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摘要在现代贸易中，融资租赁作为一种新的第三方设备的采集与管理的投资服务，1950年起源于美国，由于其在加速折旧方面的独特优势，促进了技术进步，提高了产品竞争力。自产生以来,世界经历了快速的发展在西方发达国家它已经成为继银行信贷之后的第二大金融工具，被称为发达国家的朝阳产业和新经济启动者。近几年随着我国市场经济的不断开放和深化，在扩大业务范围，体积和增长率等方面，我国金融租赁业取得了长远的进展和同时累积了大量的经验。融资租赁在满足市场需求方面起着积极的作用缓解公司的财务压力，促进了生产和销售的双赢，同时刺激市场的潜在活力。本文基于融资租赁的现状,进而对融资租赁进行分析，最后得出融资租赁创新的发展模式。本文回顾了相关理论,通过分析金融租赁行业的总体发展和国内外发展趋势，以及我国融资租赁产业发展现状,提出了融资租赁的实用性。关键字：融资租赁，现状，发展方向ABSTRACTInmoderntrading,thefinancialleasingasanewinvestmentserviceinthird-partyequipmentacquisitionandmanagement,wasoriginatedin1950sintheUnitedStates,becauseofitsuniqueadvantagesinacceleratingdepreciation,promotingtechnologicalimprovement,andimprovingproductcompetitiveness,itexperiencedrapiddevelopmentintheworldsinceborn.Inwesternadvancedcountries,ithasnowbecomethesecondlargestfinancialtoolsafterbankcredit,playsanimportantroleincapitalmarkeknownas“sunriseindustry”and“neweconomypromoter”indevelopedcountries.Inrecentyears,withcontinuousopeningupanddeepeningofmarketeconomyinChina,thedomesticfinancialleasingindustryhasmadesignificantprogressandexperiencedexpandinbusinesscoverage,volumeandgrowthrateetc.Financialleasingplaysapositiveroleinmeetingmarketdemand,alleviatingfinancialpressureofthecompany,boostingwin-winforproductionandmarketing,andstimulatingpotentialvitalityofthemarket.Thisresearchisbasedonthesituationoffinancialleasingtoanalyzetheexistingproblems.Inordertopromotethedevelopmentoffinancialleasing,thispaperreviewedrelatedtheoriesandputforwardsomesuggestions.Followedbystudyingfinancialleasingindustryoveralldevelopmentsandtrendsinforeignanddomestic,weanalyzeandstudyitsfinancingleasingindustrydevelopmentstatusandproblems.Finally,inviewofexistingproblems,weputforwardthecorrespondingcountermeasuresandsuggestions.KEYWORDS：financelease，currentsituation，InnovationABSTRACT目录目录前言1绪论...............................................................................................................11.1研究的目的及意义...........................................................................11.2国内外研究现状................................................................................11.2.1国外研究现状..........................................................................11.2.2国内研究现状..........................................................................22融资租赁的综述.........................................................................................52.1融资租赁的涵义及其分类................................................................52.1.1融资租赁的概念......................................................................52.1.2融资租赁的具体特点..............................................................52.1.3融资租赁的特征......................................................................62.1.4融资租赁的分类......................................................................72.2融资租赁的功能................................................................................82.2.1对承租人的功能......................................................................82.2.2对出租人的功能......................................................................92.2.3对供货商的功能....................................................................102.2.4对商业银行的功能................................................................103北京银建汽车租赁公司.............................................................................113.1公司的介绍......................................................................................113.2公司的现状......................................................................................114北京银建汽车租赁有限公司存在的问题.................................................134.1汽车融资租赁风险分析..................................................................134.1.1产品市场风险........................................................................134.1.2信用风险................................................................................144.1.3利率风险................................................................................14目录4.1.4技术风险................................................................................144.2北京银建汽车租赁有限公司的问题..............................................154.2.1租赁的观念和意识淡薄........................................................154.2.2融资渠道较为狭窄................................................................154.3北京银建汽车租赁有限公司存在这些问题的原因......................154.3.1国家政策................................................................................154.3.2风险管控能力不足，经营风险较大....................................164.3.3相关法律规范有待进一步完善............................................164.3.4监管体系不健全....................................................................165北京银建汽车租赁有限公司的解决对策及建议.....................................195.1北京银建汽车租赁有限公司的解决对策......................................195.1.1以加强职员认知力度和培养融资租赁专业人才为基础....195.1.2提高风险管理能力................................................................195.1.3优化资本结构........................................................................205.1.4以有效的行业监管................................................................205.2对公司发展进一步所提出的建议..................................................215.2.1创新融资租赁管理工具...