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“一带一路”背景下融资租赁行业面临的法律风险及防范对策与建议
发布日期:2018-9-5

转自:国药控股融资租赁

足球竞彩网 2013nian9yuehe10yue,zhongguoguojiazhuxixijinpingzaichufangzhongyahedongnanyaguojiaqijian,xianhoutichugongjian“sichouzhilujingjidai”he“21shijihaishangsichouzhilu”(yixiajiancheng“yidaiyilu”)dezhongdachangyi,dedaoguojishehuigaoduguanzhu。

足球竞彩网 rongzizulinzuoweijirongziyurongwu、maoyiyujishufuwuyuyitidexinxingjinrongchanye,zi20shiji80niandaiyinjinzhongguoyilaifazhansuduxunmeng,weizhongguojingjidefazhandailaileqiangyoulidezhicheng。zai“yidaiyilu”dezhengcebeijingxia,rongzizulinxingyemianlingzheqiansuoweiyoudejiyuhetiaozhan。


当前融租租赁业的发展现状

suizheguojiajidifangbuduanchutaixiangguanzhengcefaguizhichirongzizulinyedefazhan,xingyehuanjingzhubugaishan,woguorongzizulinyededaolekuaisufazhan。


当前融资租赁业的区域分布特征

juzhongguozulinlianmeng、tianjinbinhairongzizulinyanjiuyuanzuzhibianxiedezhongguozulinlanpishu《2015nianshangbannianzhongguorongzizulinyefazhanbaogao》xianshi:jiezhi2015nian6yuedi,quanguorongzizulinzuqiujingcaiwangzongshuyuewei3185jia,bishangniandide2202jiazengjia983jia;xingyezhucezijin,anrenminbiyishijiaojisuan,yuehe10030yiyuan,bishangyinianduzengjia3419yiyuan;quanguorongzizulinhetongyueyuewei36550yiyuan,bishangyinianduzengjia4550yiyuan,zengfuwei14.2%。suiranshangbannianzhengtijingjixingshibingbulixiang,danrongzizulinxingyequenishishangyang,zuqiujingcaiwangshuliang、xingyeshili、yewuzongliangdouzaidafuzengzhang,jixuchengxianyouhaoyoukuaidefazhantaishi。

muqian,shanghaizimaoquhetianjindongjianggangbaoshuigangqushiwoguorongzizulinyedeliangdazhengcegaodi,shixianlerongzizulinxingyedejiankangfazhan,youqishidongjianggangbaoshuiquyijingchengweiwoguozuizhuyaodefeijihechuanborongzizulinjujidi,yeshiquanguozuidaderongzizulinchanyejujidizhiyi。


融资租赁行业的业务范围

jinnianlai,rongzizulinyeshejideyewufanweichulechuantongdejianzhu、yiliao、gongchengjixiedenglingyu,haiyanshenzhilehangkong、hangyun、dianli、nongye、xinnengyuandenglingyu,bingxingchenglexiangyingdechanpinxian,youxiaodedaidonglerongzizulinxingyedekuaisufazhan,cujinlewoguojingjijiegoudediaozheng。

genjushangwubu《2015nianzhongguorongzizulinyefazhanbaogao》xianshi,rongzizulinzichanzongepaimingqianwuweidexingyefenbieshijiaotongyunshushebei、tongyongjixieshebei、gongyezhuangbei、jianzhugongchengshebeihejichusheshijibudongchan,qianwudaxingyerongzizulinzichanzongezhanzongrongzizulinzichanzonge50.0%。


“一带一路”背景下的融资租赁

行业的发展优势

2014nian7yue,guowuyuanyinfale《guanyujiakuaifazhanshengchanxingfuwuyecujinchanyejiegoudiaozhengshengjidezhidaoyijian》,rongzizulindiyicibeidingweiwoguodangqianzhongdianfazhandeshengchanxingfuwuxingyezhiyi,guojiaduirongzizulincujinjingjijiegoudiaozhenghezhuanxingshengjijiyuhouwang。yuzhongyangzhengcexianghuying,tianjinshizhengfubangongtingyeyu2015nian1yuefabule《guanyujiakuaiwoshirongzizulinyefazhandeshishiyijian》(jinzhengbanfa【2015】2hao)jiuruhecujinwoshirongzizulinyedefazhantichulezhuduojianshexingyijianheshishicujincuoshi。zaiguojiajianshe“yidaiyilu”zhanlvehejingjizhuanxingbeijingxia,woguorongzizulinyemianlinqiansuoweiyoudefazhanjiyu。

