Application Of Finance Lease Fuzzy Comprehensive Evaluation Of Enterprise Risk

Finance leases was born in the United States in1952as a financial tool, that is a by short, low-cost and equipment specific procedures to closely combine the methods of financing. Finance lease has played a huge role on world economic development, in the developed countries and in many developing countries, the annual turnover of the general equipment leasing accounted for about15%of total equipment investment, in the United States this proportion is as high as30%.In many countries finance lease has become an important investment in equipment financing. However, in our country, after twenty years development financing and leasing industry is still at a low level of development, China’s annual financial leasing penetration rate is only about3%. The same kind of business, it can gets rapid development in foreign countries, firmly occupy an important position in the second largest financing methods, while in our country, but only a small proportion of this is because of the different country-specific environment caused.When finance leasing companies in makes decisions, if the exposure is too small, it will lead to wasteful use of capital resource; if the assumed risk is too high, companies will gain greater losses by the risk. So it’s so important for companies to find a suitable risk point. To find a suitable risk point, first of all need systematically, globally, dynamically identify the risks, secondly we must be able to comprehensively and scientifically measure and evaluate these risks.In financial leasing business risk evaluation and measurement part, this paper uses fuzzy comprehensive evaluation on China’s financial leasing companies evaluate risks. The third and fourth chapter of this paper make a detailed discussion on fuzzy comprehensive evaluation, this is the core of this thesis. Using this method, firstly need to establish a fuzzy comprehensive evaluation model, to make this model need to establish risk factors for finance leases pooled. Based on the second chapter, the third chapter focuses on the establishment of financial leasing enterprise risk evaluation index system. In our country CAMELS evaluation is relatively mature financial risk assessment methods, in this article we use CAMELS analysis to find and build the index system of risk affecting financial leasing companies, And combined with our country’s actual situation was amended to CAMELS evaluation, on the basis of the original CAMELS we joined the business environment indicators, including the formation of the business environment, capital adequacy, asset quality, management, profitability, liquidity and market sensitive assets of seven indicators. Then for each factor level indicators further subdivided to form a secondary index system includes20indicators. The fourth chapter of this paper mainly studied of the establishment and application of fuzzy comprehensive evaluation model.