我国中小企业融资租赁发展对策研究—金融专业毕业论文外文翻译

2014届本科毕业设计（论文）文献综述题目我国中小企业融资租赁发展对策研究学院法商学院专业金融专业文献一THERESEARCHONFINANCIALLEASINGANDCHINASSMALLMICROENTERPRISESABSTRACTTHEFINANCINGDIFFICULTIESISCHINASSMALLMICROENTERPRISESEXISTENCEAUNIVERSALPROBLEM,ITHASBECOMETHEMAINSMALLMICROENTERPRISESDEVELOPMENTOFABOTTLENECKTHEFINANCIALLEASINGINTHESERVICEOFSMALLMICROENTERPRISESHASMARKEDEFFECTFIRST,TOBROADENTHEFINANCINGCHANNELSOFSMALLMICROENTERPRISES,SECOND,REDUCETHEFUNDPRESSUREOFSMALLMICROENTERPRISES,ANDTHETHIRD,PROMOTETHETECHNOLOGYINNOVATIONOFSMALLMICROENTERPRISES,FOURTH,PROMOTETHEMARKETDEVELOPMENTOFSMALLMICROENTERPRISESDUETOLACKOFNECESSARYKNOWLEDGEONFINANCIALLEASING,CORRESPONDINGPOLICIESIMPERFECT,LACKOFTHENECESSARYCAPITALSUPPLY,AFFECTINGTHEDEVELOPMENTOFFINANCIALLEASINGTOPROMOTETHEDEVELOPMENTOFFINANCIALLEASING,CHINASHOULDESTABLISHUNIFORMMANAGEMENTSYSTEM,IMPROVETHERELEVANTPOLICIES,EXPANDTHEFUNDINGSOURCESOFFINANCIALLEASINGKEYWORDSSMALLMICROENTERPRISESFINANCIALLEASINGROLEPROBLEMSSUGGESTIONSINTRODUCTIONSMALLMICROENTERPRISESINTHEPROCESSOFECONOMICDEVELOPMENTOFCHINAPLAYSAMOREANDMOREPROMINENTROLE,HOWEVER,CHINASSMALLMICROENTERPRISESGENERALLYFACEDTHEDIFFICULTYOFSHORTAGEOFFUNDSHOWTOSOLVETHEFINANCINGPROBLEMSOFSMALLMICROENTERPRISESISAHOTISSUEINCHINASECONOMICDEVELOPMENTSTUDIESHAVESHOWNTHATFINANCIALLEASINGISANEFFECTIVEWAYTOSOLVETHEFINANCINGDIFFICULTIESOFSMALLMICROENTERPRISESINCHINAPOSITIVEDEVELOPMENTOFFINANCIALLEASING,CANEFFECTIVELYRESOLVETHEFINANCINGPROBLEMSOFSMALLMICROENTERPRISES,THEREBYPROMOTINGECONOMICDEVELOPMENTFINANCIALLEASINGASANEWWAYTOTRADE,ITPUTTHETRADITIONALRENTAL,TRADEANDFINANCIALWAYALLORGANICCOMBINATIONUP,BEUNDERSTOODASAFINANCINGBANKLOANSANDCAPITALMARKETSAFTERTHETHIRDROADFINANCIALLEASINGHASTHEDUALFUNCTIONOFFINANCINGANDFINANCIALOBJECTS,HASITSUNIQUEADVANTAGESINTHESERVICEOFTHEREALECONOMY,ESPECIALLYINSERVICESTOSMALLMICROENTERPRISESIN2010JUNE,CHINESEFINANCIALAUTHORITIESISSUEDFURTHERCOMPLETESTHESMALLMICROENTERPRISEFINANCIALSERVICEWORKCERTAINOPINIONS,REQUIREMENTTOTHEDEVELOPMENTOFTHEFINANCIALLEASINGBUSINESSTHEFULLDISPLAYFINANCIALLEASINGSFUNCTION,MAYPROMOTETHESMALLMICROENTERPRISESDEVELOPMENTEFFECTIVELY1FINANCIALLEASINGISTHEIDEALFINANCINGOPTIONSFORSMESINCHINABECAUSECHINASSMALLMICROENTERPRISESFINANCINGCHANNELISNARROW,THEFINANCIALLEASINGINSERVICEFORSMALLCOMPANIESCANGIVEFULLPLAYTOTHEADVANTAGESPROVIDEDACONDITIONTHEENTERPRISEFINANCINGWAYHASSTOCKHOLDERSRIGHTSFINANCINGANDTHECREDITORSRIGHTSFINANCINGTWOTYPESSTOCKHOLDERSRIGHTSFINANCINGCANBEDIVIDEDINTOTWOFORMSPUBLICOFFERINGANDPRIVATECOLLECTTHEPUBLICTORAISEFINANCINGISIPOFINANCINGFROMTHEPRESENTSITUATIONOFTHEDEVELOPMENTOFCHINASCAPITALMARKETSEE,THROUGHTHEIPOOFTHEFINANCINGOFENTERPRISEAREONLYASMALLPART,THOUSANDSOFCOMPANIESLISTEDONTHEINSIDEANDOUTSIDEISONLYAVERYSMALLPARTOFTHETENSOFMILLIONSOFENTERPRISESDONOTNEEDTOUNDERGOARIGOROUSLISTINGOFTHEAUDITTHROUGHAPRIVATEPLACEMENTFINANCING,RELATIVELYSPEAKING,EASIERTOACHIEVEFINANCING,HOWEVER,DUETOTHEOPERATIONOFTHEPRIVATEEQUITYFUNDSTOACHIEVELEGALIZATION,EVENTHOUGHTHEPUBLICHASALOTOFPRIVATEEQUITYFUNDSEXIST,BUTREALLYBEABLETOSUPPLYTHEAMOUNTOFMONEYISRELATIVELYLIMITEDONTHECREDITORSRIGHTSFINANCING,ATPRESENTCHINASFORMOFCREDITORSRIGHTSFINANCINGISSINGLE,MAINLYBANKCREDITCHANNELBANKCONSIDERINGSECURITYPROBLEMS,OFTENTOPROVIDEMONEYFORACREDITRATINGS,THESTRENGTHOFLARGEENTERPRISES,INADDITION,DUETOTHEBANKCREDITMARKETDEGREEISRELATIVELYLOW,NOTESTABLISHEDTRULYMATUREENTERPRISECREDITRATINGSYSTEM,ESPECIALLYTHERATINGSYSTEMOFTHESMALLMICROENTERPRISES,SOTHATTHEBANKCREDITACTIVITYIMPOSSIBLECOVERAMUCHWIDERRANGEOFDEBTFINANCINGNEEDS,ONLYTOMEETARANGEOFFINANCINGDEMANDSO,SMALLANDMEDIUMSIZEDENTERPRISES,ESPECIALLYSMALLMICROENTERPRISESFINANCINGCONSTRAINTSBECOMEENTERPRISEDEVELOPMENTOFABOTTLENECKFINANCIALLEASINGWAYWASINVENTEDINTHE1950S,ASAKINDOFLONGTERMDEBTFINANCING,ISBYTHELESSERACCORDINGTOTHELESSEESNEED,INADVANCEINACCORDANCEWITHTHECONTRACT,THELESSEETODESIGNATEDBETRAYAPERSONTOBUYTHELESSEEDESIGNATEDFIXEDASSETS,INTHELESSORHASTHEFIXEDASSETSUNDERTHEPREMISEOFOWNERSHIP,TOTHELESSEEPAYSTHERENTFORCONDITIONS,WILLBEAPERIODOFTIMEFIXEDASSETSANDEARNINGSOFTHERIGHTTOTRANSFERTOTHELESSEEFINANCIALLEASEFINANCINGWAYHASSEVERALOBVIOUSFEATURESFIRST,THELESSEEMAYHAVEAFULLFINANCINGSECOND,CANSAVETHELESSEESCAPITALINVESTMENT,REDUCEBUSINESSCASHFLOWPRESSURETHIRD,THELEASEDEQUIPMENTISSELECTEDACCORDINGTOTHEIRNEEDSTODETERMINEBYTHELESSEEFOURTH,LEASEACTIVITIESINVOLVEATLEASTTHREEPARTIES,CANFORMTHEMUTUALRESTRICTFIFTH,AFTERTHEEXPIRYOFTHELEASE,THELESSEEOFTHEEQUIPMENTUSEDDISPOSEOFTHETHREEOPTIONSREMAINTOPURCHASE,RENEWORSURRENDEROFTENANCYRIGHTSATTHESAMETIME,THEFINANCIALLEASINGHASTHEFUNCTIONOFFINANCINGANDPRODUCTPROMOTIONFUNCTIONFINANCIALLEADINGSCHARACTERISTICANDTHEFUNCTIONSPEAKINGOFTHEFINANCINGCHANNELNARROWSMALLMICROENTERPRISE,ISONERELATIVELYIDEALFINANCINGSOLUTIONWAYTHEREFORE,FINANCIALLEASINGHASSUPERIORITYSERVESFORTHESMALLMICROENTERPRISES,ITEASIERTOBECOMEONEKINDOFSUBSTITUTIONCHOICEOFSMALLMICROENTERPRISESLONGTERMCREDITORSRIGHTSDEBTFINANCING2THEROLEPLAYEDBYFINANCIALLEASINGSERVICESTOSMESFINANCIALLEASINGADVANTAGEDECIDEDITHASAUNIQUEROLEINSERVICEFORSMALLMICROENTERPRISESFINANCIALLEASINGHASTHEFOLLOWINGADVANTAGESFIRST,PROVIDESPROFESSIONALSERVICESFORSMALLMICROENTERPRISESLEASINGCOMPANIESOFTENCHOOSESOMESPECIFICINDUSTRYTOCARRYOUTLEASINGBUSINESS,CANPROVIDEENTERPRISESWITHPROFESSIONALSERVICESINTHEPROCESSOFCOOPERATIONWITHTHEENTERPRISE,THELEASINGCOMPANYINADDITIONTOPROVIDINGFINANCINGSERVICEOUTSIDE,WITHTHEDEVELOPMENTOFITINDUSTRY,ENTERPRISETOTHEUNDERSTANDINGOFTHEPROFITMODEL,ANDMASTERTHEMANAGEMENTOFTHEENTERPRISE,WHICHOBJECTIVELYCANPLAYONSMALLMICROENTERPRISESGUIDANCESECOND,PROCEDUREISSIMPLE,FLEXIBLESERVICEUSUALLY,THESMALLMICROENTERPRISESHASSHORT,ANXIOUS,THEQUICKCHARACTERISTICTOTHEFUNDDEMANDCOMPAREDWITHTHEBANKCREDIT,FINANCIALLEASINGTOTHELESSEEOFASSETSANDLIABILITIESOFTHEREQUIREMENTSISNOTHIGH,DONOTNEEDTOSTRICTEXAMINATIONANDAPPROVAL,ONLYNEEDTOTHELESSEEOFTHEFUTURECASHFLOWOFANINVESTIGATIONTHESMALLMICROENTERPRISESWITHRENTSTHECOMPANYTOWORKOUTTHEDIFFERENTCONTRACT,SATISFIESTHETENANTTOTHECASHFLOWREQUEST,THERENTPAYMENTPATTERNMAYALSOPROCESSNIMBLYTHEREFORE,FINANCIALLEASINGWAYMOREACCORDWITHSMALLMICROENTERPRISESCAPITALDEMANDCHARACTERISTICTHIRD,HELPSSMALLMICROENTERPRISESTOREDUCEOPERATIONRISKNOTAFFORDTOBUYPRODUCTIONEQUIPMENT,THELESSEEOBTAINEDTHROUGHFINANCIALLEASINGEQUIPMENT,THEPROJECTPUTINTOOPERATIONASEARLYASTHEEARLYBENEFITFROMIMPROVEDOPERATINGEFFICIENCYTHEFINANCIALLEASINGREDUCESTHEOUTFLOWOFFUNDSFORTHEENTERPRISEEQUIPPINGFINANCIALLEASINGSCHEMEISDESIGNEDWITHACERTAINDEGREEOFFLEXIBILITY,LEASINGCOMPANIESCANBETAILOREDACCORDINGTOTHEENTERPRISESCASHFLOWRENTREPAYMENTPLAN,AVOIDENTERPRISEREPAYMENTPRESSURETOOCONCENTRATED,THEREBYREDUCINGTHEFINANCIALRISKENTEREDINTOALEASECONTRACT,THEEQUIPMENTPRICES,RENTALSANDOTHERIMPORTANTISSUESARETODETERMINETHEONETIME,THELEASETERMREMAINSFIXED,THUSREDUCINGTHEUNCERTAINTYDUETOPRICEFLUCTUATIONSINTHEPROCESSOFRENTINGBECAUSEFINANCIALLEASINGHASTHEADVANTAGE,THEREFORE,ITPLAYSAUNIQUEROLEINSERVICEFORSMALLMICROENTERPRISES21EXPANDTHESMALLMICROENTERPRISESFINANCINGCHANNELBANKCONSIDERSTOTHESAFETYOFTHECREDITFUNDSTOSETUPCORRESPONDINGASSETSLOANMORTGAGECONDITIONS,THESMALLMICROENTERPRISESARERESTRICTEDBYMANYFACTORS,ITISDIFFICULTTOOBTAINLOANFROMTHEBANKCOMPAREDWITHTHECUMBERSOMEPROCEDUREOFTHEBANKLOANS,FINANCIALLEASINGOFTENDONOTREQUIRETHELESSEETOPROVIDECREDITGUARANTEEFINANCESIMPLICITY,THEREFORE,THEFINANCIALLEASINGFORTHOSEINTHEEARLYDAYS,THERESNOMORTGAGEASSETS,THELACKOFCOMPLETECREDITHISTORY,ASSETLIABILITYRATIOHIGHERSMALLMICROENTERPRISES,ESPECIALLYSMALLMICROENTERPRISESINTHESTARTUPSTAGETOPROVIDEAREALISTICFINANCINGCHANNELS22REDUCETHESMALLMICROENTERPRISESFUNDPRESSURECOMPAREDWITHCORPORATESELFPURCHASEOFEQUIPMENT,THROUGHFINANCIALLEASING,THELESSEEPAYSTHERENTWAYTOOBTAINTHERIGHTTOUSEOFMACHINERYANDEQUIPMENT,ACOMBINATIONOFFINANCINGANDINVESTMENT,TOCREATETHEOPERATINGPROFITALTHOUGHTHEEQUIPMENTNOTGETTINGTHEOWNERSHIPOFTHEEQUIPMENT,BUT,THEENTERPRISETOPAYTHERENTFORTHEFARLESSTHANTHEAMOUNTNEEDEDFORTHELUMPSUMINVESTMENTFINANCINGVOLUMEWITHTHEAIDOFFINANCIALLEASING,THELESSEEISBYEQUIPMENT,RETURNTHEMONEY,NAMELYTORENTWAYTOPAYFORTHEEQUIPMENTTHERENTINSTALLMENTPAYMENTAMOUNTBYTHELESSEEANDTHELESSORISBOTHINTHEIRCASHFLOWCONDITIONCONSIDEREDAFTERCERTAIN,BENEFICIALTOTHELESSEECASHFLOW,MANAGINGENTERPRISECAPITALEXPENDITURE,REDUCETHEFINANCIALPRESSUREINADDITION,BECAUSEOFTHEFINANCIALLEASINGISNOTINCLUDEDINTHECOMPANYSBALANCESHEET,THROUGHFINANCIALLEASINGENTERPRISESCANREDUCETHERATEOFASSETSANDLIABILITIES,FORTHEENTERPRISEDEVELOPMENTLAIDTHEFOUNDATIONFOROTHERFINANCINGACTIVITIES23PROMOTETHESMALLMICROENTERPRISESTECHNOLOGICALINNOVATIONFINANCIALLEASINGCANMAKEBOTHSUPPLYANDDEMANDMEETDIRECTLY,REDUCETHEINTERMEDIATELINK,SOASTOFACILITATETHEEQUIPMENTINTOTHEFIELDS,ANDDRIVEENTERPRISEPRODUCTIONDEVELOPMENT,FINANCIALLEASINGTOBECOMETHELINKOFENTERPRISESCOHESIONPRODUCTIONANDSALESDUETOTHESTRENGTHOFSTRONGSMALLMICROENTERPRISESREDUCETHEFULLRISKOFEQUIPMENTINVESTMENT,SOTHATENTERPRISESHAVEMOREENERGYTOTRACKCHANGESINTHEMARKET,ACCELERATETECHNICALINNOVATIONPACE,PRODUCESMORECOMPETITIVEPRODUCTSSMALLMICROENTERPRISESTHROUGHFINANCIALLEASINGTOREDUCETHEBURDENOFEQUIPMENTINVESTMENT,QUICKLYGETTHENEEDEDTECHNOLOGYANDEQUIPMENTTHISWAYCANSHORTENTHETECHNOLOGICALTRANSFORMATIONOFTHEENTERPRISEANDEQUIPMENTRENEWALCYCLE,THROUGHTHECONTINUOUSRENTADVANCEDEQUIPMENTTOSHORTENTHETIMEMACHINEEQUIPMENTUSE,THUSSPEEDINGUPPRODUCTIONEQUIPMENTRENEWAL,MAINTAINPRODUCTIONTECHNOLOGYLEAD,ANDSEIZESTHEMARKETOPPORTUNITIES24PROMOTETHESMALLMICROENTERPRISETODEVELOPTHEMARKETFINANCINGANDTHESALEARETWODIFFICULTPROBLEMSWHICHTHESMALLMICROENTERPRISESFACESFINANCIALLEASINGHASNOTONLYSOLVEDENTERPRISESFINANCINGPROBLEM,MOREOVERTHEHELPENTERPRISEHASDEVELOPEDTHEMARKETMAYREDUCETHESELLINGEXPENSESTHROUGHFINANCIALLEASING,REDUCESPURCHASESTHETHRESHOLD,ENHANCEMENTCUSTOMERPURCHASEABILITY,TOREDUCESELLSLINKSACCOUNTRECEIVABLEANDTHETIMESALERISKATTHESAMETIME,BECAUSEFINANCIALLEASINGISONEKINDMANAGESTHEBEHAVIOR,BETWEENTHELESSORANDTHETENANTMAINTAINSCONTINUALLYTHEGOODCOMMUNICATIONCONDITION,THETENANTCANACTACCORDINGTOTHECUSTOMERFEEDBACKTHEINFORMATION,CARRIESONTHERENEWALANDTHECONSUMMATIONTOTHEPRODUCT,MAINTAINSTHEPRODUCTTHELEADTHROUGHFINANCIALLEASING,MAYCOMMUNICATETHEFINANCE,THETRADE,TOPRODUCETHREEMARKETS,THEGUIDANCECAPITALREASONABLEORDERISMOBILE,PROMOTIONFINANCIALCAPITAL,INDUSTRIALCAPITALANDTRADECAPITALFUSION3THEPROBLEMSOFCHINASFINANCIALLEASINGANDWHY2011CHINAFINANCIALLEASINGINDUSTRYDEVELOPMENTREPORTSHOWS,TOTHEENDOF2011,286CHINESEOPERATIONSINTHEBOOKALLTYPESOFFINANCIALLEASINGCOMPANIES,FINANCIALLEASINGCONTRACTBALANCEOFAPPROXIMATELY930BILLIONYUANSHOULDSAY,FINANCIALLEASINGINDUSTRYDEVELOPMENTSCALEANDTHEDEVELOPMENTOFTHECHINESEECONOMYCONDITIONISDONTMATCH31PROBLEMSOFFINANCIALLEASINGALTHOUGHCHINAFINANCIALLEASINGBUSINESSSTARTEDIN1981,BUTLOOKONTHEWHOLE,ITISSTILLANEWBUSINESSINCHINA,ISSTILLINTHEINITIALSTAGEOFDEVELOPMENT,THEEXTERNALMARKETENVIRONMENT,THELEGALENVIRONMENTISSTILLNOTPERFECTANDMATUREASTHEMAINBODYOFMARKETRENTALCOMPANYPROFESSIONALSKILLS,MANAGEMENTLEVEL,RISKCONTROLABILITYHASYETTOBEFURTHERIMPROVED2011CHINAFINANCIALLEASINGINDUSTRYDEVELOPMENTREPORTLISTEDTHEPROBLEMSOFCHINASFINANCIALLEASINGINDUSTRYFIRST,TOFINANCIALLEASINGPROFESSIONUNDERSTANDINGEXISTENCEERRONEOUSZONETHEDEPARTMENTCONCERNEDTHOUGHTTHATFINANCIALLEASINGWILLBOOSTTHEINFLATION,THUS,THEFINANCIALLEASINGCOMPANYHASADOPTEDTHESCALECONTROLPOLICY,RENTEDENTERPRISESSOURCESOFFUNDTOCOMEUNDERTHEINFLUENCESECOND,FINANCIALLEASINGBUSINESSINAREASAROUNDTHEDEVELOPMENTISNOTBALANCEDAS90OFALLTYPESOFFINANCIALLEASINGCOMPANIESARECONCENTRATEDIN30CITIES,INCLUDINGBEIJING,SHANGHAI,TIANJIN,WHILETHERESTOFTHECOUNTRYMORETHAN200EARTHLEVELABOVETHECITY,INCLUDINGSOMECAPITALCITIES,HASNOTAFINANCIALLEASINGCOMPANYTHIRD,RELEVANTLAWSANDREGULATIONSARENOTPERFECTTHEDEVELOPMENTOFFINANCIALLEASINGINDUSTRYSTILLLACKSAUNIFIEDANDEFFECTIVEJUDICIALSAFEGUARDFOURTH,FINANCIALLEASINGCOMPANYSRISKAWARENESSISSTILLRELATIVELYWEAKTHECOUNTRYRELATEDSUPERVISORYDEPARTMENTSSUPERVISIONSYSTEMISNOTPERFECTMANYLEASEENTERPRISESDIDNOTSETUPEFFECTIVERISKCONTROLMECHANISMSOMELEASEENTERPRISEONASMALLERSCALE,BUTBUSINESSPROMOTINGSOON,CAPITALADEQUACYRATIOEVENLESSTHAN1SOMECOMPREHENSIVELEASEINTHEBUSINESSENTERPRISEDEVELOP,AFTERSALESBACKTOTHEPROPORTIONOFTHERENTISTOOBIGINADDITION,CHINASFINANCIALLEASINGINDUSTRYREGULATIONISNOTUNIFORMCHINASFINANCIALLEASINGINDUSTRY,ACCORDINGTOTHEDIFFERENTNATUREOFTHEINVESTOR,BYTHEPEOPLESBANKOFCHINA,THECBRC,THECSRC,THEMINISTRYOFCOMMERCEOFCHINA,BOTHFUNDEDBYCOMMERCIALBANKSORTHEFOURASSETMANAGEMENTCOMPANIES,NONBANKFINANCIALINSTITUTIONSSUPERVISIONBYTHECBRC,ALSOINCLUDESBYEACHKINDOFNONFINANCIALENTERPRISEINVESTMENT,THEMINISTRYOFCOMMERCEOFCHINAISRESPONSIBLETOSUPERVISE,NOTTOINCLUDETHEFINANCIALORGANTORENTTHECOMPANY。32THECAUSEOFTHEPROBLEMSTHEMAINREASONISTOINFLUENCETHEDEVELOPMENTOFCHINASFINANCIALLEASINGFIRST,THESOCIETYLACKSTHEENOUGHUNDERSTANDINGTOFINANCIALLEASINGLOOKINGFROMTHEIDEAANGLE,THECHINASENTERPRISEISACCUSTOMEDTOHAVEEQUIPMENTSPROPERTYRIGHTS,MAKESEVERYEFFORTITSELFTOHAVETHEMACHINERYEQUIPMENTTHISHASCREATEDTHEPARTIALMACHINERYEQUIPMENTIDLECONDITIONTOACERTAINEXTENTINFACT,THELEASECANGREATLYIMPROVETHEUTILIZATIONOFEQUIPMENTSECOND,ACOMPREHENSIVEPOLICYPACKAGEPROBLEMSLEASINGPENETRATIONISFARLOWERTHANDEVELOPEDCOUNTRIES,ISINCOMPATIBLEWITHTHESPEEDANDLEVELOFDEVELOPMENTOFCHINASECONOMICDEVELOPMENT,ONEIMPORTANTREASONISRELATEDLEGALCONSTRUCTIONTOLAGBEHINDTHEDEVELOPMENTOFTHELEASINGINDUSTRYINCHINA,THELACKOFAUNIFIEDFINANCIALLEASINGLEGISLATIONANDSUPPORTINGREGULATIONSARENOTPERFECT,UNDERTHEEXISTINGLAWOFCONTRACT,THEREALITYOFLAWSSYSTEM,RENTSTHEPOWERISTHERELATIONSOBTAINSTHEEFFECTIVESAFEGUARDSWITHDIFFICULTYTHIRD,THEMONEYSUPPLYPROBLEMSLEASINGCOMPANIESLACKTHENECESSARYFINANCINGCHANNELSANDMEANSOFFINANCING,FINANCIALLEASINGISNOTACCORDINGTOTHEMARKETDEMANDFORINDEPENDENTRAISEFUNDS,THEREFORE,DIFFICULTTOMEETTHEDEMANDFORRENTALBUSINESS4THESUGGESTIONSOFPROMOTECHINASFINANCIALLEASINGDEVELOPMENTINVIEWOFTHEFINANCIALLEASINGTOSMALLMICROENTERPRISESWITHOUTSTANDINGADVANTAGE,THESTATESHOULDBETHEDEVELOPMENTOFFINANCIALLEASINGTOGIVEMOREACCOMMODATIVEPOLICYCHINASINCELAUNCHINGFINANCIALLEASINGBUSINESSSINCE,AFTERMORETHAN30YEARSOFDEVELOPMENT,HASINITIALLYFORMEDACERTAINSCALE,BUT,DUETOTHEMANAGEMENTSYSTEMOFUNITY,LEASINGCOMPANYBUSINESSSCOPENARROW,RENTALAGENCIESSUCHASLESSPROBLEMSAFFECTINGTHEDEVELOPMENTOFFINANCIALLEASINGANDFUNCTIONTOSPEEDUPTHEDEVELOPMENTOFFINANCIALLEASING,SHOULDBEUNITEDFINANCIALLEASINGMANAGEMENTSYSTEM,TOSTRENGTHENTHEMANAGEMENTOFTHELEASETHEGOVERNMENTSHOULDSETUPANDPERFECTTHEFINANCIALLEASINGLEGISLATION,PERFECTTHEPREFERENTIALPOLICYBYEXPANDINGTHESOURCESOFFUNDINGINTHEFINANCIALLEASING,ANDPROMOTETHEDEVELOPMENTOFFINANCIALLEASING41TOESTABLISHAUNIFIEDFINANCIALLEASINGMANAGEMENTSYSTEMDUETOTHEMANAGEMENTSYSTEM,FINANCIALLEASINGMANAGEMENTISNOTUNIFORM,THEPATTERNOFINCONSISTENTREGULATORYSYSTEMDIFFERENTTYPESOFLEASINGCOMPANIESHAVEDIFFERENTMANAGEMENTPRACTICESTHEIRABILITYTOFINANCEISNOTTHESAME,LARGEDIFFERENCESINMARKETACTIVITY,UNEQUALCOMPETITIONWITHINTHEINDUSTRY,THUSAFFECTINGTHEDEVELOPMENTOFFINANCIALLEASINGTHEGOVERNMENTSHOULDSETUPANATIONALLEASINGASSOCIATION,TOESTABLISHAUNIFIEDMANAGEMENTSYSTEMTOREALIZETHEUNIFIEDMANAGEMENTOFTHEFINANCIALLEASINGCOMEONSTAGEOFINDUSTRYSTANDARDSANDWORKOUTUNIFIEDINDUSTRYSTANDARD,UNIFIEDTHESELFDISCIPLINEISSUEDMANAGEMENTMEASURES,CLEARALLKINDSOFMARKETACCESSCONDITIONSOFTHELEASINGCOMPANY,BUSINESSSCOPEANDOPERATINGPROCEDURES,IMPROVETHESYSTEMOFSUPERVISIONANDMANAGEMENTINDICATORS42IMPROVETHERELEVANTSUPPORTINGPOLICIESSPEEDINGUPTHEFINANCIALLEASINGLEGISLATION,ESTABLISHANDPERFECTTHEFINANCIALLEASINGREGULATIONS,STANDARDIZEALLKINDSOFFINANCIALLEASINGCOMPANYSPRODUCTS,CLEARALLKINDSOFFINANCIALLEASINGCOMPANYEQUALLEGALSTATUSPERFECTTHECORRESPONDINGPREFERENTIALPOLICIESBECAUSEOFTHEFINANCIALLEASINGHASSTRONGCROSSINDUSTRYCHARACTERISTICS,FACINGTHETAX,LICENSE,REGISTRATIONOFPROPERTYRIGHTS,IMPORTANDEXPORTTAXREBATEANDASERIESOFPOLICYISSUES,INADDITION,EACHOFTHELOCALPOLICYOFINCONSISTENTSTANDARDS,FORTHELEASEOFPREFERENTIALPOLICIESARENOTUNIFORM,SOMEPRACTICESARENOTRELEVANTDEPARTMENTSOFTHESTATERECOGNITION,FINANCIALLEASINGINTHEACTUALOPERATIONPROCESSTHEREISSOMERISKTHEGOVERNMENTSHOULDCOORDINATEALLASPECTSOFPOLICY,FORTHEDEVELOPMENTOFFINANCIALLEASINGTOCREATEAGOODPOLICYENVIRONMENT43EXPANDFINANCIALLEASINGFUNDSBECAUSECAPITALSOURCEOFASINGLE,LONGONBANKLENDING,THELEASINGCOMPANYDEVELOPMENTPOWERANDTHERISKCONTROLABILITYISINSUFFICIENTTHEGOVERNMENTSHOULDMAKETHEFINANCIALLEASINGLOANGUIDELINES,GIVENTHEFINANCIALLEASINGCOMPANIESGREATERCREDITSUPPORTPROMOTETHEDOCKINGOFTHEFINANCIALLEASEANDBONDMARKETS,CAPITALMARKETS,STUDYTHEMANAGEMENTAPPROACHONLEASINGCOMPANIESTOISSUEBONDSORIPO,EFFECTIVELYSOLVETHELEASINGCOMPANYCAPITALSOURCEINADDITION,TOSTRENGTHENTHEFINANCIALLEASINGPROPAGANDA,IMPROVETHESOCIALINFLUENCEOFFINANCIALLEASING,FORTHEFINANCIALLEASINGINDUSTRYTOCREATEAFAVORABLEEXTERNALENVIRONMENTINCREASEFINANCIALLEASINGPERSONNELTRAINING,TOPROVIDEPERSONNELSUPPORTFORTHEDEVELOPMENTOFFINANCIALLEASING5CONCLUSIONSMALLMICROENTERPRISESPLAYANINCREASINGLYPROMINENTROLEINECONOMICDEVELOPMENT,THEREFORE,THEPROMOTIONOFSMALLMICROENTERPRISESDEVELOPMENTISANIMPORTANTDRIVINGFORCEOFCHINASECONOMYINTHEFUTUREBEABLETOMAINTAINSUSTAINEDGROWTHIFDONOTSOLVETHEFINANCINGDIFFICULTIESOFSMALLMICROENTERPRISES,ITWILLAFFECTTHESUSTAINABLEDEVELOPMENTOFCHINASECONOMYTHEFINANCINGDIFFICULTIESOFSMALLMICROENTERPRISESINCHINAAREAWIDESPREADPROBLEMANALYSISOFTHEFINANCINGCHANNELSFORENTERPRISES,FINANCIALLEASINGISANEFFECTIVEWAYTOSOLVETHEFINANCINGPROBLEMSOFSMALLMICROENTERPRISESINCHINATOPROMOTETHEDEVELOPMENTOFTHECHINASFINANCIALLEASING,THROUGHTOPDOWNDESIGNOFTHESYSTEM,TOESTABLISHAUNIFIEDFINANCIALLEASINGMANAGEMENTSYSTEM,ANDIMPROVERELATEDPOLICIES,ANDEFFECTIVELYEXPANDTHEFUNDINGSOURCESOFFINANCIALLEASING翻译一金融租赁和中国的小微企业的研究摘要融资难是中国的小微企业存在的一个普遍问题，它已成为小微企业发展一个主要的瓶颈。金融租赁在小的微型企业具有显着的效果。首先，能拓宽小微企业融资渠道，第二，降低小微企业的资金压力，第三，推动小微企业技术创新，第四，推动市场发展小微企业。由于缺乏对金融租赁必要的知识，相应的政策不完善，缺乏必要的资金供给，影响金融租赁的发展。为了促进金融租赁的发展，中国应建立统一的管理制度，完善的相关政策，扩大财政资金来源租赁。关键词小微企业，金融租赁作用问题建议介绍小微企业在中国的经济过程发展起着越来越突出的作用，但是，中国的小微企业普遍面临资金短缺的困难。如何解决小微企业的融资问题是一个热门问题。在中国的经济发展有研究表明金融租赁是解决小微企业融资难的有效途径。金融租赁的良性发展，可以有效解决小微企业融资难题，从而促进经济发展。金融租赁作为一种新的交易方式，它把传统的租赁，贸易与金融方式有机的组合起来，可以理解为融资银行贷款而后的第三条道路资本市场。融资租赁具有融资和财务目标的双重功能，在实际的服务中的独特经济优势，特别是对小微企业的服务。2010年6月，中国金融机构进一步发行完成了小微企业金融服务工作的若干意见，和要求发展的融资租赁业务。充分展示金融租赁的功能，可促进小微企业的发展。1金融租赁是理想的融资方案。中国的中小企业因为中国的小微企业融资渠道狭窄，对小的金融租赁服务企业可以充分发挥优势。企业融资方式具有的股权融资和融资两类债权人的权利。股权融资可以被划分