Research On Project Credit Risk Management Of CJZ Financial Leasing Company

After nearly 40 years of development,China’s financial leasing has become an important financing tool after China’s economic development,which is second only to bank credit.However,the research and application of its business credit risk is still very large compared with other developed countries.At present,the method of risk management of financial leasing projects in China still draws on the management mode of the banking industry and does not form a set of its own system.As the financial leasing industry is becoming more and more standardized,it is urgent to establish and improve its own credit risk management mechanism.This paper takes CJZ financial leasing company as the research object,and uses the literature research method,case research method,statistical analysis method.After investigating the company’s operating status and credit risk management status,the paper takes hospital X leaseback project as an example,used non-financial indicators and financial indicators in credit risk analysis and evaluation.In this paper,the problems and causes in the credit risk management of the project are obtained,and the solutions are given accordingly.It suggests that,the risk control of financial leasing companies should be divided into three phases pre-leasing,lease and post-leasing.From the pre-leasing acceptance stage,the authenticity and integrity of the lessee’s materials should be controlled,and the due diligence after the project is the core of credit risk control,which becomes the basis for credit risk review and capital contribution;The drafting,approval and signing of the contract should be particularly precise to avoid risks;in the post-lease phase,the project asset grading management and the project risk early warning mechanism are organically combined.Project assets that are rated as normal,concerned,secondary,suspicious and loss should be respectively given corresponding risk warning measures.The suggestions mentioned above for CJZ financial leasing company project credit risk control measures offer certain referential significance for credit risk management in financial leasing industry.