融资租赁在经济危机下可以发挥哪些作用？

融资租赁在经济危机下可以发挥哪些作用？ 借用融资租赁这一形式，To a certain extent, it can effectively supplement financial investment.。

Relying on financial subsidy policies，Using financial leasing as a medium，A series of institutional arrangements using fiscal funds as leverage，Guide the flow of private capital to industries that comply with macro-industrial policy development plans，Stimulate private investment in total amount，Balance investment direction structurally，It also reduces the financial burden，and ensure the sustainability of the policy。　 该形式的三点

Advantages

决定了其在经济危机下，激发民间投资的可行性。

1,从制度上优化了财政补贴民间投资的路径 具体安排可以为：符合产业政策的行业采用融资租赁方式引进设备时，Receive government rent subsidies from leasing companies，The rent paid by the lessee is the remainder of the original rent after deducting government subsidies.。

This form of subsidy，Directly targeting the physical investment link，Avoiding risks such as fund misappropriation caused by direct monetary subsidies，There is no need for the government to intervene in physical procurement，This makes it possible to implement larger-scale policy funds to subsidize private investment.。The implementation of policy subsidies will undoubtedly reduce the cost of private investment，thereby stimulating private investment。

2,同银行贷款相比，融资租赁是一种具有较长融资期限的融资方式 通常贷款期限比一般资产的经济寿命短得多，The lease period of a finance lease is close to the economic life of the leased object.。in economic crisis、Amid sluggish demand，It is difficult for companies to form optimistic expectations for a short-term economic reversal.，Not willing to take the risk of breaking the capital chain，Carrying heavy short-term debt and investing for long-term growth。

But companies will not deny the long-term development of the economy because of the economic crisis.，Financial leasing in terms of financing term

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Played an encouraging role in corporate investment。　　 3,融资租赁可以加快设备更新速度 由于租赁期一般短于法定折旧期，This allows companies using this financing method to accelerate depreciation。as

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Analyzed by No. 2 Middle School，The economic crisis puts pressure on enterprises mainly in the short term。

Accelerated depreciation can allow investment projects to obtain greater tax benefits in the early stages of operation.，Reduces financial stress，Weakened the impact of economic crisis and short-term recession expectations on investment，Resolved some concerns about private investment。

Increase monetary policy path options，弥补单一银行信贷的不足 根据J.Bradford DeLong和Lawrence H.Summers的理论：“大萧条”是企业的通缩预期即预期价格下跌导致的。通缩预期让众多企业推迟投资支出，私人投资大幅削减。

基于这样的理论，各国央行纷纷采用扩张性货币政策，向市场注入流动性，以期通过降低利率，打消通缩预期，鼓励民间投资，我国亦不例外。　　 由于我国金融市场尚不成熟、whole，Monetary policy can only be transmitted to the real economy through a single bank credit channel，Facts have shown that such a transmission mechanism has the disadvantage that it is difficult for small and medium-sized enterprises to obtain credit funds.。

It is precisely whether the domestic demand of small and medium-sized enterprises can be boosted.，Can private investment follow up?，Whether the economy can develop healthily plays an important role。According to calculations，At present, more than 50% of my country’s GDP、60%Gross industrial production above、70%About 75% of the new industrial output value and 75% of the jobs come from small and medium-sized enterprises.。As credit grows,，The increase in loans to small and medium-sized enterprises has shrunk sharply。

This fully demonstrates that the existing credit system, dominated by large banks, cannot meet the financing needs of small and medium-sized enterprises.。The main reason is that，with huge financial needs，Compared with large enterprises with sound corporate governance structures，The system construction of small and medium-sized enterprises is lagging behind，High degree of information asymmetry，information acquisition、Loan management costs are relatively high，As a result, banks are unwilling to serve small and medium-sized enterprises。　　 对此，Financial leasing will provide an effective way。

first，Financial leasing is a comprehensive transaction financing process that combines financing and property financing.，This particularity ensures that financiers are subject to rigid constraints on the use of funds obtained.，The risk of fund misappropriation is basically eliminated，Reduces banks’ costs in loan review and supervision。Secondly，Financial leasing uses the leased equipment itself as collateral，Generally no additional security or collateral is required，Reduces contracting uncertainty。

at the same time，due to financing、Consistency of melting process，The purchase value of the collateral is its current market value，Determining the value of collateral can eliminate the need for asset assessment.，Saving related

cost

。Even if it still needs to be evaluated，There is also market value as a reference，Reduce or even avoid the risks that may arise in this step of assessment。

In view of the above two points

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，I believe that financial leasing can greatly increase the enthusiasm of financial institutions to serve small and medium-sized enterprises.，To boost domestic demand，Encourage private investment to follow up，Promote healthy economic development and provide effective assistance。　 盘活存量资产，Accelerate destocking，改善企业经营状况 改革开放以来，Foreign trade has always been a powerful engine driving our country’s economy.，And the dependence on foreign trade shows an increasing trend.。

Such an economic structure determines that in the context of the international economic crisis，The main problem facing our economy is how to solve the overcapacity caused by the rapid decline in external demand as soon as possible，Get the entire economy back up and running as quickly as possible。

Destocking will play an important role in this process，Only by completing destocking first，Tight capital chains are relaxed，Businesses can reopen，and re-release production capacity according to market demand.，Business conditions improved，so that the entire economy can work again。　　 融资租赁促销上的功能可以为加速去库存化作出积极的贡献。There are many forms of financial leasing，The ownership of the leased property is also flexible and diverse when the lease ends.。

More competitive than promotion methods such as installment payments。because，Installment payment only provides financing convenience to users，And financial leasing，在给承租人（用户）提供融资便利的同时，It also facilitates the lessee’s choice of ownership of the leased property.。

Financial leasing usually also has powerful service functions，Generally speaking, the rental properties sold through highly professional leasing companies are mostly those with highly specialized technologies.、Professional maintenance and management required、Equipment with strong versatility and rapid technological updates，Lessors not only provide financing convenience to lessees through promotions，and provide a full range of services。These characteristics make financial leasing a powerful promotional method。

also，融资租赁在对外促销本国产品方面更有独到之处，因为这种方式相对于其他出口方式而言具有难以比拟的优点：one，利用租赁出口享受出口国的优惠政策且不违反WTO 规则。

For example, the export of machinery and equipment，If traditional government subsidies are used to expand exports，Although it can achieve the purpose of promotion，却违反了WTO 规则中的相关条款，Vulnerable to prosecution by the importing country and other countries。

but，Implement preferential policies such as low-interest loans and subsidies into the export leasing of machinery and equipment through leasing companies，can effectively avoid the above contradictions，thereby reducing rental costs，Enhance the competitiveness of leasing companies in the international market，boost its sales。

Second，Take advantage of rental exports，Unlike export credit, it does not have to accept various international practices, especially the World Organization for Economic Co-operation and Development.(OECD)Export Credit Agreement，Therefore, enterprises in exporting countries have greater autonomy.，More conducive to product competition。

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