A Study Of Risk Prevention And Countermeasures Of Small And Medium Enterprises Finance Lease In China

Since the reform and opening up, with the deepening of market economy, China’s SMEs also experienced a rapid development. But because of the overall strength of the weak, low technological content of products, internal management problems of SMEs in China is not standardized, making it difficult for SMEs to obtain funds to support the development of SMEs require from the bank by way of indirect financing. Due to the high threshold of equity financing and debt financing, determine how you want to take advantage of direct financing for SMEs to obtain financing becomes more realistic. We can say that the problem of financing constraints has become the largest development and prosperity of SMEs shackles.Finance lease was obtained after the introduction of a great development; it has played an important role in corporate finance. Finance lease because both dual property financing and financing thereof, in enterprises, especially SMEs to provide financing services have a lower threshold for financing, long-term financing, improving liquidity, etc., is very suitable to solve the financing needs of SMEs. But in practice the activities of SMEs finance lease, the lessee and the lessor both sides often face multiple risk credit risk, moral risk, operational risk, hindering the effective implementation of financial leasing business activities, it is difficult to play in the SME finance lease the positive role of the financing should play.Firstly, a large number of finance leases related theoretical research, we laid the theoretical foundation for this article relevant. Then from the perspective of internal financing and external financing of the analysis of the financing situation of SMEs in China, come to our country, especially SMEs, to foreign financing of direct and indirect financing to solve financial problems through internal financing conclusions. Then combined with the status quo of Chinese SMEs financing difficult to find the reasons for the difficulty of financing from their own, financing, as the Government. Through a comparative analysis of various financing methods, combined with its own characteristics of SMEs, to analyze the financial leasing is an effective way to solve our problem of financing SMEs. But in practice the activities of SMEs finance lease, the lessee and the lessor both sides often face multiple risks of various types of risk, hindering the effective implementation of financial leasing operations. From both the lessor and lessee to explore for venture financing leasing activity in the presence of, and use in the form of cases we analyzed and explained. Finally, based on the above analysis from the lessee, the lessor, as the Government preventive countermeasures targeted, better play to solve our financial leasing SME Financing Problems effect on promoting the healthy development of SMEs.