Research On Credit Risk Management Optimization Of Company A's Financial Leasing Business

With the continuous promotion of national policies such as "Made in China 2025",the operating environment of the financial leasing industry has been optimized and the market demand has gradually increased,providing good development space and opportunities for financial leasing enterprises.In April 2018,the Ministry of Commerce issued "about financial leasing companies,commercial factoring and pawn shops management responsibility parties on matters relating to the adjustment notice,financing lease industry in China ushered in the era of unified regulation,tightening in tighter regulation of posture,the financing risk management ability become the core competitiveness of the enterprise development.At present,the domestic economy is still under downward pressure,and the macro economy is at its bottom.Under the influence of the macro political economy and financial environment,domestic enterprises are under pressure in business development and refinancing,and the credit risk of customers facing financial leasing business has increased.Therefore,it is of great practical significance to study the credit risk management of finance lease business.In previous studies,there are few researches on the credit risk identification,evaluation,monitoring and control of finance lease business.Therefore,the core issue of this paper is the optimization of the credit risk management of Finance lease business of A Company.This paper takes A company as the research object.Firstly,it introduces the research on credit risk and finance lease credit risk by literature analysis,analyzes the research gap of existing literature,and introduces the relevant theoretical basis.Secondly,it introduces the situation,organizational structure and operating status of A company,and analyzes the causes of credit risk of A company's financial leasing business from the aspects of internal and external factors and information asymmetry.Thirdly,the credit risk management status of Company A's finance lease business is sorted out and the credit risk management problems are analyzed.Finally,aiming at the credit risk management problem,based on relevant theories,based on optimization principles and objectives,this paper proposes six optimization measures for the credit risk management of finance lease business from three links: risk identification and assessment,risk monitoring and risk control,and puts forward corresponding safeguard measures for the optimization measures.The main conclusions of this paper are as follows: First,the causes of credit risk of financial leasing business include external factors,internal factors and internal and external information asymmetry.The external factors include macroeconomic changes,policy regulation,increasing competitive pressure in the industry and the inability of the lessee to repay the financing lease.Internal factors are mainly the performance pressure of the company.Second,company A's existing credit risk management measures for financial leasing business are not comprehensive and accurate enough due diligence information,credit evaluation methods need to be improved,and lack of early-stage risk control awareness.Third,the focal point of financial leasing credit risk management including ensuring the effectiveness of the due diligence and customer credit evaluation process,strengthening supervision in order to enhance the accuracy of comprehensiveness and effectiveness of the risk monitoring,and timely after signalling risk early warning and establishing reasonable customer access standards and strictly implemented,to take effective measures to transfer credit risk.Fourthly,the credit risk management of finance lease is optimized in the whole process of risk identification and assessment,risk monitoring and risk control.Including complete due diligence investigation method,the construction of the agricultural product processing industry,for example the customer credit risk evaluation index system,perfecting the rent after dynamic monitoring credit risk,perfecting the risk early warning system,perfecting the rent of credit risk and risk diversification,after for other enterprise financing lease business credit risk management provides a reference basis.