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论文编号：	5790
作者编号：	2120112748
上传时间：	2013/12/4 18:36:37
中文题目：	民生金融租赁有限公司业务模式发展研究
英文题目：	Research on Business Model of Minsheng Financial Leasing Co.,Ltd
指导老师：	黄福广
中文关键字：	民生金融租赁公司;融资租赁业务模式;租赁模式创新
英文关键字：	Minsheng Financial Leasing Co.,Ltd;Business Model of Financial Leasing;Leasing Model Innovation
中文摘要：	民生金融租赁股份有限公司通过其在公务机特殊目的公司租赁和船舶租赁的领先优势，在这五年里获得了巨大成功。现在，所有融资租赁公司都面临同样的四重困境：在有限的目标市场里日趋激烈的竞争；较为单一的融资渠道使该行业后续资本不足；广受争议的“假租赁、真贷款”的业务发展模式在业内的普遍存在对企业长期发展造成的风险隐患；相关法律法规的缺失带来的监管不力和监管过度并存对企业发展的制约。为研究民生金融租赁股份有限公司在当前的不利局面下应当如何通过加强和改进业务模式以实现其的战略目标，本文首先回顾了与该公司所从事的融资租赁业务模式相关的租赁发展周期理论、四大支柱理论、经营战略理论和市场营销4Cs理论。然后，结合当前融资租赁业面临的四大问题，使用通用电气矩阵等分析工具，从产品、客户和服务三个方面对民生金融租赁的各业务模式特别是公务机融资租赁特殊目的公司业务模式和其特色化的船舶租赁模式进行简要分析。最后,作者得出该公司应通过聚焦核心优势业务，扩大融资来源，改善债务结构和完善风险管理等措施改进和完善公司的融资租赁的结论。本文认为，现阶段融资租赁业务模式急待改善和创新。首先，民生金融租赁应当调整业务模式组合，将资源优先向公司最为成功的公务机融资租赁模式和多样化特色化的船舶租赁方向倾斜，稳步退出其它业务，努力提高经营性租赁的比重，同时仍需尽可能着手在中小企业板块尝试创新型的业务模式探究；其次，应尝试大力发展租赁资产证券化和上市融资以拓展融资渠道和分散风险；最后，应不断加强和完善风险管理体系，并增加中长期债务融资，改善债务比例，以确保公司稳健发展。
英文摘要：	Minsheng Financial Leasing Co.,Ltd held a great success in the recent five years through its leading position in the domestic executive airplane SPV (Special Purpose Vehicle) leasing Market and Ship Financial Leasing Market. After the frenzied growing, all Chinese domestic Financial Lease Company faced same 4 big difficulties: The ever-intense competition in the limited target market; The lack of successive capital due to the only finance Channel for those Financial Lease Companies ruled by the laws and regulations; The potential risks for the long-term development of the companies casted by the overwhelmingly existences of the controversial “fake lease” (The nickname of Financial Lease in purpose of providing actual loan to the lessee) Model in the industry; The constraints on the development of those financial lease companies brought by the co-existence of Extensive and weak controls on the industry caused by the lack of related laws and regulations. To study on how could Minsheng Financial Leasing Co.,Ltd enhanced and improved her Business Models at current disadvantageous surroundings to realize its strategy goals, firstly the essay reviewed the related Lease Development Cycle Theory, Four Pillars Theory, Business Strategy Theory and 4Cs Theory. Then, with the considerations on the 4 big difficulties above-mentioned, from the 3 different aspects of the company-Products, Customers and Services, we conducted the brief analysis on all business models of the company especially on the Executive airplane SPV leasing Model and its characteristic Shipping Leasing Model by applying the GE matrix and etc. Finally, this essay obtained the result of by focusing on its advantageous core business models, building up more resources of Financing, optimizing the structure of the liabilities and perfecting the risk management, the company would improve and perfect the financing lease of the company. This essay drew its conclusions that the Business models of the Financial Leasing badly need the improvement and the Innovations at current Phase. Firstly, Minsheng Financial Leasing Co.,Ltd should modify the combination of her business models by leaning her most resources to her most successful Executive airplane SPV leasing Model and its characteristic Shipping Leasing Model, withdrawing steadily from the other business models, trying to raise the proportion the operating leasing taking, at the same time, still giving their supports and attentions on the innovative business model at the small-and-midium-sized enterprises’ sector as far as possible. Secondly, the company should attempt to devote more efforts to developing the Leasing Asset Backed Securitization and to raise money by public offerings in order to increase financing channels and dispersing the risks. Last but not least, to ensure the stable development of the company, it should strengthen and optimize the risk management system continuously as well as improving the structure of liabilities by increasing the middle and long term borrowings at the same time.
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