本文選題：融資租賃 + 經(jīng)濟增長　； 參考：《西南財經(jīng)大學(xué)》2014年碩士論文

【摘要】：融資租賃,集金融、貿(mào)易、服務(wù)為一體,以其獨特的金融功能成為國際上僅次于銀行信貸和資本市場的第三大融資手段。自2007年銀監(jiān)會頒布了《金融租賃管理辦法》后,融資租賃業(yè)在我國迎來了其第二次高速發(fā)展的時期。在我國經(jīng)濟快速發(fā)展的背景下,我國融資租賃行業(yè)的發(fā)展與經(jīng)濟的增長是否有著相互促進的關(guān)系?怎樣才能更好的發(fā)展我國融資租賃行業(yè),并讓其支持我國經(jīng)濟健康、快速地發(fā)展?這是文研究的目的。 帶著此研究目的,本文在第一章闡明了融資租賃的研究背景和研究意義,綜述了融資租賃行業(yè)在國內(nèi)外的發(fā)展歷程和各界對于融資租賃的理解,明確了融資租賃在本文中的定義,確定了本文的研究思路以及實證研究和案例研究相結(jié)合研究方法并簡要總結(jié)了本文的創(chuàng)新和不足。 在第二章中,本文對于國內(nèi)外學(xué)者在融資租賃中的研究進行了文獻綜述。發(fā)現(xiàn)國內(nèi)外學(xué)者大多將融資租賃的研究范圍集中在微觀經(jīng)濟領(lǐng)域,從企業(yè)的角度出發(fā),研究稅收、法律等對于融資租賃在企業(yè)中的運用有何影響。還有一些學(xué)者從金融衍生品的角度出發(fā),研究融資租賃資產(chǎn)證券化等課題。但是從宏觀經(jīng)濟角度出發(fā)并且針對我國融資租賃行業(yè)來進行相關(guān)課題的研究卻相對較少,在此基礎(chǔ)上,本文建立了我國融資租賃行業(yè)與經(jīng)濟增長關(guān)系的研究目標(biāo)。 在本文第三章中,通過對融資租賃行業(yè)宏觀經(jīng)濟效應(yīng)的主要作用機制的理論分析,得出了融資租賃通過產(chǎn)融結(jié)合來促進經(jīng)濟發(fā)展這樣一個作用機理。因此,本文選擇用GDP增長率為因變量、租賃滲透率為自變量來作為兩個最有代表性的影響因素,對融資租賃與經(jīng)濟增長的關(guān)系來進行實證研究。通過建立線性回歸模型,運用ADF檢驗和隨機擾動項單位根檢驗對模型進行修正,得到本文實證分析的結(jié)論,即我國租賃滲透率和GDP增長率呈正相關(guān)關(guān)系,這表明我國融資租賃業(yè)可以促進我國經(jīng)濟的增長。 在第四章中,本文以工銀租賃作為典型案例,具體分析了融資租賃在我國經(jīng)濟發(fā)展中所處的地位和所發(fā)揮的作用。通過分析工銀租賃的發(fā)展歷程和其在融資租賃業(yè)中的創(chuàng)新實踐,本文說明了工銀租賃在發(fā)展自身的同時也促使了我國融資租賃行業(yè)的進步,使融資租賃行業(yè)在我國經(jīng)濟發(fā)展中的地位日益提高。本文對工銀租賃在實踐中開展的廠商融資租賃業(yè)務(wù)、批量直接購機業(yè)務(wù)、跨境人民幣租賃業(yè)務(wù)這三個租賃項目的經(jīng)濟效應(yīng)進行分析,進一步證實了融資租賃通過產(chǎn)融結(jié)合進而促進經(jīng)濟增長的這一作用機理。 根據(jù)本文在前面章節(jié)的研究,在本文的第五章中,首先總結(jié)了對我國融資租賃業(yè)與經(jīng)濟增長關(guān)系這個研究中的研究結(jié)論。本文通過第三章的實證研究和第四章的案例研究得出了以下3個研究結(jié)論：1、融資租賃對經(jīng)濟增長具有確定的促進作用；2、租賃業(yè)的良性發(fā)展是融資租賃良性發(fā)展的基礎(chǔ)和前提；3、產(chǎn)融結(jié)合是融資租賃促進經(jīng)濟增長的具體路徑。接著根據(jù)本文的研究結(jié)論和我國融資租賃發(fā)展的實際狀況提出了以下4個建議：1、通過穩(wěn)步推進銀行、證券公司、保險公司與融資租賃公司的合作,積極推動理性金融創(chuàng)新；2、進一步發(fā)揮融資租賃“融資與融物”相結(jié)合的比較優(yōu)勢,全面服務(wù)于實體經(jīng)濟的轉(zhuǎn)型發(fā)展；3、結(jié)合中國經(jīng)濟和金融的全球化進程,前瞻性地推動融資租賃業(yè)的國際化；4、通過加強內(nèi)部風(fēng)險控制和外部金融監(jiān)管相結(jié)合,有效防范金融風(fēng)險。本文希望通過提出這些政策建議,為我國將來經(jīng)濟政策的實施和調(diào)整提供一份可靠的科學(xué)依據(jù)。
[Abstract]:Financial leasing, which integrates finance, trade and service, has become the third largest financing means next to bank credit and capital market by its unique financial function. Since the CBRC issued the "financial leasing management method" in 2007, the financial leasing industry ushered in the period of its second rapid development in China. In the context of the exhibition, is there a mutual promotion between the development of financial leasing industry and economic growth in China? How can we better develop the financial leasing industry in our country, and let it support the healthy and rapid development of our economy? This is the purpose of the study.
With the purpose of this study, this paper expounds the research background and significance of financing lease in the first chapter, summarizes the development process of the financial leasing industry at home and abroad and the understanding of the financial lease, clarifies the definition of the financing lease in this article, and confirms the research ideas of this paper and the combination of empirical and case studies. Research methods and brief summary of the innovation and shortcomings of this paper.
In the second chapter, this paper makes a literature review on the research of domestic and foreign scholars in financial leasing. It is found that most scholars at home and abroad focus on the research scope of financial leasing in the microeconomic field. From the perspective of enterprises, how to study the impact of tax and law on the use of financial leasing in enterprises. From the perspective of financial derivatives, research on financing lease asset securitization, but from the perspective of macro economy and the research on the financing leasing industry in China is relatively few. On this basis, this paper establishes the research goal of the relationship between financial leasing industry and economic growth in China.
