2014年融资租赁行业的政策环境、法律法规环境和信用环境有所改善。租赁行业整体发展喜忧参半，行业发展潜力较大，承租人分布更加广泛，业务模式呈现多元化，融资渠道日益丰富，资本运作活跃，业务创新多点开花；但风险与收益走势背离，部分公司的经营亟待规范，资产管理、风险控制、融资能力有待提升。展望2015年，预计融资租赁行业将继续快速增长，租赁公司专业化经营步伐加快，产品创新力度加大，并购和上市案例增多，互联网金融、通用航空等新领域的市场机会开始显现，但同时一系列挑战并存，同业竞争加剧，人才争夺更趋激烈，经营风险加大，业内两极分化现象更加凸显。
The environment of financial leasing，such as relative policies，legislation and credit，was improved in 2014. The outlook of financial leasing sector is mixed. It is one of the most promising sectors，with more varied clients，more diversified profit model，broader channel of raising money，more M&A activities，and constant innovation. However，there were mismatch between return and risk. Some of the leasing companies failed in regulatory compliance，and suffered from weakness in asset management，risk management and financing. The authors expected the financial leasing sector to continue rapid development in 2015. Leasing companies would become more and more professional and innovative，embracing opportunities in areas including internet finance，general aviation and vehicles. There will be more cases of M&A and IPO. In the mean while，the sector is facing a series of challenges，such as fierce competition，talent war，increasing risk，and the Matthew Effect.
