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论文编号：	12786
作者编号：	2320190585
上传时间：	2021/12/9 1:58:25
中文题目：	TJ金融租赁公司经营优化研究
英文题目：	Research on the Optimization of TJ Finance Leasing Company
指导老师：	郝臣
中文关键字：	融资租赁；提升转型；经营优化
英文关键字：	Financial Leasing;Transformation and Upgrading;Operation Optimization
中文摘要：	融资租赁凭借其方式灵活，种类多样的特点，已成为我国金融市场的重要组成部分。历经十余年的高速发展后，行业的利润率越发降低，增长趋势明显放缓，2020年更是出现了存量业务规模的负增长。粗犷的业务模式已不符合现阶段的发展需求，相关政策和法律法规也在引导租赁行业回归本源，因此融资租赁企业很有必要对经营进行全面优化，一是为企业运转提供新的动能，二是促进行业持续、更好的发展。 作者查阅了国内外学者与融资租赁公司经营优化相关的不同角度、不同时期的文献，了解到国内外研究在该领域的区别与共性。选取TJ金融租赁公司作为研究对象，首先，对案例公司做全面概述，介绍了股东背景和主营业务情况；其次，以财务数据和经营数据作为支撑，又选取了行业内不同股东背景、不同资产规模的十家标杆企业，将案例企业的各项数值与自身进行纵向对比，与标杆企业进行横向对比，通过纵向对比的趋势变化和横向对比的数值差额，发现自身的优点与不足；再次，结合行业的外部环境和企业的内部限制，从业务、财务融资、风险防控等角度进行深入分析，找出现存的经营问题；最后，提出具体方案和配套措施，方案对每项问题进行针对性的优化，配套措施使方案制定后能有效落实。 本文的研究结果和建议可概括为：TJ金融租赁公司在业务开展方面对大股东有较强依赖，业务关联度较高，通过提升业务自拓能力，调整产融结合的模式，丰富业务种类和布局，可以在继续为大股东提供良好的保障服务的前提下，改善该问题；融资方面目前过于依赖银行借款，融资成本没有优势，未来依托于良好的股东背景，增加发行各类债券，可起到降低融资成本，加速资金流转，调整负债期限的作用；近两年的风险管理水平下降，存在一定隐患，施行全面风险管理体系是必要之举，以制度形成约束，以体系构筑基础。各项合理对策可使TJ金租经营得到有效优化，也希望本文提出的各项对策能为行业内具有相似情况的公司提供一定的借鉴和帮助。
英文摘要：	With its flexible ways and various features, financial leasing has become an important part of China's financial market, playing a unique role in promoting the upgrading of equipment in real industries and revitalizing fixed assets. After the rapid development of financial leasing in China for more than ten years, the profit rate of the industry has been decreasing, and the growth trend has slowed down significantly. In 2020, there will be a negative growth in the invetory scale of stock business. The rough business model no longer meets the development needs of the current stage,related policies, laws and regulations are also guiding the leasing industry to return to its roots. It is necessary for financial leasing enterprises to comprehensively optimize their business policies, firstly, it can provide new kinetic energy for enterprise operation, secondly, it also promotes sustainable and better development of the industry. As a practitioner, the author consulted the literatures of domestic and foreign scholars from different angles and periods related to the operation optimization of financial leasing companies, and learned the discrepancies and commonalities of domestic and foreign research in this field. Finally the author selected TJ Financial Leasing Company as the research object. In this thesis he made a comprehensive summarization to the company at first, the background of shareholders and the main business situation are introduced. Secondly, supported by financial data and business data, ten benchmarking enterprises with different shareholder backgrounds and different asset scales in the industry were selected, and the values were compared with the TJ Financial Leasing Company itself vertically while the values were compared with the other ten enterprises horizontally. Through the trend changes of vertical comparison and the numerical differences of horizontal comparison,advantages and disadvantages of TJ FLC were found. Thirdly combined with the external environment of the industry and the internal restrictions of enterprises, the writer made an in-depth analysis from the perspectives of business, financial financing, risk prevention and control, etc.Finally the existing business problems have been found, and specific plans and supporting measures were made case by case. The plan optimizes each problem in a targeted manner, and the supporting measures enable the plan to be effectively implemented after being formulated. The research results and recommendations of this article can be summarized as follows: Although TJ Financial Leasing Company has a strong dependence on major shareholders in terms of business development, the concentration of business types is relatively high, by enhancing business self-expanding capabilities, adjusting the model of industry-finance integration, and enriching business types and layout, the problem can be improved；financing is too dependent on bank borrowings, financing costs have no advantages, in the future, relying on a good shareholder background, increasing the issuance of various types of bonds can reduce financing costs, accelerate capital flows, and adjust the debt structure; the risk management level of TJ Financial Leasing Company has declined in recent two years, and there are certain hidden dangers. It is necessary to implement a comprehensive risk management system, which forms constraints by the system and builds the foundation by the system. All reasonable suggestions can effectively optimize TJ Financial Leasing Company's operations, and hopefully to provide some reference and help for companies which are in the similar situations in the industry.
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