| In the normal production and operation of small and medium-sized enterprises,what is lacking most often is not short-term productive liquidity,but investment in fixed assets used to purchase production equipment.The price of a set of advanced machinery and equipment is usually as high as one million or even ten million,which is a heavy burden for small and medium-sized enterprises.Few small and medium-sized enterprises can spend such a huge amount of money to purchase equipment at one time.At present,domestic financial institutions do not provide sufficient support for equipment financing for SMEs,which makes SMEs face greater financial pressure when purchasing equipment.Without the purchase of advanced equipment,small and medium-sized enterprises will not be able to further expand production,which will undoubtedly limit the sound development of small and medium-sized enterprises in China.As a new type of financing method,financial leasing has the characteristics of long term,preferential tax,flexible repayment and so on,which brings good news to small and medium-sized enterprises.However,at present,the financial leasing business of small and medium-sized enterprises in our country is still lower than that in foreign countries.Taking CD commercial bank as the research object,this paper will adopt the methods of model correction,regression analysis,case analysis and induction,quantitative analysis,etc.to study the pricing design and product scheme design of financial leasing business of small and medium-sized enterprises in Xindu region,and explore the pricing model and product design scheme of the bank suitable for the development of financing lease business of local SMEs.This paper first introduces the financing status of SMEs and the development of financial leasing business in China,and then introduces the basic theory and pricing design basis of financial leasing business.Also,the advantages of financial leasing business and traditional bank loan business are compared and analyzed.At the same time,this paper analyzes the economic development of Xindu District and the financing status of local small and medium-sized enterprises,and reveals the fact that the pricing mechanism of local SMEs’ financing lease is fixed and the product scheme design model is single.Then,in view of this phenomenon,this paper takes Xindu Branch of CD Commercial Bank as the research object,carrying out the theory and the practice research on the pricing and the product scheme design of the financing lease business of the small and medium-sized enterprises in the New Capital area.A pricing model and a product design scheme suitable for the development of local SME financing business were formulated for the bank.Finally,a representative small and medium-sized enterprise in Xindu district was taken as an example.Based on the pricing model of financing lease,the initial pricing of financing lease business is determined.According to the characteristics of the enterprise’s capital demands,a financial lease product scheme is designed to meet the actual operating needs of this enterprise,providing reference for other local financial institutions to carry out financial leasing services for small and medium-sized enterprises. |
