融资租赁—我国农村金融的现实选择

近年来，资金投入不足，融资难的问题日益成为制约我国农村经济发展的主要瓶颈。由于信息不对称问题的存在，使农村金融市场呈现出信贷需求旺盛与农村信贷供给不足的矛盾，这对矛盾使得银行信贷已远不能满足农村融资的巨大需求。本文基于此，提出将融资租赁引入到农村金融市场这一设想。
本文通过对融资租赁的优势分析，得出融资租赁是比银行信贷更适合农村金融市场的融资手段，通过国外发展的状况及经验提出了对我国的启示，最后以融资租赁农机为例分析了我国农村发展融资租赁的有利条件及业务模式探索，进而得出融资租赁是我国农村金融的现实选择这一结论。研究本课题主要是想为解决农村融资难的问题提供参考，把融资租赁理论运用到涉农领域，充实融资租赁理论。

关键词：融资租赁；农村融资；发展模式

Lease financing - the realistic choice of rural finance in China
ABSTRACT

In recent few years, insufficient capital investment, financing difficult problems has been increasingly becoming the main bottleneck of rural economic development. The rural financial market emerged credit demand and rural credit supply of conflict because of the information asymmetry. This makes the bank credit can't satisfy the huge demand of rural finance any more. Based on this, the paper puts forward the financing lease into the idea of rural financial market.
The article concludes that financing lease is more suitable than bank credit financing in rural financial market through the analysis of the advantages of financing lease. And then puts forward their inspiration to China by foreign development status and experience. Finally, this paper analyzes the development of rural market financing lease favorable conditions and business mode exploration as the example of agricultural machinery equipment, and then we draw the conclusion that financing lease is the realistic choice of rural finance. The main purpose of this project is to provide reference for solving the financing difficult questions, applying the theory of the financing lease in agricultural areas and enrich financing lease theory.

Key words: Financing lease; Rural financing; Development mode

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