the beginning of their establishment.The 2007's "sub-loan crisis" in the United States triggered a global financial crisis.China's economy has also been severely affected in this crisis,and many small and medium enterprises have been closed.Of course the financial leasing industry is also being infected.This thesis raises that although the economic crisis has its negative impact;it brings opportunities for China's financial leasing industry:The leasing industry can increase investment and stimulate domestic demand;it can also promote sales,and expand saling channels in a desolate scene.Combining with historical background,this thesis analysis the agents and meanings of financial leasing,and analysis separately from the macro-and micro-angle that the problems that commercial banks' financial leasing business is facing.At the end,this thesis recommends some appropriate countermeasures,hoping that can provide some help for banking financial leasing.