1、s modern economy is developing rapidly .However, most of the lease financing companies in actively explore the market at the same time .The risk of financing lease knowledge and understanding but will stay on the surface .Risk control work also at groping stage .Construction perfect, system risk con
2、trol system necessary and urgent .The author financing lease in a systematic, on the basis of risk .According to its own work experience, The system is presented countermeasures .To help enterprises to renew the idea .Do risk control work .Keywords: financing lease risk risk controlSome financing ca
3、uses and solutionsLynn M.FisherSince the reform and opening up, the Chinese small and medium-sized enterprises are the rapid development of Chinas national economy, improve the contribution, small and medium-sized enterprises in promoting economic growth and create jobs, increase farmers income, the
4、 transfer of rural surplus labor force is playing more and more important, etc. However, in recent years, the development of small and medium-sized enterprises facing great difficulties. Especially the influence to the further development of small and medium-sized enterprises in China is the most im
5、portant factor to same financing channel is narrow, financing, financing number structure unreasonable, financing cost is high. If less than 30% of the industrial sector contribution of state-owned enterprise occupied 70% of bank loan, but creates 70 percent of the GDP of the non-state-owned enterpr
6、ises only 30% of the bank loans. If this phenomenon is not sufficient to improve, small and medium-sized enterprises will be difficult, sustained and rapid development of the whole national economy will directly influence the development.1. Some financing reason analysisFrom the above we can see the
7、 present financing, financing China has restricted the development of small and medium-sized enterprises. The reason is that both small and medium-sized enterprise itself, also have bank management system, there are more reasons of national policy.1.1 Enterprise itself. （1）The small scale of capital
8、, small and medium-sized enterprises information idea indifference. Small and medium-sized enterprises operating in small scale, production technology, product structure behind a single level and low technology, to resist the risk ability is poor, fluctuating prices of raw materials or products, man
9、agement risk is bigger. Add small and medium-sized enterprise credit is not high, credit, bank lending non-americans options. Many small and medium-sized enterprise information disclosure awareness, financial management level is low, the lack of objective information and transparent. In addition, in
10、dividual small and medium-sized enterprise still malicious smoke escape capital, default, shell, suspended creditor bank, causing serious harm to the loss of credit funds of the small and medium-sized enterprises, the overall level of credit.（2）Some financial system is not perfect, the internal cont
11、rol system is not perfect, the accounting information distortion, Banks and enterprises information asymmetry, for some financing difficulty increases. Assess, some financial system is not perfect 50%, many small and medium-sized enterprise quality management, low lack of financial management knowle
12、dge, major financial decision-making by their heads to decide, management is very chaotic. At the same time, in order to cope with the inspection and supervision department also prepare two sets, and even more so, enterprise, to provide accurate accounting information, the bank also cannot find the
13、reality of the enterprise to increase the risk of bank loan business.1.2 bank reasons（1） The policy system of bank loan and unbalanced directly affect the direct financing channels. Our financial institutions with four commercial bank, the banking industry and the high altitude monopoly, consistent
14、four bank lending to state-owned enterprises only wish. This is mainly in the ownership of state-owned Banks and enterprises, the differences between the bank and the enterprise system barriers. In addition, the provisions of the state bank is overdue, bad debts of non-performing loans, so the bank
15、implements process for four years of small and medium-sized enterprises of a more cautious lenders nature and carefully. The securities listed in the strict request, mainboard market listed company is mainly for large state-owned enterprises, domestic enterprises, especially the non-state technology
16、 enterprises , the second-board market, fund and other forms of financing is still in the early stage of building, medium and small-sized enterprises direct financing channels to achieve.（2）Information asymmetry affect the relationship between Banks and enterprises. As the provider of bank capital a
17、nd cant attend the daily operation and management of funds, and the user （some） of information asymmetry between will bring the contradictions and problems. Usually, the small and medium-sized enterprises in the management of state owned more than bank information, therefore, has advantages of small
18、 and medium-sized enterprises in the process of contract in the event of using the capital or damage the interests of process, bank of bank risk of excessive. Due to the small and medium-sized enterprises and large enterprises in operation ability, mortgage guarantee transparency and the difference,
19、 and the size of the loan to the management cost differences, lack of small and medium-sized enterprises for domestic Banks provide more financing services.（3） Lack of small and medium-sized enterprises and the matching of the small and medium sized financial institutions. At present, the bank is st
20、ill lack of organizational system for some financing service policy Banks, while Chinas existing in the small and medium-sized commercial Banks such as urban rural credit cooperatives, share-holding commercial Banks, urban commercial Banks, but because they are not RongZiQuan policy and its problems
21、 havent solved, cannot satisfy some loans. Some small and medium sized financial institutions from the start, not from the state-owned enterprise system, management level is not high, the development ability is insufficient, thus reduced the financial support to small and medium-sized enterprises. T
22、he financial system reform is relatively backward, from the planned economy continued financial structure unreasonable problems still not completely effectively solve the small and medium-sized Banks, and private Banks.（4）Of small and medium-sized enterprises through issuing stocks and bonds are not
23、 unblocked financing channels. Our company law shall apply for stock market conditions of the registered capital of a joint stock limited company shall not be less than RMB 5 million yuan, the shareholders of a listed company amount not less than RMB 3000 yuan, public issuance of shares reached more
24、 than 25% of the total shares of the company, the company exceeds RMB total share capital of the four billion yuan, the proportion of shares for 10% above, etc, these hard conditions of small and medium-sized enterprises will be rejected, hindering some financing through capital market. The law also
25、 provides a limited liability company bonds shall be not less than 60 million yuan net worth it, a joint stock limited company shall not be less than 3,000 yuan net, and have strong enterprise guarantee, are not allowed to issue, this series of private enterprise of small and medium-sized enterprise
26、s also limit conditions by issuing bonds financing of space.1.3 Government departments Government support to small and medium-sized enterprises. Government retains a planned economy, long-term since, the national policy support to enterprises, although these years national policy change, but did not
27、 happen substantial changes. Especially the country executes large state-owned enterprises at present to the preferential policies for small and medium-sized enterprises, and still cant enjoy the preferential policy.In China, although the difference of small and medium-sized enterprises to reduce ra
28、tes, two or three year from shall be exempted from income tax preferential tax policy, etc, but due to the small and medium-sized enterprises are small-scale taxpayers, in the process of operation, shall enjoy the preferential policy. Finally often actual2 to solve our some financing waysDue to the
29、financing, enterprises, banking and government tripartite, therefore, to solve the difficulty in financing some, needs the joint efforts of the three.2.1 Regulate internal management of small and medium-sized enterprises, improve the comprehensive quality of enterprises（1） To clarify the rights, est
30、ablish enterprise joint-stock system. Actively promote enterprise property rights system reform, the only enterprise of property rights, the operator to clarify their behavior and the future development of the enterprise, the enterprise is responsible for the credit can be established. According to
31、the requirements of the modern enterprise system and its own characteristics, the small and medium-sized enterprises energetically promoting some, joint-stock system reform. Through the property rights transfer, lease, auction share-holding system, etc, speeding up the reform of the small and medium
32、-sized enterprises go enliven pace. In the process of reform, strengthen the voluntary contribution to encourage employees to enterprise staff GuanQieDu assets for the enterprise development, opening up new financing channels.（2）To standardize enterprise financial system and improve financial management level. According to the relevant provisions of the state, establishing and perfecting the enterprises financial and accounting systems, dont do the boo
