我国农机融资租赁发展现状与运行模式研究

融资租赁近年来快速发展,有效破解农业经营主体因资金不足导致的购机难题,已然成为购置大型农业机械的重要渠道,在推动农机结构性调整的过程中发挥着重要作用。从我国农机融资租赁发展的政策背景着手分析发展现状,并深入分析直接融资租赁、转租赁、售后回租和杠杆租赁四种典型农机融资租赁模式的优缺点。研究认为目前我国仍存在企业经营成本较高、农户尚未普遍接受、信用体系缺失导致金融风险较大以及融资渠道少限制业务发展等问题,建议通过采取加大扶持力度、扩大宣传、构建完善的信用体系、金融创新拓展融资渠道等相关有针对性的措施促进农机融资租赁健康发展。

Research on the status and operating mode of agricultural machinery financial leasing in China

The rapid development of financial leasing in recent years has effectively solved the problem of insufficient funds when purchasing agricultural machinery. It has become an important channel for purchasing large scale agricultural machinery and plays an important role in the process of promoting the structural adjustment of agricultural machinery. This paper analyzed the development status of agricultural machinery financial leasing from the policy background and the advantages and disadvantages of four typical agricultural machinery financial leasing modes, direct financial leasing, subleasing, sale leaseback, and leverage leasing. Problems such as high operating costs, lack of interest by most farmers, and the lack of credit systems were found, which lead to large financial risks and fewer financing channels that restrict business development. As a result, it was recommended to adopt measures such as increasing support, expanding publicity, building a sound credit system, and financial innovation to expand financing channels to promote the healthy development of agricultural machinery financial leasing.