Research On Risk Control Of Financial Lesaing Business In Donghai Company

Continuous reform in the financial sector has made finance lease an important method after bank loans,improving the status quo of leasing industry in China.The business volume and the effectiveness of management of the financing lease industry are related to the risk adjustment of the enterprise itself and the development of the whole industry.The development of China's finance leasing industry needs to be used to evaluate the risks,and the solutions are constantly improving.Firstly,this paper introduced the domestic and foreign leasing company financing lease business risk identification and assessment model,method,etc.,and takes the Donghai company as the research object,analyses the financing lease financing lease business of its present situation,problems and solutions.The article argues that the Donghai company faces the national economic policy risk,the risk of financial policy and market competition risk.In the aspect of enterprise internal risk,Donghai company faces the risk of audit risk,decision-making risk and talent flow risk.Tenant's credit risk is faced with tenant qualification risk and agreement performance risk.In view of the above risks,the article makes a reason analysis and points out: The audit institutions are not sound,the audit procedures are not perfect,and the audit defects of financial accounting report data have caused the audit risk of the Donghai company;Lack of operating environment for risk assessment and consciousness,lack of correct guidance of laws and regulations,lack of comprehensive professional knowledge support and the necessary lateral communication,leads to the decision-making risk;The lessee not materially default,financing lease contract to the third person in good,financing lease contract subject matter produce legal priority,the tenant cannot actually perform the contract obligation caused the current credit risk;interest rate changes and exchange rate movements have led to the financial risks of Donghai company.In order to prevent the above risks,the paper proposes to improve the structure of the organization,improve the audit procedure,strengthen the audit execution,and analyze the trend of the financial market to reduce the audit risk;Strengthen training to enhance the awareness of risk prevention,and strengthen communication between enterprises in order to prevent decision-making risks;Take complete financing lease contract,risk compensation reserve,terminate the contract early and repossess the subject,the lessee bankruptcy prevention and remedy measures to guard against credit risk.The article suggested that the east Donghai company can draw lessons from other representative enterprise financing lease,to create new ways of financing lease,in order to reduce risk.This paper analyzes the risks faced by the east Donghai company in financing lease and puts forward some countermeasures.This paper is a reference to the financing risk of domestic finance lease enterprises,which has important theoretical significance and practical significance.