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    我国融资租赁监管制度研究

    摘要

    近年来,我国融资租赁行业交易主体和市场规模呈爆发性增长,在国民经济中日益发挥重要作用。随着融资租赁行业统一归口,未来商业租赁行业监管一定会从国家大战略出发,从严控制风险,行业整顿已经拉开序幕。本报告首先总体描述了我国融资租赁行业的监管概况,介绍了监管机关对我国融资租赁行业的监管思路及要求,重点列示出目标、原则、标准和内容。在现状论述的基础上,本报告逐步阐述了原有监管体系下的租赁行业存在的潜在问题,简析了统一监管的重要意义,并对未来监管政策方向进行前瞻,提出了部分合理化建议。统一监管长远来看利大于弊,融资租赁监管有望接轨国际,也有利于更好地控制社会金融风险。

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    Abstract

    In recent years,China’s financial leasing industry transaction subjects and market size show explosive growth,playing an increasingly important role in the national economy. With the unified consolidation of the financial leasing industry,the supervision of the commercial leasing industry in the future will start from the national grand strategy and strictly control risks. The industry rectification has started. First of all,this paper describes the overview of China’s regulatory authorities on financial leasing industry,introduces the regulatory thinking and requirements of China’s financial leasing industry,and lists the objectives,principles,standards and contents. Based on the discussion of the current situation,the potential problems existing in the lease industry under the original supervision system are elaborated step by step,the significance of unified supervision is briefly analyzed,the future direction of supervision policy is forecasted,and some rationalization Suggestions are put forward to provide beneficial reference for the healthy development of the industry. Unified supervision will do more good than harm in the long run. The regulation of financial leasing is expected to be in line with international standards,which will also help better control social and financial risks.

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    作者简介
    韦静强:韦静强,经济学博士,清华大学科技金融博士后,供职于中国光大银行,研究方向为金融控股集团、银行信贷、投资银行、资本市场、融资租赁。
    郭哲宇:郭哲宇,金融学博士,特华博士后科研工作站博士后,现供职于长安国际信托股份有限公司办公室,研究方向为金融监管、信托、融资租赁、产业经济等。
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