Research On The Risk Of Financing Lease Of RX Leasing Company

With the development of the economy,the financing lease industry also plays more important roles in the national economy.It provides convenient financing channels for small and medium-sized enterprises and solves the financing problems.However,as a new financial industry,the financing lease company faces more and more risks which have been gradually exposed.The risk has already begun to affect the financing lease company's normal operation.This article analyzes and controls risks of RX leasing company mainly from the current situation of the development of financial leasing company in China and the management environment,combining the actual operating situation.Firstly,this article combines the research of financing lease by the domestic and foreign experts and scholars,summarizes the situation of the development,the existing internal and external risk of the financing lease industry in our country,and analyzes the main sources of risks of the lease company through the financing lease business process,legal relationship,business environment and so on.Secondly,it sets the RX leasing companies as an example,through investigating of RX lease company to know the development current business processes,products and services of the company.It takes lessons from foreign CAMELS risk rating system to collect financial datas of the RX leasing company in 2015 and 2016,and makes individual assessment of company's capital adequacy,asset quality,management capability,earnings quantity,asset liquidity,and sensitivity to market risk by using the evaluation system.Moreover,combining with the results of each single item rating for comprehensive risk rating,it is glad to find that the company's management is solid,and its profitability is satisfactory.However,there is problems,such as the asset quality is not high,and the quantity of bad assets becomes bigger.Through the survey of business process,this paper collects many loopholes in the RX leasing company before,between and after the rents,whish may cause credit risk easily thus lead to liquidity risk.Meanwhile,it lacks effective ways of risk prevention and metastasis.Finally,through strengthening the investigation of the early lease due diligence and the comprehensive review system,it improves the lease contract content,enhances the asset management after the rent,so as to prevents the credit risks.Moreover,by adopting measures to spread and transfer risks to avoid risk effectivly,guard against market risks,and enhancs market liquidity.