摘要：中小企业在当今世界各国经济发展中是个“强势”群体，具有举足轻重的作用，受到各国政府的重视。在我国，中小企业已经成为近年来经济增长的主要支撑力量之一。但是，由于中小企业先天不足，所以在其自身发展过程中，往往存在许多发展障碍，其中最突出的就是融资难。在解决融资难的问题上，西方发达国家利用融资租赁来解决该问题，并取得了不错的效果。经过多年的发展，这些西方国家的融资租赁在法律制度、运作模式等方面已经非常健全和完善。借鉴国外的先进经验，以融物形式达到融资目的的融资租赁作为一支长期被忽视的金融力量，是解决我国中小企业融资难题的一剂良方。它集物与资于一体，为金融市场和投资市场开辟新的融资渠道。随着经济的发展，融资租赁的模式也不断创新，使其具有灵活的运作方式和广阔的使用空间。
本文基于上述特点，构建适合我国中小企业的融资租赁模式。在结构上，论文分成五部分，第一部分分析了我国中小企业融资难的现状，指出融资租赁正是解决这一困难的新渠道。第二部分对国内外的融资租赁业发展进行讨论，并说明融资租赁能给中小企业带来的优势。第三部分以浙租为例，对融资租赁的模式和流程进行分析。第四部分是通过“浙租模式”分析目前我国租赁行业存在的问题并提出相关建议。最后一部分为总结语。
关键词：中小企业 融资租赁 租赁模式 浙租模式
Abstract: Medium-sized and small enterprises are a strong group plays a decisive role in the economic development and the government attach important to them. In our country, small and medium-sized enterprise has become one of the main supporting powers of economic growth in recent years. There are many disorders during the enterprise development just for their congenital defects. But the biggest disorder is the financing difficulty. On the solution to the problem of financing difficulties, the western developed countries use of financing lease to solve the problem, and achieved good effect. After years of development, the legal system of the financing lease and the operation mode has a very sound and perfect grades in West Country. Financing lease as a team to solve financing difficult problem has been ignored by us. Commerce and finance often become part action of the financing lease. With the development of economy, the innovation model of financing lease comes out, which made the financing lease become more flexible and used more widely.
The paper sets up fancying lease model for middle and small-sized enterprises by analyzing the characters mentioned above. This paper is divided into four parts: The first part analyses the present situation of the financing difficulties to the medium and small-sized enterprises, points out that the financing lease is the new channel to solve this difficult. The second part describes the development between the domestic and foreign, and explains what advantage the financing lease can bring to enterprises. The third part takes Zhejiang Financing Lease as an example to analyze the model and process of financing lease. The fourth part discusses the problem of leasing industry in our country and puts forward related suggestions. The last part is a summary.
Key words: middle and small-sized enterprises financing lease leasing model Zhejiang leasing model
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