英语翻译融资租赁实质上是转移了与资产所有权有关的全部风险和报酬的租赁.它是通过短时间、低成本特定程序把资金和设备紧密结合起来的一种资金融通方式,融资租赁有利于企业技术水平的提升.促进企业的发展,降低成本扩大了企业的销售,有利于引进外资.拓宽了企业的资金来源,在一定程度上满足了企业的资金需求.因此融资租赁在经济中发展中的作用越来越重要.本文通过研究融资租赁的概念、融资租赁与经营租赁的区别和现状,分析融资租赁存在的问题,包括没有形成与融资租赁相适应的环境、缺乏法律的保障、缺乏统一的行业管理和一定的信用等问题.从而提出一些针对性的建议,分别从培育符合我国融资租赁业务发展的环境、改善和加强保障体系、解决行业管理问题和树立信心观念四个方面提出对策.

In fact,financing leasing is the leasing that transfers away all the risks and returns relating to capital ownership.Financing leasing is a financing method that tightly connect funds and equipment together by short time and low-cost process,and it is advantageous for drawing in external funds.Financing leasing extends the company's source of funds and satisfies the company's need of funds to some degree.Thus,financing leasing is getting more and more important in the economic development.By means of researching the difference and current situation among the concept of financing lease,financing leasing and operating leasing,this article analyzes the existing problems in financing leasing,including the environment that is not accommodating with the financial leasing,the lack of legal assurance,lack of consistent business management and certain credit problems.Thereby,this article offers some aiming suggestions,which are aiming at solutions for four aspects:the environment that is suitable for our country's financing leasing development,the improvement and enforcement of assurance system,the solution of business management and establishment of confidence.
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