rongzizulinyezaizhichifuwuyu“yidaiyilu”zhanlveshishi、duigaoduanzhuangbeizhizaoyefazhan、chanyejiegouyouhuayijicujinjingjijiegouzhuanxinghezhichizhongguozuqiujingcaiwang“zouchuqu”dequanjuzhanlvebujuzhongjuyoudutedeyoushi。


1、rongzuzulinyeduicujinchanyeshengjiqidaotuidongzuoyong。xiangbiyinxingxindaidengqitachuantongderongzifangshi,rongzizulinzaizhichichanyeshengji,youqishibangzhuzhongxiaozuqiujingcaiwangwanchengjishugaizaofangmianjuyouwukebinideyoushi。ruketongguoshouhouhuizudezulinfangshibuchongzuqiujingcaiwangzishendeliudongzijin,congerzuqiujingcaiwangkejianggengduodezijintourudaotishengjingyingfazhanzhongqu。


2、rongzuzulinyeweiwoguogaoduanzhizaoyefazhantigongzijinzhichi。rongzizulinyekeyihuanjiefeiji、chuanbo、tongxunshebei、jiqiren、jixieshebeidengyixiegaoduanzhizaoyehezibenmijixingchanyedezijinyali,qierongzizulinzaiguojiataotailuohouchanneng,gengxinjishuzhuangbeidengfangmianjunkefahuizijinyoushi。


3、rongzizulinyenenggoujiejuezhongxiaozuqiujingcaiwangrongzinanwenti。weizhongxiaozuqiujingcaiwangliangshendazaorongzichanpin,tigonggengjiakuaisuderongziqudao。


4、jijixiangying“zouchuqu”defazhanzhanlve,daidonggengduodeguoneishebei、jishu、fuwuchukou,ladongjingjidezengzhang。


“一带一路”背景下融资租赁

行业面临的法律风险

足球竞彩网 xianxingrongzizulinyewumoshibaokuozhijiezulin、shouhouhuizu、changshangzulin、weituozulin、lianhezulin、zhuanzulin、gangganzulindeng,qizhongzhuyaoyizhijiezulinheshouhouhuizuweizhu,qiesuizhexingyedefazhanyechuxianlexuduochuangxindejiaoyimoshi,rudongjiangbaoshuigangquteyoude“dongjiangzulinmoshi”。rongzizulinxingyemianduidefalvfengxianzhuyaolaiziyuyixiajigefangmian:


宏观经济形势及国内产业的影响

rongzizulinxingyedefazhanyushitijingjiyouzhemibukefendeguanxi,shijiyewuzhongshejidebiaodewu,zhuyaoshijizhongyushitichanyezhongdejixieshebei。suizhechanyejiegoudiaozhengdebuduanshenru,guoshengheluohouchannengzhubutaotaidengyinsudeyingxiang,yixieshitixingyeshoudaolejiaodadeboji,duichengzurendezhengchangjingyinghechangfunenglizaochengjiaodaleyingxiang,lirugangmao、shuini、fangzhidengxingye。


承租人违约风险

足球竞彩网 chengzurenzuichangjiandeweiyuexingweijiushiweinenganzhao《rongzizulinhetong》deyuedinganshichanghaizujin,daozhirongzizulingongsizaoshoulejudadecaichansunshi。zhisuoyichuxianshangshuweiyueqingkuang,chulehongguanjingjideyingxiang,yeyuchengzurensuochuxingyedejiaoyimoshijizuqiujingcaiwangzishenjingyingquexiandengyinsuyouguan,rumouxiexingyecunzaidehubaowenti,huiyingebiezuqiujingcaiwangchuxianwentiqianliandaohubaozuqiujingcaiwangdejingyingqingkuang,shenzhichuxianxingyefengxian。


