Y Financial Risk Control Study For Finance Leasing Companies

Financial leasing industry has the characteristics of having a large amount of one-time capital investment,a long period of capital recovery,and a multiple parties leasing project,the financial risks faced by the financing leasing company are also relatively large,and the company operators only find financial risks in a timely manner.And financial risk to take effective control measures to ensure the operation of the company.In recent years,the number of financing and leasing companies in China has increased significantly,but because many companies have failed to take effective measures to control their financial risks,the number of companies that have eventually experienced financial crisis or even bankruptcy is also large.It is necessary to conduct in-depth analysis and research on the financial risk control of the financing leasing company.This article studies the financial risk control of the financing leasing company.The first two chapters are theoretical studies.Firstly,the background and significance of the research are clarified,and the current research situation at home and abroad is summarized and summarized.This paper discusses the theoretical basis of financial risk control of the financing leasing company.This article begins with the case analysis in chapter three,first introduces the basic situation of the Y financing leasing company,then analyzes its financial risk sources,and then uses the cash flow statement discrimination method,the financial indicators analysis method and the Z-score analysis method,to identify and evaluate the Y financing leasing company's financial risk.It is found that Y financing leasing company has a large risk of fundraising.The company is in an expansion period,relying on a large amount of funding to operate and expand its production scale.The company's profitability and development level are relatively good,but the company's solvency is weak and the overall financial risk level is high.Secondly,this article introduces the current situation of financial risk control of Y financing leasing company,and expounds the financial risk control of the company into five aspects: fundraising activities,investment activities,business activities,fund recovery and income distribution activities according to the capital cycle process.The fourth chapter of this article is the problem of the financial risk control of the Y financing leasing company.The fifth chapter is to solve the problems,which are divided into five aspects.The financing aspect is to fully carry out the financing budget analysis,rationalize the long-term and short-term debt ratio,improve the ex-post management of financing,and adopt various measures to deal with interest rate risks.The investment aspect is to strictly audit the pre-investment content of investment projects and to avoid project investment risks by means of insurance and joint venture.The operating aspect is to adopt a double signature system to deal with the operational risks of leasing projects and to use GPS technology to supervise the assets of leased items.In the area of fund recovery,we will strengthen the credit examination of the lessee and establish a system for the collection of the lessee's funds by way of asset assessment.In terms of income distribution,it is necessary to establish the income distribution mechanism and increase the decision-making participation of small and medium-sized shareholders.