Research On Risk Management Of Financial Leasing Company

Financing leasing is a new type of leasing business which has financial attribute and loan attribute in modern times.It is the product of economic development to a certain stage,and also the product of mutual infiltration and combination of bank capital and industrial and commercial capital.In the early times,in the western developed countries,financial leasing as a new financing means,was increasingly valued by enterprises.The development of financing leasing business in China has experienced downturn and recovery stage,from the new development trend after 2008.Financing lease business can not only stimulate investment demand,but also play an obvious role in solving the financial problem.The main content of financing lease has the dual function of financing and leasing-assets,it has obvious advantages compared with the traditional financing way,has become an important financing tool in China's capital market.The core of financial leasing business is risk control is the more concern of the financing leasing company in China.This paper uses information asymmetry theory and vertical integration theory to study the risk management of BC Financing Leasing Co.,Ltd.,aiming at raising the risk management level of BC Financing Leasing Co.,Ltd.BC Financing Leasing Co.,Ltd.was founded in 2012,the existing business scope is relatively broad,mainly including direct leasing,leasing and joint leasing,and other forms of financing leasing business,but also implemented a certain risk management measures.Although BC Financing Leasing Co.,Ltd.to establish risk control of certain project management system by decentralized monitoring,investment to broaden the financing channels,innovative products and services and other means of financing lease,more and more overdue projects a higher rate of problems still to BC Financing Leasing Co.,Ltd.bring the credit risk,market risk,operational risk,legal risk,liquidity risk,etc.because of the problems of industry policy and market changes affecting the business growth.Therefore,it should strengthen macro policy risk management of financial leasing company from the outside,to establish good financial leasing insurance policies,to improve the financing leasing company credit control system and to improve the financial leasing companies to establish relevant laws and regulations,the financial leasing industry supervision mechanism.For the BC Financing Leasing Co.,Ltd.it should enrich the risk management organization of BC Financing Leasing Co.,Ltd and personnel,establish BC company culture of risk management and risk control system,risk prevention and control center for standard BC Financing Leasing Co.,Ltd.business,strengthen the credit risk management of BC Financing Leasing Co.,Ltd..The research contents of this paper are divided into seven parts.The first part is the introduction,mainly introduces the research background and significance,research content and research methods of this research topic.The second part is the theoretical overview of financial lease risk management,is the theoretical basis of this paper,and analyzes and summarizes the research status of risk management of financing lease at home and abroad.The third part,through the loss event storehouse,carries on the risk discovery of BC Financing Leasing Co.,Ltd.,and summarizes the various risks faced by BC Financing Leasing Co.,Ltd.In the fourth part,the risk of BC Financing Leasing Co.,Ltd.is identified.The fifth part,analyzes the causes of the problems.The sixth chapter proposes the corresponding improvement strategy.Finally,the conclusion and prospect part,the paper summarizes this study and points out the future.The main contribution of this paper is to improve the risk control theory of financial leasing,and to provide a feasible risk control system for financial leasing companies.