金融供给侧结构性改革与我国融资租赁业监管模式重构

Financial Supply-Side Structural Reform and Reconstruction of Supervision Mode of Financial Leasing Industry in China

深化金融供给侧结构性改革在服务实体经济、防范化解风险等方面对融资租赁业发展和监管提出了新的要求。当前,我国融资租赁行业在快速发展中暴露出了监管理念与模式滞后、行业风险积聚、法律法规不健全、监管效能不足等一系列问题。美、日等国家该行业发展较早,商业模式较为成熟,行业渗透率较高。为与融资租赁业发展实际相适应,各国逐步建立了市场调控、严格监管、适度监管、扶持性监管等各具特色、功能完善的监管模式。未来构建和完善我国的融资租赁监管模式,应当以金融供给侧结构性改革为指导,比较借鉴发达国家的先进经验,探索与我国国情相适应的适度监管模式。

The deepening financial supply-side structural reform has put forward new requirements for the development and regulation of financial leasing industry in terms of serving the real economy,preventing and resolving risks.At present,in the rapid development of China’s financial leasing industry,a series of problems have been exposed,such as the lag of supervision concept and mode,the accumulation of risks in the industry,imperfect laws and regulations and low supervision efficiency.The financial leasing industry in the United States,Japan and other countries has a high penetration rate and mature development,and these countries have formed regulatory modes featuring market regulation,strict regulation,moderate regulation and supportive regulation,which are unique and fully functional.To improve the supervision mode of financial leasing in China,we should take the supply-side structural reform of finance as a guide,draw lessons from advanced experience,and explore the construction of appropriate supervision mode that is suitable for the development stage of China’s financial leasing industry and the development of the real economy.