The Research About Financing Lease In The Small And Medium-sized Enterprise

Occupies an important place in the small and medium-sized enterprises in China’seconomic development, in terms of contribution to social economy plays anirreplaceable role, such as: increase for employment, guaranteeing civil economicgrowth. However, in the development process of small and medium-sized enterprisesalso met a lot of practical problems, especially financing shortage problem is veryoutstanding, has gradually become the main obstacle to the development of small andmedium-sized enterprises.Financing lease has been seen as connected to the economic and trade, industrialdevelopment and the financial industry, financing for small and medium enterprises,provide a new method for small and medium-sized enterprises financing plays a verybig help, but in our country, financing lease to value degree is not enough, thedevelopment for over30years, has been hashing out, so far there are many problemsto be solved, if these problems couldn’t be improved as soon as possible, will lead tothe development of financing lease in our country is very difficult, also it is verydifficult to play its proper role of small and medium-sized enterprises financing.These problems include:First, the government did not give more policy support, finance lease in the aspectof legislation is extremely slow, not seen appear relevant laws, finance lease rightsand obligations of the parties is not enough clear, relevant departments are not issuedrelevant detailed rules and regulations, such as: tax policy, credit policy and industryaccess mechanism, and so on, these have hindered the development of financing leasein the small and medium-sized enterprises.Secondly, on the one hand, because the government and the media propaganda isnot in place, many small and medium-sized entrepreneurs don’t even know financelease is a kind of financing tool, is often confused with bank credit, on the other hand,small and medium-sized enterprises in our country is not as much as the United Statesand other developed countries, say not enough in economic policymaking, not fortheir own gain more benefits, many small and medium-sized enterprises (smes)because I don’t know more financing channels is often only through state subsidies tosurvive. Moreover, the financing lease of China internal also exists some disadvantages.One, in terms of quantity, financial leasing institutions in our country is too little,even existed in the existing company, the size of its financing ability, it should not, forsmall and medium enterprises to raise funds is very little;Second, the small and medium-sized enterprise boss know so little of financinglease, financing lease company own propaganda is not enough;Three, lack of professional of financing lease, due to the financing lease totalent’s quality requirement is very high, often is the transverse development talent ismore popular, and did not attach enough importance to this aspect of the personneltraining education in our country, people rarely lead to engaged in the industry, it alsobecame one of the reasons for restricting the development of financing lease.Aided by case in this paper, through theoretical analysis and finally draw theconclusion: with the development of market economy in our country finance leasethere will be more broad space for development, will benefit the most small andmedium-sized enterprises, they use a small amount of its own funds to completeconstruction of large fixed assets investment, it can largely alleviate the pressure ofthe enterprise’s cash flow, improve the quality of produced products, enhance marketcompetition ability.