Research On The Risk Management Of Bank-established Financial Leasing Companies In China

Being approved by the State Council, the establishment of a finance leasing company by commercial banks officially started since 2007. The establishment and development of the banking system of finance leasing company, driven into the fast lane of development of China’s whole financial leasing industry. At present, China’s economic development has entered a new norm, which closely integrated with the real economy industry, financial leasing industry also appeared some new changes in the banking system of finance leasing company’s development, and embraced with huge development opportunities. While, there are still some problems in the banking system of finance leasing company from the present situation. Making better use of the opportunity on condition that they solve their own problems. It is known to all that the two core business module leasing company is leasing business and risk management, while in recent years,the banking system of finance leasing company emphasized too much on business, and ignored the management. They concentrated on the leasing business, put risk management on the second place as the leasing subsidiary Business, result in many loopholes in risk management. In the economic development of the new normal background, to actively adapt to the norm, one of the important problems to be solved at present for the banking system of finance leasing company is how to speed up the establishment and perfection of their risk management.In order to solve this problem, based on flow chart analysis method was used to identify the general risk and special risk facing the banking system of finance leasing company, and with the help of CAMELS evaluation method for the establishment of finance leasing company risk management status of 11 banks, more than a year for the industry level analysis and case analysis on the status of risk management. The bank silver finance leasing company recruit finance leasing company risk management level three according to the analysis,while the CMB finance leasing company risk management level is two higher than the industry level of the conclusion that the banking system of financeleasing company still exists the risks associated with the transaction, the lack of liquidity, the market is not enough sensitivity to weak points. According to the analysis results, reference strokes combined with knowledge of the overall risk management of the finance leasing company silver risk coping and management measures, the actual situation in our country, from the country(the end Improve laws and regulations, the establishment of industry associations, etc.) and company level(internal environment, set goals, internal control and supervision,information exchange, incentives and assessment) is proposed to improve the risk management measures, hope can raise the risk of financial leasing in China’s banking system management capabilities, to better promote the financial leasing industry development and service of the real economy.