银行系金融租赁:扩张、风险与对策

首批银行系金融租赁公司的资产规模高速扩张,对经济增长的促进作用进一步显现。然而,高速扩张的银行系金融租赁公司在经营理念、市场定位、行业集中度、资产流动性、租赁模式等方面存在的风险隐患值得关注。排除风险隐患,引导融资租赁行业可持续发展,银行系金融租赁公司的经营理念要由资金引导型向物权引导型转换,市场定位要向节能减排和中小企业倾斜,行业选择要走差异化发展道路,要把握租赁资产出/入口提高资产流动性,同时还要创新租赁结构实现租赁模式多样化。

Bank-owned Finance Leasing:Expansion,Risks and Countermeasures

The high-speed expansion of assets size of the first group bank-owned finance leasing companies plays an important role in promoting economic growth.However,the high-speed expansion implies potential risks of these companies in such aspects: operating philosophy,market posi-tion,industry concentration,asset liquidity,and leasing patterns.To rule out the potential risks and lead the sustainable development of finance leasing industry,bank-owned finance leasing companies should convert operating philosophy fr...