In the third chapter, through the theoretical analysis of the main mechanism of the macroeconomic effect of the financial leasing industry, the paper draws a conclusion that the financing lease can promote economic development through the combination of production and finance. Therefore, this paper chooses the GDP growth rate as the dependent variable and the leasehold rate as the independent variable as the two most representative figure. This paper makes an empirical study on the relationship between financial leasing and economic growth. By setting up a linear regression model, using ADF test and random perturbation unit root test to modify the model, we get the conclusion of this empirical analysis that China's leasing permeability and the GDP growth rate have a positive correlation, which indicates that the financial leasing industry in China is available. To promote the growth of our country's economy.
In the fourth chapter, the article analyzes the position and role of the financial lease in the economic development of our country by taking the renting of the industrial bank as a typical case, and through the analysis of the development course of the renting of the workers and the innovative practice in the financial leasing industry, this article shows that the renting of the Industrial Bank has also contributed to the development of our country. The progress of the leasing industry has made the financial leasing industry more and more important in the economic development of our country. This paper analyses the economic effects of the three leasing items, such as the financial leasing business of the manufacturer, the direct purchase business and the cross-border RMB leasing business, which has been carried out in practice, and further confirms that the financing lease is produced through the production. The mechanism of integration to further promote economic growth.
According to the research in the preceding chapter, in the fifth chapter of this article, it first summarizes the research conclusions on the relationship between the financial leasing industry and the economic growth in China. This paper draws the following 3 conclusions through the empirical study of the third chapters and the case study of the fourth chapter: 1, the financing lease has a definite promotion to the economic growth. 2, the benign development of the leasing industry is the basis and premise of the benign development of financial leasing. 3, the combination of production and financial leasing is the concrete path to promote the economic growth. Then, according to the conclusions of this paper and the actual situation of the development of financial leasing in China, the following 4 suggestions are put forward: 1, by steadily advancing the bank, the securities company, and the insurance The cooperation between the company and the financing leasing companies actively promotes the rational financial innovation; 2, further play the comparative advantage of the combination of financing and financial leasing, and fully serve the transformation and development of the real economy; 3, combine with the globalization process of China's economy and finance, forward the internationalization of the financial leasing industry in a forward-looking manner; 4, by adding Strong internal risk control and external financial supervision are combined to effectively prevent financial risks. This paper hopes to provide a reliable scientific basis for the implementation and adjustment of our future economic policies by putting forward these policies and suggestions.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.49;F124.1

【參考文獻】

相關(guān)期刊論文 前1條

1 叢林;;創(chuàng)新助力金融租賃縱深發(fā)展[J];中國金融;2013年09期

相關(guān)博士學(xué)位論文 前2條

1 陳建中;融資租賃理論與業(yè)務(wù)創(chuàng)新研究[D];中南大學(xué);2009年

2 王涵生;金融租賃國際比較研究[D];河北大學(xué);2010年

，

本文編號：1972078