中日工程机械设备融资租赁的发展比较与经验借鉴

A Comparative Study on the Development and Experience of Sino-Japan Engineering Equipment Financial Leasing

融资租赁业务标的物所有权与使用权相分离的属性非常适用于单体价值大、还款周期长的工程机械设备,其审批手续简便、资金风险可控、无需办理抵押的优点受到制造商、融资机构和购买者的推崇,但受制于诸多因素,工程机械融资租赁业务发展还不够顺畅。日本融资租赁操作模式与我国相近,借鉴日本工程机械设备融资租赁的发展经验,可以帮助我们更好地防范风险,为早日实现融资租赁业市场规模和竞争力水平位居世界前列之目标奠定基础。

The property of separating the subject matter of financial leasing business ownership from the right to use is very suitable for the engineering machinery equipment with the characteristics of great value for each unit and long repayment period. The advantages of simple approval process, controllable financial risk and no mortgage are favored in the eyes＇ of manufactures, financiers and buyers. However, due to many factors, the development of engineering machinery leasing business is still not smooth. Similar to Japanese fi- nancial leasing operation mode, China can take the experience of Japanese engineering machinery equipment leasing as an example to help us better guard against risk and to push early realization of financial leasing industry market scale and oompetitiveness level among the world tops.