融资租赁业务在缓解微小企业融资难中的优势分析

Analysis of the Advantages of Finance Leasing Business in the Alleviation of Rural Small and Medium Enterprises' Financing difficulty

我国微小企业普遍存在资金来源不足、企业结构不完善、缺少信用记录的问题,尤其是2010年起银行逐渐收紧信贷,使许多微小企业资金陷入了无以为继的困境。一方面是银行出于风险与收益考虑对微小企业惜贷,另一面是这些企业急需资金维持运转,思考微小企业融资难的问题,笔者认为非银行金融机构融资租赁业务具有无抵押融资融物、产品设计的还款方式与期限灵活多样、可与供应链对接的独特优势,能有效缓解微小企业尤其是涉农微小企业融资困境并为其长远发展提供助力。

Becanse most small and medium enterprises（SMEs） lack of sources of funding, have an inadequate corporate structure, and lack of credit history, especially the gradual tightening of credit from the bank in 2010, they＇ve trapping into an unsustainable circumstance. On the one hand is the bank for the risk and return considerations shrunk credit quantity, on the other hand is the enterprises are in urgent need of funds to maintain the operation. Thinking the difficult problem of SMEs financing, I believe that non -bank financial institutions＇financial leasing business have such advantages： unsecured financing ability, the repayment and duration flexible, the unique advantages of docking supply chain, can effectively relieve the SMEs especially rural SMEs financing difficulties and provide the enterprises for their long - term development.