融资租赁,是一项以融物为载体、融资为主要目的新兴融资手段。融资租赁这种模式在发达国家中已经取得了较高的市场渗透率,并于一九八零年之后开始逐步进入我国。然而,直至近年来随着国内政策环境的持续变化,融资租赁行业的业务规模才显著增加,在促进实体经济发展、优化产业结构等方面,起到了日益关键的作用。

   中国实体经济以制造业为核心。改革开放之初,融资租赁模式的设立初衷就是为了解决核心资产是生产设备的制造业企业的资金缺口,制造业企业通过以融物的形式去获得了融资,从而将融物与融资结合在一起。因此,回顾过去，展望未来,融资租赁和实体经济都有着一种天然而又紧密的联系。融资租赁必须找到和先进技术制造业发展融合的切入点,持续不断的优化和创新商业模式，才能发挥优势,规避不足,充分突出融资租赁在支持我国先进设备制造业发展中的独特作用。

   本文主要分为六个章节，第一部分是绪论，主要对本文的研究方向和背景进行基本的介绍，并提出本文研究的问题，以及总结本文的创新和不足之处；第二部分，主要介绍融资租赁和产融结合的核心概念和理论基础，并总结归纳了国内外关于融资租赁、产融结合和商业模式的参考文献；第三部分，主要介绍S融资租赁公司所处的融资租赁行业的发展现状和行业特征，以及现存的主要三种商业模式的经营情况；第四部分，通过从商业模式画布的九个维度出发，去分析S融资租赁公司目前的经营现状，然后阐述存在的问题和产生原因；第五部分，提出对S融资租赁公司商业模式的优化建议和解决方案；第六部分，结论与展望。

   本文旨在通过运用文献研究法和案例分析法,研究我国融资租赁行业的现状、历史和特点,横向对比三种融资租赁运营模式,另外,通过商业模式画布并结合S融资租赁公司实际案例,以期研究产融结合背景下厂商系融资租赁商业模式的竞争优势和现存问题,对S融资租赁公司如何进行商业模式的优化和创新,如何优化现有流程和提升经营效率提出合理的建议,对厂商系融资租赁公司如何面对市场变化和监管政策提出切实可行的方案。

   Financial leasing is an innovative financing method in the form of financing and financing. The financing model of financial leasing has reached a high market penetration rate in developed countries. In the 1980s, the financing leasing business mode and relevant knowledge have been started to introduce into China. However, until the continuous optimization of the policy environment in recent years, financing leasing just start to play an increasingly important role in promoting the development of the real economy and optimizing the upgrading of industrial structure.

   The core of China's real economy is manufacturing. At the beginning of reform and opening up, one of the original intentions of introducing financial leasing was to promote the introduction of high-end equipment. It can be seen from the development history of financial leasing that it aims to solve the funding gap of manufacturing-based production and operation equipment and facilities. Solving financing in the form of financing is a unique combination of financing and financing. Therefore, there is a natural connection between financial leasing and the real economy. Financial leasing need to adapt to the integration with advanced manufacturing, in order to maximize its strengths and avoid weaknesses, and fully demonstrate the unique functions of financial leasing in the integration and support of advanced manufacturing.

   At present, the financial leasing industry still has many aspects to improve and advance, especially it meets with the pressure of the downturn trend of the worldwide economic. For financial leasing companies to achieve sustainable development, continuous innovation of business models is the key. This article intends to analyze the current situation of my country’s financial leasing industry, horizontally compare the three financial leasing operating modes, and combine the actual case analysis of S financial leasing company through the business model canvas, with a view to studying the competitive advantages and existing financial leasing companies under the background of the integration of industry and finance. How to bring force the new ideas of the business model of the S financial leasing company, how to optimize the existing process and improve the operating efficiency, and put forward useful suggestions on how the manufacturer-based financial leasing company faces market changes and regulatory policies.