On Joint-stock Commercial Banks To Carry Out Financial Leasing Business Problems And Countermeasures

After over 20 years'development, stock commercial banks have been the most important component of Chinese financial system. On the one hand, they enlarged the volume of the whole financial system; on the other hand, they improved the efficiency of bank industry. However, facing the fierce competition after the entrance of WTO, stock commercial banks should increase core Competitive ability through their different services, so as to compete with state owned commercial banks and foreign commercial banks.The thesis takes the revised"management means of financial leasing company"as the background, raises the problems of financial leasing service. And it gives the countermeasure of these problems. In conclusion, stock commercial banks should carry out the financial leasing service vigorously.Firstly, it discusses the important function of commercial banks in the world economy and development of financial leasing. Secondly, it discusses the necessities and possibilities of financial leasing service of stock commercial banks. The necessities are developing the bank service, seeking the high quality project, enhancing the income and being advantageous for handing bad assets. The possibilities are mainly discuss from the macro economy, the development of financial market, the revised"management means of financial leasing company", the venture management ability, fluidity, customer and superiority of branches. Thirdly, it discusses the main problems of financial leasing service of stock commercial banks and the causes of the problems. One is that our financial market is not mature in legislation, judicial efficiency, credit system, property appraising system, second hand market and the misunderstand of financial leasing service. One is that the financial leasing service needs banks to enhance their venture management ability. Another one is the problems of customer development, human resources and the owing rent fees. Fourthly, it gives the suggestions to stock commercial banks of financial leasing service. One is to consummate the policy of the industry, meanwhile, to strengthen the management of the industry. One is to build the venture controlling system, in this part, it mainly discusses from the risk recognition, risk controlling and the factor of risk. Another one is to divide the market, to form the strategic alliance with the large-scale manufacturer and to do more researches of financial leasing service. Fifthly, stock commercial banks should remove the barrier and enlarge the scope of services, in order to promote the ability of profit and seek a place in the intense competition.