小微企业融资租赁的比较优势及实证研究

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1、万方数据浅析融资租赁缓解小微企业融资难的比较优势lackofassetsandprofits．Evensomeofthemsatisfytherequirementsofcapitalmarket，thehighcostisstillaproblem．Inindirectfinancing，smallandmicroenterpriseshavetheproblemofsimpleindustrialstructure，lackofmodemmanagementconcepts，SOthestate—ownedc

2、ommercialbanksaremorewillingtolendmoneytolargestate--ownedenterprisesandotherlarge—-scaleprivateenterprisesbecauseofthelargescaleassets，strongprofitabilityandDebtpayingabilityratherthansmallandmicroenterprises．Intermsoffinancingguarantee，duetotheimperfectfina

3、ncingguaranteeserviceplatforminChina，thesmallandmicroenterpriseslackofcreditsupportandtheguaranteecannotadapt：to—thefinancingneedsofsmallandmicroenterprises．Thus，smallandmicrobusinessesneedmoreinnovativeandflexiblef'mancingmethod，andfinancingleasecaneasethefi

4、nancingdifficultiesofsmallandmicroenterprisestosomeextent．Financeleasehasthefunctionofbothfinancingandsupplyingobjects．Itseparatetheownershipanduserights．Whenenterprisesarefacingproblems，theleasedpropertycanberecovered，SOfinancingleasehasfewerrequirementsforc

5、reditandcollateral．Also，financingleasewillnotbereflectedJnoff-balancesheet，whichisgoodforsmallandmicroenterprisesbecauseitwillnotaffectthecredit．Financingleaseoriginatedintheinnovationofthefinancingtoolsintheearly1950sintheUnitedStates．Whentheworld’Sfirstfina

6、ncialleasingcompanywasfoundedin1952，theUnitedStates，ithasopenedtheprologueofmodemfinancingleasing．Thenfinanceleaseisdevelopingrapidlyintheglobalmarket，andatpresenthasbecomethesecondfinancingmethodnexttothebankcreditfinancing．China’Sfinanceleasingstartedinplan

7、economicsysteminthe1980s．After30years’development，ithasachievedgreatperformanceinChina’Scomplexenvironment．However，itstillhasalotofproblemssuchasincompletepoliciesandregulations，regulatoryfragmentation，IV万方数据insufficientpolicysupport，imbalanceofregionaldevelo

8、pment，lackofprofessionaltalents，lackofindustrynormsandstandards，lowrecognition，lowmarketpenetrationandSOon．China’Sfinanceleasingdidnotplayapositiveroleinsolvingsmallmicroenterprisefinanci