融资租赁又名和赁信贷,是以物品的借贷达到信贷目的的商业行为。它始于本世纪50年代的美国。二次世界大战结束后,美国企业界急需实现由军需品生产向民用品生产的转变,同时面临科学技术飞速发展与设备陈旧落后之间的矛眉。这些都要求增加投资,但当时美国企业界获得贷款的来源却很有限,传统的融资方式已不能满足需要,因而融资租赁应运而生。 Financial leasing, also known as lending and lending, is a commercial activity that achieves the purpose of credit for the lending of goods. It began in the United States in the 1950s. After the end of World War II, the American business community was in urgent need of realizing the change from production of munitions to production of civilian products. At the same time, it faced the conflict between the rapid development of science and technology and outdated equipment. All of these demands increased investment. However, at the time, the source of loans for American business circles was very limited, and traditional financing methods could no longer meet their needs. Therefore, financial leasing came into being.