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中国的融资租赁市场从2007年一直以高速的趋势保持增长,与此同时,迅速崛起的互联网金融为融资租赁公司提供了新的资金渠道,发展成新的商业模式,如P2L、A2P等。本文首先对融资租赁业的发展进行了分析,然后对融资租赁与互联网平台融合模式——P2L和A2P模式进行了解析,最后对商业银行经营金融租赁公司给出了相关的政策建议,银行系金融租赁公司应加强创新,通过融合租赁与业务模式或金融工具,走特色化发展之路。
China’s financial leasing market has maintained a high growth trend since 2007, while the rapid rise of Internet finance has provided financial leasing companies with new funding channels and developed new business models such as P2L and A2P. This article first analyzes the development of the financial leasing industry, and then analyzes the pattern of the financial leasing and Internet platform integration - P2L and A2P. Finally, it gives some policy suggestions to the commercial banks to run the financial leasing company. Leasing companies should step up innovation and take the path of distinctive development through the integration of leasing and business models or financial instruments.