The Impact Of Financial Leasing On The Transformation And Upgrading Of SME

Current status of our country's economy,small and medium-sized enterprises become the main economic pillar,but the plight of the small and medium-sized enterprises(smes)are increasingly apparent,the traditional industry has not support the sustainable development of small and medium-sized enterprises,the intense market competition has forced transformation and upgrading of small and medium-sized enterprises have to make,and then,due to the lack of money makes the transformation and upgrading of small and medium-sized enterprises,traditional financing channels can not meet the capital requirements of small and medium-sized enterprises,thankfully,with the continuous development of our country's economy,financial leasing industry has begun to take shape.At present,China's financial markets,financial leasing has made remarkable achievements,market size and made significant improve enterprise competitiveness,financial leasing market in China has become the world's second,compared with bank financing mode,financing lease in the flexible depreciation,promote enterprise's technological changes,help enterprises equipment sales,promoting economic development has unique advantages,can solve the problem of small and medium-sized enterprise financing difficulties in the process of transformation and upgrading,can help enterprises to improve the financial situation,strengthen the competitive power of the small and medium-sized enterprises,help small and medium-sized enterprise transformation and upgrading.In 2017 the national financial work conference established the direction of financial regulation,mainly to prevent systemic financial risk for the bottom line of functional supervision and regulation of behavior,financing lease can better serve the real economy,transformation and upgrading of small and medium-sized enterprises better development.But China's current financing rent is also facing many problems,first of all,the essence of the financing lease is combined with finance and it,the actuality of our country is,however,financing needs become more robust,and the essence of the financing lease deviating,secondly,for the inaccurate positioning of financing lease is similar to loans,not embody its value meaning,these are hindering the transformation and upgrading of small and medium-sized enterprises continue to develop,make the transformation and upgrading of small and medium-sized enterprise financing lease in the process of various problems appeared gradually,such as regulatory fragmentation,talent shortage,small and medium-sized enterprise financing lease law system is not sound,etc.In this paper,through the analysis of small and medium-sized enterprise financing lease in the process of transformation and upgrading of the status quo,it can be seen that facing the small and medium-sized enterprise internal environment and externalenvironment,can meet the transformation and upgrading of small and medium-sized enterprises of all kinds of necessary conditions,analysis of the plight of the transformation and upgrading of small and medium-sized enterprises at present stage,the analysis of the current small and medium-sized enterprises from the perspective of financing difficulties faced by the transformation and upgrading the insufficient funds led to the development of the power and so on various aspects of problems,such as equipment can't keep up with,backward technology,the problem such as lack of talent,which leads to the financing lease on the importance of the transformation and upgrading of small and medium-sized enterprises at present,the main is a finance lease is the important channel to solve the problem of small and medium-sized enterprise financing difficulties,must vigorously develop small and medium-sized enterprise financing lease.Between the experience and lessons,mainly European and American countries such as the development of experience,according to the situation of China's economic development,put forward the corresponding policy recommendations,to resolve the small and medium-sized enterprise financing lease in the process of transformation and upgrading are faced with the problem.The laws and regulations is not sound in China,the government should establish and perfect the system of financing lease law system as soon as possible,regulation of financing lease is long,also need the government unified regulation,financing lease development cannot leave the support of the government;Know very little about finance lease at the present stage our country financial market,financial leasing companies should also increase the intensity of promotion,and actively improve the system of industry,according to the present talent shortage,financing lease company can cultivate talent,through the above ways to better promote transformation and upgrading of lease financing for small and medium-sized enterprise development help,solve the problem of small and medium-sized enterprise financing difficulties ever.Aiming at the small and medium-sized enterprise financing lease in China the problem in the process of development,and put forward their own opinions and Suggestions,hoping to help in the development of small and medium-sized enterprise financing lease in China.