Research On Risk Management Of A Financial Leasing Company

With the opening up of capital markets, many related financial services entered the stage of vigorous development, financing and leasing business is one of them. Financial leasing has become the capital of a new model with financing, marketing and financing etc foundations since its emergence. Our nation started progressive development of financial leasing business since the beginning of the 1980 s.Involved in the whole process of the capital market from the national planned economy to a market economy transition. To a certain degree, financial leasing industry made our multi-layer capital market boom, but there is still a relatively large risk.This paper summarizes A financial leasing company's current business model(direct leasing, sale-leaseback and lease commission), profit model(debt, rent and residual value, etc.)the risk faced by(credit risk, operational risk, liquidity risk, liquidity risk, operational risk, market risk)and on the basis of the existence of risk management issues. Select and analyze the financial leasing company's risk evaluation by drawing CAMELS evaluation system(four-level indicators and twelve secondary indicators),giving weight to each index through the use of analytic hierarchy process to construct a financial leasing company's risk assessment model.Putting nearly three years of financial data of A financial leasing company into the evaluation model, finding that the risk trend of A financial leasing company is overall downward, but there is an upward trend in 2015.On the criterion level, Credit risk value is from 3.75 to 4.88,capital risk value is from 1.23 to 1.34,liquidity risk is from 6.33 to 8.05,operational risks decreased from 29.58 in 2014 to 27.33. On the index level, the risk level of most indicators has declined, we need to mainly strengthen prevention of loan ratio, the proportion of capital assets, liquidity assets ratio, proportion of borrowed funds, asset dispersion ratio, leased assets ratio.According to A financial leasing company's risk assessment results and existing risk management issues(More overdue items and overdue rate, leaseback projects is too much, the presence of hidden problems of risk management mechanism,repayment terms do not match between rent and borrowing, guarantee system is not perfect).It should put forward by strengthening the control of the business operations, project review should focus on industry risk and geographical risk, It should strengthen internal management and other measures to achieve control of risk, To achieve the transfer of risk by the means of paul at the end, transfer, securitization of finance lease assets, achieving risk anticipation for A financial leasing company overall management of risk through the establishment of risk early warning mechanism.