Research On Risk Management Of Financial Leasing Company

Our country is in the key period of the macroeconomic downturn,the upgrading of the industrial structure,accelerating the development of financial leasing industry will help ease China's upgrading of enterprises financing difficulties in the transition.With the rapid development of the financial leasing industry,the risk situation faced by the financial leasing companies is becoming more and more serious.From a macro perspective,the construction of the legal system of financing leasing industry is still imperfect,and the legislative level is too low.It is not conducive to the fair competition of the financial leasing company.The lack of enterprise credit system increases the lessee's credit risk.From the micro level,due to the continuous downward macroeconomic,financial leasing companies are facing liquidity problems.Business homogenization serious,a single profit model.Practitioners have a weak sense of risk.The separation of ownership and use of the leased assets leads to a gradual increase in the risks of the leased property.Similarly,as a financial service industry,the risk management ability of financial leasing companies will be the key to decide whether the industry can develop steadily in the future.Through qualitative analysis and case study,this paper takes A finance leasing company in Anhui Province as an example,and takes the financing lease process as the main line to analyze the present situation of risk management of A financial leasing company.After years of accumulated experience in business operations,the risk management system of A financial leasing company has been initially completed,and has been able to prevent and defuse the risks of A financing leasing company to some extent,but A financing leasing companies still have some problems in the aspects of risk management,talent pool,risk management process and risk management system construction.In view of the problems existing in the risk management of the A financing leasing company,this paper puts forward some suggestions on the two aspects of the external development environment and the financial leasing company itself.For the market and supervision,it is necessary to improve the existing laws and regulations,and strengthen policy support;unified regulatory body,regulate industry supervision;establish a unified registration system of the leased property.For the financial leasing company itself,it is necessary to actively introduce professional talents;construction enterprise risk culture,raise staff risk consciousness;identify your own position and innovate your business model;improve the operational mechanism and optimize the risk management process;through the improvement of risk management system,the establishment of effective risk management tools.In this way,we hope to raise the level of risk management of A financing leasing company and provide reference for the development of other financial leasing companies in Anhui Province.