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本科生毕业论文论文题目：美国现代融资租赁业的发展及其对我国的启示学院：经济与工商管理学院年级：2011级专业：金融学姓名：王烨学号：20114815指导教师：杨忠海2014年11月16日I摘要随着产业国际化的发展，融资租赁在经济发展中的作用就越来越重要。融资租赁具有带动产业结构升级、拉动国内需求、盘活资产存量的宏观经济功能和支持中小企业发展、提高资金利用率、改善企业经营管理等微观经济功能。而美国是现代融资租赁业的发源地，也是现代融资租赁业最为庞大、发达的市场。研究美国现代租赁业的发展特点及成就，分析其发展过程中的问题，可以认识到我国融资租赁业与世界融资租赁业发达市场的差距，从而借鉴美国成功的经验及失败的教训，结合我国融资租赁业现状，大力发展我国融资租赁业并完善相关政策。关键词现代融资租赁业；发展特点；经验教训；借鉴IIAbstractWiththedevelopmentoftheindustryinternationalization,theroleoffinancingleaseintheeconomicdevelopmentismoreandmoreimportant.Financingleasehastheupgradingoftheindustrialstructure,howtovitalizeinventoryassetsandenlargingdomesticdemandofmacroeconomicfunctionandsupportthedevelopmentofsmallandmedium-sizedenterprises,increasingtheutilizationoffunds,improveenterprisemanagementandsoonmicroeconomicfunction.AndtheUnitedStatesisthebirthplaceofmodernfinancingleasing,alsoisthelargest,thedevelopedmodernfinancingleasingmarket.Studythecharacteristicsofthedevelopmentofmodernleasingandachievements,analyzesitsproblemsintheprocessofdevelopment,canrealizetheworldfinancingleasingandfinancingleasinginChinathegapbetweendevelopedmarkets,soastodrawlessonsfromthesuccessfulexperienceandfailurelessons,togetherwiththepresentsituationofourcountryfinanceleasing,financingleasingandimproverelevantpoliciesinChina.KeywordsModernfinancingleasing;Developmentcharacteristics;Lessonslearned;Reference摘要···············································································································IAbstract·········································································································II前言··············································································································1一、美国现代融资租赁业的发展历程························································1（一）融资租赁初创期············································································1（二）融资租赁发展期············································································1（三）融资租赁繁荣期············································································2（四）融资租赁停滞期············································································2（五）融资租赁恢复期············································································2二、美国现代融资租赁业发展过程中存在的问题·······································2（一）前期缺乏行业经验·········································································21.前期没有合理的机构模式·······························································22.初期融资租赁业务专业人员短缺·····················································23.业务品种单一················································································3（二）没有配套的法律政策，没有完善的信用评价系统····························3（三）部分项目租金难以回收··································································3（四）缺乏信贷支持政策，保险体制的支持·············································3（五）风险管理出现问题·········································································3三、美国现代融资租赁业的特点和成就·····················································4（一）美国现代融资租赁业的特点···························································41.融资租赁公司三分天下···································································42.融资租赁创新产品不断出现····························································43.政府优惠政策和完善的法律法规·····················································54.融资租赁观念深入人心···································································55.国际融资租赁发达··········································································56.相关专业人才齐全··········································································5（二）美国现代融资租赁业的成就···························································5四、美国融资租赁业发展经验对我国的启示···················································6（一）对租赁理念上的重新认识······························································6(二)政府政策························································································6(三)成立租赁行业的归口管理部门·························································7(四)业务要不断创新··············································································7(五)提高租赁从业人员的整体素质·························································7（六）完善风险防范机制，解决项目租金回收难问题·······························7（七）加强风险信贷资产管理··································································71．严格实施货款规范和操作程序·······················································72．采取风险货款管理措施·································································83．提足用好风险准备金····································································8结论··············································································································9参考文献······································································································10致谢·············································································································11美国现代融资租赁业的发展及其对我国的启示1前言以技术设备租赁为其主要内容的现代租赁业，起源于上个世纪50年代，发展于60年代，70年代向世界范围渗透，80年代已发展成为一种国际性的设备投资的多功能型的新型产业。而融资租赁作为一种特殊的租赁方式，对促进产业发展、解决融资难题具有重要意义。我国的融资租赁业与发达国家相比，还有一定差距，所以，以美国为首的主要工业发达国家租赁业的产生、发展和实践过程中的经验，对于我国现代融资租赁业的发展和完善都有着重要的参考价值和借鉴经验。一、美国现代融资租赁业的发展历程现代融资租赁是指设备需求者（承