专业学位硕士学位论文
Z 融资租赁公司竞争战略研究
Study on The Competitive Strategy of Z Financial Leasing
Company
作 者 姓 名： 王福宇
学科、 专业： 工商管理
学 号： 41911391
指 导 教 师： 陈艳莹
完 成 日 期： 2022 年 5 月 24 日
大连理工大学
Dalian University of Technology
大连理工大学学位论文独创性声明
作者郑重声明：所呈交的学位论文， 是本人在导师的指导下进行研究
工作所取得的成果。尽我所知，除文 中已经注明引用内容和致谢的地方外，
本论文不包含其他个人或集体已经发表的研究成果，也不包含其他已申请
学位或其他用途使用过的成果。与我一同工作的同志对本研究所做的贡献
均已在论文中做了明确的说明并表示了谢意。
若有不实之处，本人愿意承担相关法律责任。
学位论文题目：Z 融资租赁公司竞争战略研究
作 者 签 名 ： 日期： 2022 年 5 月 24 日
大连理工大学专业学位硕士学位论文
摘 要
目前物流产业已然发展为我国经济体中的重要组成部分，商用车融资租赁行业作为
产业中重要的一环，实现信贷资本向实体经济的转移，能够很大程度上弥补经销商和承
租人融资问题的短板。通过欧美国家与我国商用车融资租赁市场现状的比较，不难发现
我国的商用车融资租赁市场具有广大的发展前景。
然而，我国商用车融资租赁行业的发展还处在起步阶段，租赁物的特殊性以及市场
集中度较高的现实，给作为中小型企业的 Z 融资租赁公司带来了巨大的考验。所以，如
何针对于自身的实际发展情况制定出科学的竞争战略，并且依据竞争战略制定出匹配的
方案和策略，对组织企业经营活动，保障 Z 企业的健康发展是一个急需探讨的课题。
本文基于对Z 融资租赁公司竞争战略的选择与制定，希望为企业今后的经营提供借
鉴方案。本文根据企业战略管理理论，采用波特五力分析对行业竞争环境进行分析，利
用 PEST 分析法分析企业所处的政治、经济、社会和技术等外部宏观环境。同时通过对
Z 融资租赁公司的人力资源、财务资源、品牌资源、营销能力、市场服务能力和创新能
力等方面进行内部环境分析，建立 EFE 和 IFE 矩阵，总结出Z 融资租赁公司在内部环
境上优势略高于劣势，外部环境上机会略高于威胁的结论。然后采用 SWOT 分析，通
过竞争战略的比较分析，选择 Z 融资租赁公司的差异化竞争战略，并为战略的实施制定
了产品开发策略、市场开拓策略、人力资源策略、融资策略和风险管理策略等建议。在
此基础上，继而制定了 Z 融资租赁公司差异化竞争战略的保障措施。本文可为我国商用
车租赁企业提供借鉴方案，推动我国商用车融资租赁行业的不断健康发展。
关键词：融资租赁；汽车金融；战略管理；差异化战略；Z 公司
- I -Z 融资租赁公司竞争战略研究
Study on The Competitive Strategy of Z Financial Leasing Company
Abstract
At present, the logistics industry has developed into an important part of China;s economy.
As an important part of the industry, the commercial vehicle finance and leasing industry
realizes the transfer of credit capital to the real economy and can largely make up for the
shortcomings of dealers and lessees in financing. Through a comparison of the current situation
of the commercial vehicle finance leasing market in Europe and the United States with that in
China, it is easy to find that the commercial vehicle finance leasing market in China has vast
development prospects. However, the development of China;s commercial vehicle financial
leasing industry is still in its infancy, and the special characteristics of leased goods and the low
concentration of the market have brought a great test to Z financial leasing companies as small
and medium-sized enterprises. Therefore, how to formulate a scientific competitive strategy
according to its own actual development situation, and formulate matching plans and strategies
according to the competitive strategy to organize the business activities and ensure the healthy
development of the enterprise is an urgent topic to be discussed.
This paper is based on the selection and formulation of the competitive strategy of Z
Financial Leasing Company, hoping to provide a reference solution for the future operation of
the enterprise. Based on the theory of strategic management of enterprises, this paper uses
Porter;s five forces analysis to analyse the competitive environment of the industry and uses
PEST analysis to analyse the external macro environment in which the enterprise is located,
such as political, economic, social and technological. At the same time, by analyzing the
internal environment of Z Finance & Leasing Company in terms of human resources, financial
resources, brand resources, marketing capability, market service capability and innovation
capability, and establishing EFE and IFE matrices, the paper concludes that Z Finance &
Leasing Company has slightly more advantages than disadvantages in terms of internal
environment and slightly more opportunities than threats in terms of external environment. The
SWOT analysis was then used to select a differentiated competitive strategy for Z Financial
Leasing Company through a comparative analysis of competitive strategies, and
recommendations were formulated for the implementation of the strategy, such as product
development strategy, market development strategy, human resources strategy, financing
strategy and risk management strategy. On the basis of this, safeguards for the differentiated
competitive strategy of Z Financial Leasing Company are then formulated. This paper can
- II -
大连理工大学专业学位硕士学位论文
provide reference solutions for China;s commercial vehicle leasing enterprises and promote the
continuous and healthy development of China;s commercial vehicle finance leasing industry.
Key Words：Finance Lease; Auto Finance; Strategic Management; Differentiation
Strategy; Z Company
- III -