The Research On Win-win Cooperation Model Of Financing Lease For Coal Enterprise On China

China is gradually entering a new stage of development,the financing demand of coal enterprises is more urgent in the development process of technology upgrading,equipment replacement,transformation and reorganization.With the overcapacity of coal,the coal market and the profit of coal enterprises has fallen sharply.The vast majority of the banks have begun to compress the credit lines of coal enterprises and reduce the scale of credit,and the financing difficulties of coal enterprises are becoming more and more apparent.In recent years,the financial leasing business,which is different from the ordinary bank credit,has developed rapidly in China.It can bring new opportunities for the coal industry,but the financing leasing companies does not have enough cooperation enthusiasm for the coal enterprises.After research,it is found that under the traditional mode of financing lease,each side only pay attention to the maximization of its own interests and the minimization of its own risk.So,the conflict of interests often makes the cooperation failure.Therefore,in order to solve the defects of the traditional mode of financing lease,focus on the dynamic adjustment of the risk and income of the two parties,based on the theory of economics and financing leasing,in order to achieve the goal of "risk sharing and sharing benefits",a cooperation and win-win model of financing lease is designed,which takes the financial leasing company and the coal enterprise as the strategic cooperation alliance.Through an example of case,it demonstrates the feasibility of adopting the mode of financial leasing cooperation and win win in coal enterprises.First of all,this paper makes an in-depth analysis of the plight of financing credit financing for coal enterprises.It is found that the phenomenon of credit rationing exists generally,the phenomenon of information asymmetry between banks and enterprises is more serious.Under the great pressure of the coal market economy,the risk of bank credit is increased,and the difficulties of obtaining bank credit funds by coal enterprises are becoming more and more difficult.Then,this paper expounds the inevitability of choosing a financing mode for coal enterprises.Through the interview method and fish chart analysis method,this paper analyzes the shortcomings of the traditional mode of the financing lease of the coal enterprises under the plight of credit financing.Focusing on the dynamic adjustment of the risk and income of the two parties and the idea of Balanced Scorecard,this paper design a cooperation and win-win model of financing lease,and have applied and verified in coalenterprises in all directions.The research finds that: first,the cooperation and win-win model of financing lease is the optimization and upgrading based on the traditional mode of financing lease,under the special industry and special period.It will help to solve the plight of the credit financing of coal enterprises and promote the rapid development of the innovation of the financing leasing industry.Secondly,the operation of the win-win mode of financial leasing is realized by the dynamic adjustment of each others risk and income by the two parties.This dynamic adjustment helps the financing leasing industry to break the tradition,innovation and upgrade,and the rapid development of health and stability.Finally,the maturity of the financial leasing industry is bound to be a deep cooperation and a win-win situation.At last,the paper puts forward corresponding suggestions to the two parties of the financing lease and the government.