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融资租赁作为一种现代租赁方式,将融物与融资有效结合,对急需资金血液进行产业转型的中小微企业来说,具有相比银行借贷、债券股权融资不可比拟的优势。近年来,我国融资租赁业取得了快速发展,同时也面临着诸多问题。在政策进一步放开的大好形势下,合理判断风险、进一步细分市场、促进产品创新,能够使融资租赁更好地与实体经济对接,释放企业、特别是中小微企业的潜能。
As a modern leasing method, financial leasing effectively combines financial assets and financing, and has advantages over small and medium-sized micro-enterprises that need to capitalize on the blood for industrial restructuring compared with bank lending and bond equity financing. In recent years, China’s financial leasing industry has achieved rapid development, but also faces many problems. Under the favorable situation of further liberalization of policies, judging risks rationally, further market segmentation and product innovation will enable financial leasing to better connect with the real economy and release the potential of enterprises, especially small and medium-sized enterprises.