A Study On Financial Risk Of Financial Leasing Companies

In recent years,the status of financial leasing industry has been improving,because it not only becomes a new means of enterprise financing,but also meets the personalized needs of enterprises in purchasing asset-heavy equipment and revitalizing assets.Aircraft is a typical heavy asset.By the end of 2017,the fleet size of China’s aviation leasing industry has reached more than 3,300.With the promotion of national policies and the continuous improvement of the main operation mode of industry enterprises,the scale of China’s aviation leasing fleet will continue to grow.Financial leasing enterprises are typical high-risk enterprises,especially domestic and foreign financial leasing companies without financial background.This article selects the typical aircraft leasing company,China Aircraft Leasing Company,as a case study object,in order to through using the bank risk management methods of CAMELS evaluation method to identify the company’s existing or potential financial risks,each risk index performance rating and comprehensively consider the longitudinal performance of each index,and combining with the same industry competition related indicators of transverse analysis enterprise comprehensive risk evaluation,and identify the enterprise interior existence and potential risk,and gives the classification management.According to the risk identified,the article combined with the enterprise existing risk management system,found that enterprises for financing risk,liquidity risk,credit risk,interest rate and exchange rate risk management has certain management solution,but the financing risk,interest rate matching degree of risk,management risk management effect is not significant,while in other risks due to the development of international business and the expansion of business volume also exist in the process of large potential risks.Then,the paper puts forward suggestions on the strategies for enterprises to cope with financial risks,that is,the group needs to optimize its capital structure,attach importance to asset investment and management,conduct market research in advance,establish a correct business philosophy,make full use of contract arrangements,and set up an appropriate financial risk warning system.Through the analysis of the case,some financial risk control measures within the industry can be provided—each enterprise in the industry also need to focus on management,focus on the core asset impairment loss growth in place to ensure that money back and cultivate the risk consciousness,at the same time,two-way communication and mutual understanding between policy makers and the companies is of great importance.