我国农商行设立金融租赁公司的动因分析和经营对策

Rural Commercial Banks' Motivation of Establishing Financial Leasing Companies and Management Suggestion

在市场竞争、监管环境、利率市场化以及金融脱媒化等多因素影响下,混业经营将成为我国农商行实现经营转型、做强做大的必然趋势。目前银行资本进入金融租赁公司已全面解禁,设立金融租赁公司可作为农商行实现混业经营的突破口。本文将对我国农商行发起设立金融租赁公司的动因进行探讨,并就其在发起设立和经营过程中面临的主要问题提出对策建议。

Under the influence of market competition, regulatory environment, marketization of interest rates and financial disintermediation, mixed operation of finance has become the trend of the rural commercial banks which are facing business transformation. At present the ban of bank capital into financial leasing companies has been fully lifted, the establishment of financial leasing companies can be good choice for rural commercial banks to realize mixed operation. This article will explore the motivation and put forward suggestion for management.