Financial Leasing Company’s Risk Assessment And Management

The current domestic financial leasing industry is in rapid development period, as awhole is not mature, so financial leasing companies in the process of business risk alsowill be more complicated. Risk assessment and management of financing leaseenterprise study has strong practical significance.In this study to the selected topic background, research purposes, and elaboratesthe related research at home and abroad, on the basis of detailed introduces the basictheory of financing lease and its risk concept, the function of the financing lease,financing lease company profit model and risk of financing lease company category.And in the process of financing lease company risk assessment, evaluation method ofCAMELS carried on the brief, CAMELS evaluation system are introduced in theapplication of risk assessment, financial leasing company and select the related data of2012M financing lease company, respectively from the level of capital adequacy, assetquality, management level, profit level, liquidity, sensitivity to market risk degree andthe comprehensive risk of M financing leasing company for seven aspects such as riskassessment case analysis, Draw a higher level of capital adequacy of M FinancialLeasing Co., good asset quality, strong management capabilities, Profitability is alsomore prominent, sensitivity to market risk is more appropriate, However, the lowliquidity of its assets. Through case analysis, combined with China’s concrete truth,summed up the financing lease enterprise risk management in our country is still facingmany problems, mainly including： weak risk awareness, the limitation of policyenvironment and risk management means backward. To solve these problems, it putsforward the risk management through perfecting financing lease company externalsupport and internal risk management strategies to strengthen the financing leasecompany risk management in our country.Specific instance based on the company as the research object, through useCAMELS evaluation system to measure risk index of the financing lease of M. Basedon the proposed risk assessment and management strategy of financing lease company,with strong practical guiding significance. And the use of case analysis, Collection andin-depth understanding of the internal information related to M Finance LeasingCompany Limited, use CAMELS evaluation system to measure the risk of the corresponding index, make this study more objective and scientific, make up for thedeficiencies of previous studies.