Small And Micro Logistics Company's Risk Control In Finance Leasing

With the rapid development of the network economy and technology,small and micro logistics companies have contributed to the development of the economy.But as the small and micro logistics companies have very less fixed asset and don't pay attention to establish their own credit,they always very difficult to through the traditional financing ways to obtain the support of external funds to develop themselves.As the new financing way,financial leasing was introduced into China in the 80s of last century.Through the form of financing property to achieve the purpose of financing fund,financial leasing provides an innovative method to indirectly financing for the enterprises.However,small and micro companies operation is very uncertain,how to analyze and control the risk of the small and micro companies has become the key of financing lease business.The paper is starting from the perspective of the financial leasing company,introduces the definition,characteristics and function of financial leasing,analyzes the current situation of risk control of small and micro logistics company in China.In reference to the commercial banks' credit risk control at home and abroad,this paper combines the characteristics of indirect financing of financial leasing company,construct the theory platform of the financial leasing company for small and micro logistics companies' risk control.It sums up the financial leasing companies' method of risk control for small and micro logistics companies in China.In the empirical part,it tries to find out the risk factors that affect the small and micro logistics companies in the financing leasing business.Through the conjoint analysis and the orthogonal design,the relevant questionnaire was designed to investigate.Using the virtual variable model to analyze the risk factors empirically and the relative materiality of each risk factor.Summarizes the efficiency of small and micro logistics companies to finance leasing companies is not high and the enthusiasm of financial leasing companies to provide the services to small and micro logistics companies is not high too.Base on the above analysis and research,this paper combines the characteristics of the small and micro logistics companies,put forward the risk prevention measures and suggestions of the small and micro logistics companies from the bedding of the finance leasing companies and the government.The innovation point of the paper is that the small and micro logistics companies is the principal part of risk analysis of the financial leasing business,analysis the risk factors that effecting the small and micro logistics companies from the theoretical level and empirical research level,provides a relatively objective reference for the financial leasing business of small and micro logistics companies.