Research On The Application Of Internet Finance And Financial Leasing Business Model

It has been more than 30 years since the development of the financial leasing industry in China.Although it has a certain stimulating and promoting effect on the real economy,the development of the whole leasing industry is still in the primary stage.n recent years,some financing leasing companies,especially the third party finance leasing companies in our country,have encountered bottlenecks in the process of development,and the financial channels are too narrow and gradually become adjuncts of the banks,so they can not play a good role in promoting the financial leasing to the real economy.The combination of Internet Finance and financing lease is a new financing model in China in the past two years.The emergence of this model can theoretically solve the problem of too narrow financing channels for financial leasing companies.However,such a model is still in its initial stage and needs in-depth analysis and comparison with traditional industries.This paper studies and analyzes the case of financing leasing enterprises using Internet Finance for small and medium-sized enterprises in the market.There are two main problems in the research.1 from the cost point of view,the model of Internet Finance and financing lease is superior to the traditional model.2 compared with the traditional model,the model of Internet Finance and financing lease is superior to the traditional model in terms of the operation of the project.In order to fully explain the above two problems,this paper,on the basis of reviewing the relevant theoretical knowledge of Internet Finance and financing lease,uses case analysis method to solve the model.This case is based on the direct financing project of Shanxi nine cattle.Through the analysis of the project design,cost calculation,process link design and other aspects,the case is analyzed and compared with the traditional lease related aspects,in order to show the advantages and disadvantages of the model.Through comparative analysis,this paper finds that Internet financial leasing and traditional leasing are roughly the same in terms of capital cost.However,the fast,flexible and innovative Internet finance is unparalleled in the traditional leasing mode.In the operation process and link,the Internet finance is a little complicated because of the more involved parties and links,and more links will inevitably lead to the increase of risk in the operation process.Compared with this,the traditional model appears to be more prominent.The innovation of this paper is to compare and analyze the modes of Internet financial leasing through cases.At last,this paper puts forward the solutions to the problems highlighted in the process link of Internet financial leasing,and discusses the scope of the application of the Internet financial leasing model.Aiming at the problems emerging in the new mode,we should make the model better serve the small and medium-sized enterprises.