Study Of Sme Finance Leases

Nowadays, the development of small and medium-sized enterprises has contributed magnitude to domestic economy, by being the critical part of it. Without any doubts, if small and medium-sized enterprises could grow healthily can not be separately considered from the growth speed and quality of entire domestic economy as well as enhance economies of individual cities, and ensuring to provide sufficient employment opportunities.Financing difficulty is the most important case in the small and medium-sized enterprise development, the traditional financing mode has could not satisfy the enterprise. For financial lease has special characteristic and financing mode, it give financing a new idea. But the new idea doesn't be cared for a long time.Financial lease acts as a new mode to be a combination of gathering funds and stuff, and this mode has become a hinge, binding finance, trade, and industry production in those highly developed market economies. Comparing with bank loan and other traditional mode of financing, financing lease has a far better predominance in supporting the development of small and medium-size organizations. Therefore, the essence of financial leasing is one practical choice of solving the problem, reflecting the difficulty of "gathering funds", and a vital capital operation in a new situation.But, financial lease is a new financing lease mode in our country, its field don't develop well, the organization of credit don't work well, law and accountant way are not perfect and so on. The all above deter the development of financial lease in our country and also don't help the development of small aid medium-sized enterprises.In this article, our discussion starts with analyzing the fact and reasons that it is difficulty to gather funds for domestic small and medium-sized organizations currently, and by deriving sophisticated experience from developed countries, we could conclude financial leasing is a practical choice for domestic small and medium-size organizations. In the first, the article analyst the superiority of small and medium-sized organizations financial lease, and point out that financial lease can avoid rise, can make small and medium-sized enterprise structure work well and can improve the technology development. Second, the article analyst the cost, income and lease expense from technology ways. Finally, we put countermeasures and proposals through the analysis to the environment that such organizations operate financial leasing in.