融资租赁公司自身操作风险

足球竞彩网 1、rongzizulingongsidefengxiankongzhicuoshicunzaibuzu

xuduorongzizulingongsiyouyuchenglishijianjiaoduan、fengxianjizhibujianquan、quefajingyandengyinsu,zaihetongdiyueguochengzhongmeiyoujianliwanshanzhenmidezixinshenchahefengxianguanlijizhi,daozhiduichengzurendezixinzhuangkuangdiaochabugouquanmian、wanzheng。chengzurenrongyichuxianxialuobumingdaozhisongdachuxianwentidengqingkuang;shouhouhuizuyewuzhongjingchangchuxianrongzizulingongsiduichengzurentigongderongzibiaodewushuyuchayan、lvxingdengjidengshouxu,qiecunzaiduizulinwudesuiyidingjia,quefabiyaodepinggucuoshideng;shenzhichuxianchengzurenyuchumaireneyichuantong,xugouzulinwujixujiajiaofu,taoqurongzizulingongsizijindexingwei。

ciwai,genju《zuigaorenminfayuanguanyushenlirongzizulinhetongjiufenanjianshiyongfalvwentidejieshi》diyitiaodierkuandeguiding,duiyumingweirongzizulinhetong,danshijibugouchengrongzizulinfalvguanxide,renminfayuanyinganzhaoqishijigouchengdefalvguanxichuli。zaishouhouhuizuyewuzhong,jingchanghuichuxianyinrongzirenyurongzizulingongsiweishijibanligudingzichanguohushouxudengbuguifancaozuo,erbeirendingfeirongzizulinfalvguanxidefengxian。


足球竞彩网 2、hetongtiaokuanbugoumingque

rongzizulinhetongyibanyourongzizulingongsijinxingtigong,chengzurenyoushijiyuxuqiuzijin,duihetongzhongdetiaokuanwangwangbujinxingxiangxideyuedu。rongzizulinhetongzhongduizulinwucanzhiyoushibingwumingqueyuedingjigusuanyiju,jiaoweisuiyi。erzaisusongguochengzhongrongzizulingongsiyuchengzurenwangwangzaigaiwentishangcunzaijudafenqihezhengyi。qiehetongtongchanghuiyuedingrongzizulingongsijiangxiangchumairendesuopeiquanfuyuchengzuren,qijinfuxiezhusuopeiyiwu,danhetongzhongduirongzizulingongsiruhelvxingxiezhusuopeiyiwubingwumingqueyueding,duiyuxiezhuderendingzhengyijiaoda。


租赁物权属公示机制不完善

zulinwudaduoshuweishebeidengdongchan,duiyudongchandegongshimuqianquefatongyigongshijizhi,shijianzhongchangchangchuxianzulinwuxialuobumingyijichengzurenshanzixiangdisanrenzhuanrangzulinwudengqingxing,congeryingxianglejiaoyianquan。jinguantianjinshigaojirenminfayuanyu2011nianfabule《guanyushenlirongzizulinwuquanshuzhengyianjiandezhidaoyijian(shixing)》,renkelezhongguorenminyinxingzhengxinzhongxinrongzizulindengjigongshixitong,jirongzizulingongsidebaohudailaileqiangyoulidebaozhang,danshijianzhongquecunzaizherongzizulingongsidengjibuguifan、fayuanduixitongdeshuzhidubuqiangdengyinsu,zaisusongguochengzhongyechengweileshuangfangzhengyidejiaodianwenti。


融资租赁行业

防范法律风险的对策和建议


完善融资租赁行业相关的法律法规

足球竞彩网 muqianguanyurongzizulinfangmiandefalvfaguixiangduijiaoshao,chu《hetongfa》dishisizhangjizuigaorenminfayuan《guanyushenlirongzizulinhetongjiufenanjianshiyongfalvwentidejieshi》wai,shangwuguifanwanzhengderongzizulinzhuanmenfalv。suizhe“yidaiyilu”detuixingjixingyedebuduanchuangxinyufazhan,xianyoudefalvtixihaixuyoujiaodadetishengkongjian,zaijiyuwoguozishenqingkuangdejichushang,keyicanzhaoguowaichengshudejingyanbuduanjianlijianquanrongzizulinfalvtixi,weixingyedefazhanbaojiahuhang。


