| 摘要: |
| 近年来，为助力通用航空业务发展诞生了一批专业的通用航空飞机融资租赁企业，并累计为数千架次通用航空飞机提供了融资租赁服务。本文基于弥补行业健康良性发展理论，着重就通用航空飞机租赁业务中租赁物风险、承租人和出租人各自将承担的风险以及如何管理各方风险进行研究。研究表明通用航空融资租赁业务在租赁物飞机选择上应首选市场保有量大的机型，并始终确保飞机处于适航状态，承租人应首选有着丰富通航飞机运营经验的企业，租赁方案除平衡风险和收益外，明晰租赁物所有权至为重要。本文丰富了通用航空融资租赁业务相关文献，为行业实践工作提供了可行操作指南。 |
| 关键词: 通用航空飞机；融资租赁；租赁物价值；租赁方案 |
| DOI： |
| 分类号:F562.6 |
| 基金项目: |
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| Research on Risk Management of General Aviation Aircraft Financial Leasing——Taking General Aviation Financial Leasing Company A as An Example |
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HE Yu-hui1，ZHANG Jun-hui2，YANG Ding31,2,3
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1.(1.Chongqing General Aviation Financial Leasing Co.,Ltd.;2.
2.Chongqing Liangjiang Integrated Energy Service Co.,Ltd.;3.
3.Chongqing Municipal Commission of Culture and Tourism Development)
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| Abstract: |
| Biological asset financing broadens the financing channels of agriculture，forestry，animal husbandry and fishery，and meets the needs of agricultural and rural economic development.Sorting out the process of biological asset financing from conception to practice，the “credit+insurance” biological asset financing model is in line with the financing needs of the rural economy，connecting the three parties of commercial banks，insurance companies，farmers and agricultural business entities，improving the credit rating of borrowers，giving Biological asset insurance guarantees，reduces the risk of default，accurately solves the financing difficulties of farmers and agricultural business entities，and effectively revitalizes biological assets.Taking the first live pig mortgage financing in Chongqing as an example，this paper explores the mechanism of the innovative financing model of “credit+policy insurance+commercial insurance”，which has been successfully operating as biological assets，then provides reference ideas for the innovation and extension of biological asset mortgage financing models，and enlightens sustainable optimization of biological asset financing. |
| Key words: General Aviation Aircraft;Financial Leasing;Lease Item Value;Leasing Scheme |
