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谢伏瞻
    中国社会科学院学部委员,学部主席团主席,研究员,博士生导师。历任中国社会科学院院长、党组书记,国务院发展中心副主... 详情>>
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李培林
    男,汉族,出生于1955年5月,山东济南人,博士,研究员,全国人民代表大会社会建设委员会副主任委员,中国社会科学... 详情>>

    2018年的中国金融租赁业

    摘要

    随着我国经济由高速增长阶段转向高质量发展阶段,防范化解重大风险在“三大攻坚战”中居首,而防控金融风险又是防范风险的重中之重。面对复杂严峻的国内外经济金融形势,按照第五次全国金融工作会议精神要求,商务部将融资租赁公司的监管权限正式划转给了银保监会,行业向统一监管规则的时代迈进。从行业结构来看,金融租赁在严监管下逐渐收紧,外资租赁和内资租赁在行业规范前仍保持增长;从区域发展来看,自贸区成为拉动融资租赁企业增长的重要政策因素;从问题和不足来看,前期快速增长积累风险开始逐渐暴露,行业发展面临信用风险、流动性风险和合规风险等挑战。新时代的金融租赁行业要在有效管控风险、严守风险底线基础之上,由“求大求快”向“做强做优”转变,充分发挥金融租赁特色功能,不断提升金融租赁服务水平,主动向高质量发展转型。

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    Abstract

    Along with the transforming of China’s economy from the stage of rapid growth to of high quality growth,the precaution and removing of the major risks is a significant battle of the “three-uphill battle” while the financial risk is one of the most important of all major risks. Facing the complicated and challenging environment of finance within and out of China,the Ministry of Commerce of the People’s Republic of China,according to the spirit of National Finance Working Conference,has formally assigned the regulatory authorities of lease finance companies to CBIRC,which means that the whole industry will step to the age of unified supervision. Within this industry,financial leasing grew slowly under the strict financial supervision while the lease of foreign capital and domestic capital are still increasing before the coming of the unified supervision. As the regional distribution,Free Trade Zone has become a key factor of policy to fuel the growth of financial leasing enterprise. As to the problems and disadvantages,the risks accumulated by rapid growth previously are coming to be exposed and the industrial development is facing to the challenge of credit risks,liquidity risks and compliance risks,etc. Our suggestion thus is,based on controlling risks effectively and holding the bottom line of risks strictly,the financial leasing industry of new age should chase the quality and strength rather than the speed and scale while giving full play to its function,improving its service level and transforming to high-quality development proactively.

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    作者简介
    何海峰:何海峰,博士,中国社会科学院金融研究所结构金融研究室主任。
    杨博钦:杨博钦,博士,航天科工金融租赁有限公司总裁。
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