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作为我国改革开放之初的一种金融创新,融资租赁在我国经历了从巅峰到谷底的发展过程。作为对欧、美与我国人世谈判要价的承诺,我国在入世后立即开放融资租赁市场,并承诺在5年保护期满后,允许外资银行开展融资租赁业务。目前,已有许多外国投资人进入中国融资租赁市场。与此相对照的是,我国至今尚不存在具有一定规模的出租人,受我国金融业分业经营的管制,我国的商业银行尚不能从事融资租赁业务。本文的目的,旨在通过对我国融资租赁发展历史的客观分析,找出导致我国融资租赁业现状的根源,并为后WTO时代实现融资租赁在我国金融业中的地位重构指出方向。
As a financial innovation at the beginning of China’s reform and opening up, financial leasing has undergone a process of development from the peak to the bottom in our country. As a commitment to negotiate the prices of the peoples of Europe and the United States and China, our country immediately opened up the financial leasing market after China’s accession to the WTO and promised to allow foreign banks to carry out financial leasing business after the expiration of the five-year protection period. At present, many foreign investors have entered China’s financial leasing market. In contrast, our country still does not exist a certain size of the lessor, controlled by the separate operation of the financial industry in our country, our country’s commercial banks can not yet engage in financial leasing business. The purpose of this paper is to find out the root causes of the status quo of China’s financial leasing industry through the objective analysis of the history of China’s financial leasing development and to point out the status reconstruction of the financial leasing in China’s financial industry in the post-WTO era.