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金融租赁是20世纪50年代兴起于美国的一种新型租赁方式。在发达国家,金融租赁业已发展成为与银行信贷、资本市场并驾齐驱的三大融资工具之一。在美国,目前租赁企业达三干多家,租赁渗透率达17%,日本的租赁企业也有一千多家,渗透率也在百分之十几。相比之下,中国目前融资租赁企业只有二百多家,较为准确的数字大概是260家,渗透率不足3%,发展空间很大。目前我国金融租赁的整体规模还较小,整个行业资产大约8000亿元。在8000亿元的租赁资产中,60%以上的资产主要集中在银监会监管的金融租赁公司(商务部辖管的租赁公司称为“融资租赁公司”)。工银金融租赁有限公司(下称“工银租赁”)资产目前达到800亿元,约占整
Financial leasing is a new type of leasing that emerged in the United States in the 1950s. In developed countries, the financial leasing industry has developed into one of the three major financing tools that keep abreast of bank credit and capital markets. In the United States, there are currently over three dozen leasing companies with a leasing penetration rate of 17% and more than a thousand leasing companies in Japan with a penetration rate of over 10%. In contrast, there are currently only over 200 financial leasing companies in China. The more accurate figure is about 260, with a penetration rate of less than 3% and ample room for development. At present, the overall size of China’s financial leasing is still small, with an industry-wide asset of about 800 billion yuan. Of the 800 billion yuan of leased assets, more than 60% of assets are mainly financial leasing companies regulated by the CBRC (leasing companies under the jurisdiction of the Ministry of Commerce are referred to as “financial leasing companies”). ICBC Financial Leasing Co., Ltd. (hereinafter referred to as “ICBC Leasing”) assets currently reach 800 billion yuan, accounting for about