提升风险控制水平

zaifengxianjizhifangmian,jianyirongzizulingongsi:shouxian,jiaqiangduichengzurenzixinshenchajizhi。duinengfanyingchengzurenjingyingzhuangkuang、zizhizhengjian、xinyongbaogaodengcailiaojinxingrenzhenhecha。dier,wanshanhetongtiaokuanhezhongshijieshishuoming,duizulinwuzhiliangwentiyuzhifuzujindeguanxi、suopeiquanlidexingshi、weiyuezerendechengdan、zulinwucanzhipinggufangshidengtiaokuanjiayixiangxishuoming。disan,jianlichengzurenjingyinggenzongjizhi。zaiqiandingrongzizulinhetongzhihou,jianlichangtaihuadegoutongjizhi,bingjiezhuyouxiaoziyuanheliliangshishizhangwochengzurendezulinwushiyongjijingyingzhuangkuang。disi,jiaqiangshiwucaozuojiandu,duiyurongzizulingongsineibugongzuorenyuandegongzuojinxingxiangxidejiandu,jianshaoyinzishenyuanyinzaoshoububiyaodesunshi。


完善租赁交易配套措施

zhenduizulinwudaduoshuweidongchanquefasuoyouquandengjigongshijizhi,jianyiwanshanzhongguorenminyinxingzhengxinzhongxinrongzizulingongshixitong,baozhangrongzizulingongsiduizulinwudequanli,shidedisanrenyeketongguoshangshuxitongzhixiaozulinwudeshijiquanlizhuangkuang,jiangdishejizulinwudejiaoyifengxian。tongshimianduizulinwurongzizulingongsiwangwangquefachulizulinwudechuliqudao,yincijixujianligongyun、gaoxiaodezulinwucanzhipinggujizhi,bingpeiyujianliercizulinshichang,congeryouxiaojiejuerongzizulingongsiyuchengzurenduizulinwucanzhidezhengyiyijishixianzulinwuhuishouhoudezaiciliyong。


发挥融资租赁行业协会的优势加强行业沟通

rongzizulinxingyexiehuiduicujinyeneijiaoliuheguifanxingyefazhansuoqideqiaoliangheyindaozuoyongburonghushi。rongzizulinzuoweiguoneixinxingdejinrongxingye,qifazhanxianzhuanghedongtaiyibannanyiweiyewairenshisuoshenrulejie。youyurongzizulingongsijiufenjiaoduo,weigenghaodechulixingyejiufen,jianyijiaqiangfayuanshenpanrenyuanyurongzizulinxingyezuzhidegoutonghejiaoliu。keshishiyaoqingrongzizulinxingyezhuanjiaweishenpanrenyuanjubanyouguanrongzizulinxingyedongtai、jiaoyimoshichuangxin、gongsijingyingheguanlidengfangmiandezhuantijiangzuo,cujinshenpanrenyuanduirongzizulinxingyedelejie、chubeixiangguandezhuanyejinrongzhishi;zaigeanquanjiehediaotinggongzuozhong,jijiyaoqingxingyexiehuicanyu,fahuiqiteshuyingxiangli,zhutuijiufenhuajie。


注重融资租赁人才的培养

rongzizulindeyewushuxingyaoqiucongyerenyuanxujuyoujiaogaodeyewusuyang,weigenghaodefangfanfengxianjianyirongzizulingongsidaliangdexishoujinrong、falv、caiwudengfangmiandezhuanyexingrencai,bingduiyuangongjianliwanshandepeiyangjizhi,shiyuangongshuxihezhangwozhenggeyewuliucheng。

“yidaiyilu”defazhanzhanlvebijiangdailaijichusheshi、chanyekaifa、rongzihezuodengfangmiandezhangzufazhan。rongzizulinxingyeyaojiezhu“yidaiyilu”dedongfeng,zhuazhujiyuhuodegenghaodefazhan,chuleyaogenjujingjixingshiheshichangxuqiubuduankaifaxindeyewumoshiwai,haiyingtishenghefaheguicaozuodenenglijifangfanfalvfengxiandenengli。zaineibuguifanjizhengcehuanjingjunlihaodeqingkuangxia,rongzizulinxingyebujinnengshixingyezishenhuodekuaisudefazhan,haijiangtuidongjingjidezhuanxingyushengji。