| China's modern financial leasing originated in 1980 s,but as for the immature market environment,it didn't get a smooth development until the beginning of the 21 st century.However,China's large economic scale determines that financial leasing has huge market demand and broad market prospects.The prevention and control of risks for financial leasing business is related to the lifeblood of its development,so it's very important for financial leasing's orderly and healthy development to do a good job in risk prevention and control.Since the emergence of financial leasing business in China,the research of financial leasing by domestic scholars is mainly based on normative research,case studies are rarely used,even fewer studies on financial leasing businesses involving a wide range of industries,which focus on the risk prevention and control of financial leasing.Jiangsu Financial Leasing Co,ltd is the first financial leasing company listed on A shares in China.This article takes Jiangsu Leasing Company as an example,and mainly analyses the risk control of financial leasing business in Jiangsu Leasing Company,aiming at providing inspirations and references for enterprises to carry out risk prevention and control of financial leasing business.This article researches on the case of Jiangsu Leasing Company's financial leasing business' s risk prevention and control,combining foreign and domestic relevant theories with practical cases,and draw conclusions and enlightenments finally.After reading a large number of foreign and domestic literature,using inductive methods,the main points of case study are sorted out,and the analysis framework of this article is constructed.The paper makes a comprehensive analysis of the whole case in six chapters.The first chapter is the introduction,introducing the reasons for choosing this case for analysis and the research background of the case.On the basis of sorting out the relevant literature on enterprise financial leasing business and its risk prevention and control,this paper clarifies the logic of writing and sets up the research framework of the case.The second chapter elaborates the functions and characteristics of financial leasing,the types and causes of financial leasing business risks,the identification and control of financial leasing business risks,and the theoretical basis for the study of this case,which paves a way for the following analysis of the financial leasing business risk prevention and control cases.The third chapter is an introduction to the case of financial leasing business of Jiangsu Leasing Company.Firstly,it introduces the basic situation,and business process of the company.Secondly,it analyses and introduces the main risk types faced by the company's financial leasing business.Finally,it explains the specific causes of the risks faced by the company's financial leasing business.The fourth chapter analyses the strategy of risk prevention and control in Jiangsu Leasing Company's financial leasing business,from two aspects of risk identification and risk control.In the aspect of risk identification,it mainly includes the construction of project evaluation system and risk tracking system,the formation of professional risk management team.In the other aspect of risk control,the company adopts the construction of credit rating mechanism of lessee,technology integration and conducts differential competition,powers separating,develops vendor lease,issues leased asset-backed securities.The fifth chapter evaluates the effects of risk prevention and control in Jiangsu Leasing Company's financial leasing business,from two aspects of financial effect and non-financial effect.In the aspect of financial effect,the company's financial benefit of financial leasing business is high,the debt risk is low,and the growth ability is strong.In the other aspect of non-financial effect,the quality of the company's service to small and medium-sized enterprises is sustainably optimizing,and the capacity of serve the real economy has been continuously enhanced.Based on the previous chapters' analysis,the sixth chapter summarizes the risk prevention and control of financial leasing business in Jiangsu Leasing Company,and draws some conclusions and inspirations.Through the analysis of this case,this paper draws the following conclusions: strengthen the credit management of lessees is one of the important links of risk control,subdividing the market and differentiating operation can appropriately avoid risks,expanding the new financial leasing business model may spread risks.Based on the successful case of risk prevention and control of financial leasing business of Jiangsu Leasing Company,this paper gets a lot of enlightenments,such as the company should choose appropriate customer groups of financial leasing based on enterprise strategic development,improve enterprise financial leasing business process management,related departments should strengthen financial leasing business supervision,and Multi-joint force should be centralized to create a good environment for financial leasing.By using the methods of document analysis,case analysis,qualitative and quantitative analysis,this paper takes financial leasing as research object,combining with actual situation of Jiangsu Leasing company,analyses the problem of risk prevention and control of financial leasing business,applies existing theories to practice and draws conclusions and enlightenments,which provides a concrete case proof for the relevant theoretical research.The domestic research on the risk of financial leasing business mainly involves a single industry,such as aircraft leasing,car leasing and so on.There are few studies on the risk of this cross-industry and multi-field financial leasing business.Therefore,from the perspective of theory and practice,this paper studies the risk of financial leasing business through risk prevention and control of financial leasing business of Jiangsu Leasing Company,hoping to provide a good reference for financial leasing enterprises in risk prevention and control. |
PDF Full Text Request