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融资租赁支持中小微企业的策略分析

Strategies of Financial Leasing to Support Micro,Small and Medium-sized Enterprises

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融资租赁作为一种创新的融资方式,对中小微企业融资需求有更强的契合性.然而,目前我国融资租赁行业面临规模较小、业务模式单一等问题,对中小微企业融资的支持力度有限.为改善中小微企业融资环境,融资租赁行业需要回归租赁本源,推进业务创新,改善市场环境.同时,还要充分利用支持民营经济发展的新政策,打破"所有制偏好"的惯性思维.此外,相关部门应积极推进法治建设,强化司法保障,出台优惠政策,为融资租赁行业的发展创造有利条件.随着我国金融市场的不断完善,融资租赁行业有望继续迎来更大的发展空间,既为中小微企业融资提供更为有力的帮助支持,也为我国经济注入新的活力.
Micro,small and medium-sized enterprises are facing financing problems,and financial leasing,as an innovative financing model,has a stronger fit for the financing needs of MSMEs.However,China's financial leasing industry is facing problems such as small scale and single business model,and its support for MSMEs is limited.In order to improve the financing environment for MSMEs,the financial leasing industry needs to return to the origin of leasing,promote business innovation,improve the market environment.At the same time,it is neces-sary to make full use of the policies supporting the development of private economy,break the inertia thinking of"own preference".In addition,the relevant departments should actively promote the construction of the legal sys-tem,strengthen judicial protection,and introduce preferential policies to create favorable conditions for the devel-opment of the financial leasing industry.With the continuous improvement of China's financial market,the finan-cial leasing industry is expected to continue to usher in more space for development.Both for small and medium-sized enterprises to solve the problem of financing difficulties,financing expenditures to provide more powerful help support,but also for China's economy to inject new vitality.

financial leasingMSMEsfinancing challengesequipment renewal

黄培卿

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甘肃兰银金融租赁股份有限公司,甘肃兰州 730010

融资租赁 中小微企业 融资难题 设备更新

2024

陇东学院学报
陇东学院

陇东学院学报

影响因子:0.204
ISSN:1674-1730
年,卷(期):2024.35(4)
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