| Having investigated the state of the financing difficulty of small and medium-sized enterprise (SME) of our country at present, the thesis put forward the view that the small and medium-sized enterprise can utilize financing lease to solve its predicament faced.Under the condition that reform and opening-up is constantly deepening and banking system is improving, the financing environment that enterprises face has already got very great change. The financing channels include bank loan, stock right financing, financing of bond market and trade financing. But the financing environment of SMEs is still very abominable. For example, limited to their own scales, SMEs cannot get financed in the stock market and bond market. Trade financing is difficult to obtain because of the mutual distrust among enterprises. The main way of SMEs only may be commercial bank loans.The average life span of SMEs of our country is fewer than three years. Enterprise bankrupt reason varies. Some enterprises bankrupt because of the improper management, some enterprises bankrupt because the products of the enterprises don't meet the demand of the market. Many SMEs have bankrupted because the problem of the fund cannot be solved. There are a lot of causes of the financing predicament of SMEs. Generally speaking, these causes can be divided into three sorts, SMEs' own cause, the reason of the commercial bank and the reason of the social & assurance system. The thesis analyses that the finance lease can be used be the main financing irrigation ditch to SMEs of our country in the second part. At the beginning of the part, the thesis introduces some basic knowledge of finance lease, for example, the concept of the finance lease, the main characteristic of finance lease and the development of finance lease at home and broad. On this basis, the thesis analyses can control the risk more effectively than commercial bank loans. The lessor controls the ownership of the leasing objects, when the leaser cannot fulfill the obligation that the lease contract stipulates, can exercise the right of the leasing objects owner, regain the objects and avoid greater losses. The second means to control the risk is that the lessor controls the investment direction of the fund. This has prevented the leaser from changing the use of the fund without authorization fundamentally, reduced the risk effectively. In addition, the leasing company has developed a set of risk control system in the course of long-term business.Besides, the development of the leasing corporation cannot do without the SMEs either. Over the past dozens of years, the leasing corporation deviated the core business seriously. Even now, the lease industry has no long-term and steady capitalsource which accords with its own characteristic and policy environment is not loose enough. The lease industry faces great difficulty at present. Cooperating with small and medium-sized enterprises can make the leasing company go out of the present predicament. It can improve the role of finance lease in the national economy and expand the influence of the lease industry. When the lease company conducts business with small and medium-sized enterprise, it should study SMEs' credit level and management condition. The leasing corporation cannot develop business blindly just in order to expand the volume of business.The thesis constructs several kinds of system lease modes in the third part. The train of thought of constructing these modes is to reduce the fund cost of leasing corporation and to raise the credit level of SMEs and reduce the risk of the leasing business in order to attract the lease company to conduct business with SMEs. The main train of thought of operation includes: the country utilizing the policy bank to grant a loan of low interest to the leasing corporation, allowing the leasing corporation to issue the bond and various kinds of guarantee organizations guaranteeing the business between the leasing corporation and SMEs.In order to make the small and medium-sized enterprise... |
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