Simulation Research On Risk Assessment Of Financial Lease After-sale Leaseback

The financial lease after-sale leaseback has advantages of less restriction,convenient operation and high financial ratio.So it has long been the most widely used business model of financial leasing market.The paper first briefly analyzes the current situation of China's burgeoning financial leasing market,which is faced with such problems as non-standard business operation,weak risk bearing capacity,relatively lagging supervision and imperfect relevant laws and regulations,and points out the necessity of preventing the risk of financial leasing business,especially the after-sale leaseback;Secondly,taking the risk of the after-sale leaseback business of financial lease as the main research object,constructing the risk assessment model of the after-sale leaseback business with the theory of system dynamics;Then,carrying out the simulation based on practical cases of after-sale leaseback;Finally,putting feasible Suggestions for the risk control of the after-sale leaseback business based on the result of simulation.It mainly includes the following core contents:(1)Risk identification and feedback of the sale and leaseback business model.Firstly,analyzing the risk structure of the sale and leaseback business from the perspective of system,and dividing it into five different subsystems.Then identify the risk factors of after-sale back business with literature research method,and drawing the corresponding causal feedback diagram and cause result tree.(2)Construct the risk assessment model for sale and leaseback business.Based on the result of risk identification,the system boundary of the risk of sale and leaseback business is determined,and then the corresponding stock flow chart and system dynamics equation are established to construct a general model of risk assessment for sale and leaseback.(3)Simulation based on the sale and leaseback case.Combined with the practice case of financial leasing sale and leaseback,the expert assignment method and entropy method are used to determine the boundary value and weight of the system dynamics equation model respectively,and then use Vensim simulation software to simulate and propose feasible suggestions for the risk control of sale and leaseback business.