Research On The Operational Risk Control Of Financial Leasing Companies In China

Finance leasing,with the deepening of the current economic situation,and gradually to the attention of modern finance,has become the bank credit in addition to another highly anticipated financing channels.Due to the financing lease function of financial intermediation, financing leasing industry overall business situation is good or bad or not will of China’s national economy stable and produced direct influence. However,in the development of China’s financial leasing industry at the same time,the economic development of the new normal accompanied by falling speed,the risk of the entire financial industry began to highlight. How to develop at the same time to grasp their own operating conditions,to cope with the economic downturn,to guard against operational risks,has become the financial leasing companies are bound to complete the homework. This requires our operating risk on the financing lease enterprise in-depth research,choose a development to accord with the situation of our country effective early warning method,to do everything possible to reduce business risk and financial leasing companies and the whole industry get better.After defining the connotation of the management risk of the financial leasing enterprises in China, this paper analyzes the present situation and the causes of it. On this basis, Z-score Model is introduced into the finance leasing companies operating risk research, in the Z-score Model conducted in accordance with the modification of the industry, the establishment of the corresponding operating risk early warning model, to a certain extent management risk early warning function, and ultimately the formation of an effective solution. In the end, the essay draws the conclusion, has emerged risk management of financial leasing companies put forward strict lease, lease term control, carry out the diversification strategy, and that strategy implementation process should pay attention to take into account the feasibility of the strategy and the economy, universality and particularity. Hope that through this study can contribute to the development of China’s financial leasing enterprises.