Research On The Linkage Model Of Investment And Lease Of Financial Leasing Companies

Financing lease is a new type of financial industry integrating financing,financing and technology renewal.It has become an important financing method since its development.In recent years,China has continuously issued signals to promote the development of financial leasing businesses.Looking at the current national conditions in China,financial leasing business is bound to usher in an unprecedented period of booming development.With the gradual advancement of the interest rate liberalization reform,the traditional competition model has been greatly challenged.The channel for income spreads has been continuously narrowed,and the profitability space has been greatly reduced.It has to be a certain extent hindered the development of financial leasing companies.Financing leasing companies urgently need to step out of the traditional business model and seek a sustainable development path.As a small and medium-sized sci-tech enterprises with the characteristics of “light assets,high growth,high risk”,it has always faced the problem of narrow financing channels and small financing quota.Under the background of “mass entrepreneurship and innovation”,the number of small and medium-sized sci-tech enterprises has raised,a more pressing need for the resolution of financing issues.Looking at the development process of domestic and foreign financial markets,the banking industry is taking advantage of investment tools to carry out integrated operations as an important path for transformation.For financial leasing companies,there are similar incentives and logics for timely promotion of investment business.Drawing on the bank's experience in “investment and loan linkage”,it explored the “leasing of investment linkage” business of financial leasing companies,scientifically implanted investment thinking,and focused on serving customers and integrated the use of financial media such as leasing,asset management,PE,and securities.Compliance provides customers with comprehensive financial services.The leasing and renting linkage business utilizes the “equity + creditor” approach to enable financial leasing companies to better match risks and benefits in the face of financing needs of small and medium-sized sci-tech enterprises,thereby alleviating the financing difficulties of small and medium-sized sci-tech enterprises.The development of the investment and rental linkage also provided a useful attempt for the financial leasing company's own business transformation.It can be said that the leasing and renting linkage business may become an important choice for the transformation and upgrading of financial leasing companies.This paper firstly analyzes the necessity and feasibility of the financing leasing company to carry out the investment and rental linkage business based on the current market conditions and the development status of financial leasing.Secondly,it introduces the five business models of the investment and rental linkage,and compare each mode,provide reference for mode selection when financing leasing companies carry out investment and rental linkage business.Then through GR leasing company to carry out the actual case of investment and rental linkage,analyze the performance evaluation of the investment and rental linkage in the actual application process and revelation.At the same time,it also revealed problems such as lack of perfect exit mechanism,imperfect laws and regulations,and imperfect credit risk management system.Finally,relevant suggestions are proposed,including further relaxing the financing lease funds into the equity investment field,improving the market exit mechanism,strengthening financial innovation,strengthening macro analysis and forecasting,strengthening the whole process management,establishing a targeted collateral management system,establishing financial professional team,and establish a corporate whitelist system,etc.The research in this paper provides some feasible suggestions for the further healthy development of China's financial leasing companies,and provides more ways for small and medium-sized sci-tech enterprises to solve financing problems.