Research On China's Financial Leasing Industry Regulation Mode Problem

Because of its unique advantages and functions,financial leasing can enable the lessee improve the financial situation of enterprises to a certain extent,strengthen liquidity,and enjoy the tax incentives provided by the State;It allows manufacturing companies to reduce the backlog of inventory,to expand product sales,and to enhance the competitiveness of enterprises,therefore,the importance of the development of the financial leasing industry has become increasingly prominent.In developed countries,financial leasing industry occupies a central position of industrial development,the market penetration is about 15%to 30%,and it gets adequate support and assistance from the national government.In China,although financing lease industry entered a stage of rapid development since 2013,but the regulation of the industry still couldn't keep up with the pace of development,so,the study of the problems of the supervision mode of China's financial leasing industry and putting forward relevant advice is of great significance.Based on this,the article begins with the background of the current development of financial leasing industry,introduces the connotation of the financing lease,the significance and necessity of the financial leasing industry regulations,by collecting and sorting the effective data of financing lease companies' number,business scale,market penetration and distribution of the three kinds of financing lease company in China since 2006,analyzed the current situation of the development of financial leasing industry of our country.Next,through collation documents of the Ministry of Commerce and the China Banking Regulatory Commission and the Financial Leasing Industry Association over the years until 2015,combed the regulation mode and regulation of financial leasing industry in China in the government,the banking system and the foundation of industry association level.After completing the overview of the development of financial leasing and the theory of regulatory model,interspersed by small individual case,a systematic study of the problems that financial leasing industry regulatory approach at the central level and the level has been down,and has made evaluation on these issues.But it is not enough to analyze the supervision mode of financial leasing industry in China only,the article further analyzes the three different international regulatory models,namely,strict supervision mode,moderate supervision mode and market regulation mode,South Korea,Germany and the United States as the representative,Obtain the worth learning experience.Finally,the article puts forward the operable policy recommendations,not only take into account the macro level regulation and control,but also take into account the micro level of self-discipline,and I think that our country is suitable to take appropriate regulatory model at the present,until the market matures,then turn to the market regulatory supervision mode.