论文部分内容阅读
融资租赁是以融物的方式达到融资的 目的,如果仅考虑融资风险而忽视了其他 方面,实际上亵渎了融资租赁。融资租赁的 特点是出租人同时拥有物权和债权,物权 是债权的基础,失去物权的债权其风险和 一般的贷款没什么区别。租赁降低了对用 款人信用的过度依赖,解决了贷款中不可 以解决的问题,使得融资租赁成为中小企 业融资的重要渠道。
Financial leasing is to melt the way to achieve the purpose of financing, if only to consider the financing risk ignoring other aspects, in fact profiteering financial leasing. Financial leasing is characterized by the lessor at the same time have real rights and claims, real rights are the basis for claims, the loss of real rights claims the risk and general loans no difference. Leasing reduces the overreliance on the credit of users, solves the problem can not be solved in the loan, making financing leasing an important channel for SME financing.