融资租赁在我国中小企业的应用研究

Research on the Application of Financial Leasing in Chinese Small and Medium-Sized Enterprises

政府工作报告显示,中小企业是我国经济发展和社会稳定的重要支撑。但中小企业却处在一个劣势地位,其中一个制约中小企业发展的关键因素就是融资难。所以,如何促进融资租赁在我国中小企业的发展就成为一个热点话题。传统融资租赁方式,使得中小企业获取资金非常困难。而现代融资租赁由于获取资金方式便利、确认条件简单而被我国中小企业采纳。文章以神州租车有限公司为例,首先对中小企业融资租赁进行概述,接着介绍中小企业融资租赁的状况,提出目前中小企业存在的问题,针对中小企业融资困难问题提出解决中小企业融资租赁渠道过少的完善对策,从中小企业自身和政府两个方面提出解决中小企业融资困难问题,以此促进我国中小企业的发展,促进国家经济发展。

Government work report shows that small and medium-sized enterprises are important support for our country’s economic development and social stability. But small and medium-sized enterprises are in a disadvantageous position, one of the key factors restricting the development of small and medium-sized enterprises is the difficulty of financing. Therefore, how to promote financial leasing in our country to the development of small and medium-sized enterprises has become a hot topic. Traditional financial leasing makes it very difficult for SMEs to obtain funds. Modern financial leasing is adopted by small and medium-sized enterprises in our country because of the convenient access to funds and simple confirmation conditions. Taking China Car Rental Co., Ltd. as an example, this paper first gives an overview of the financial leasing of SMEs, then introduces the situation of financial leasing of SMEs, puts forward the existing problems of SMEs, and puts forward perfect countermeasures to solve the financing difficulties of SMEs. In order to promote the development of our country’s small and medium-sized enterprises and promote the national economic development, it is proposed to solve the financing difficulties of small and medium-sized enterprises by themselves and the government.