论我国商业银行金融租赁业务解禁后的发展

金融租赁与商业银行联系紧密,它是商业银行最重要的中间业务之一。在我国,商业银行的金融租赁业务由于政策所限,其作用和意义远未被充分重视。2007年1月,我国商业银行的金融租赁业务重新解禁。这对于我国金融租赁行业和银行业的创新发展具有重要的现实意义,但是,商业银行开展金融租赁业务也面临着种种问题和风险。因此,本文在探讨商业银行开展金融租赁业务的意义和可行性同时,也着重分析了其所要面临的主要障碍,并提出了相应的对策性建议。

Reflections on the Rescindment of Financial Leasing Prohibition in China's Commercial Banks

Financial leasing is closely related to commercial banks,and it is one of the most important intermediate businesses of commercial banks.In China,due to policy constraints,its role and significance is far from being fully recognized.In January 2007,our commercial banks were allowed to conduct financial leasing business,which have important practical significance for China's financial leasing industry and banking industry.But commercial banks will also be faced with problems and risks.The paper not only discusses the significance and feasibility of financial leasing,but also puts emphasis on the analysis of main obstacles,and puts forward suggestions.