The Research On Risk Problem Of Financial Leasing Company

China’s financial leasing industry started relatively late.After the 1980 s,the development of China’s financial leasing industry was on the right track.In recent years,the marketization trend of China’s financial industry has become increasingly prominent,which has brought new development opportunities to the financial leasing industry.The rapid development of the financial leasing industry has promoted the upgrading of traditional manufacturing equipment,promoted the optimization and upgrading of the industrial structure,and effectively activated the funds of SMEs in China.While China’s financial leasing industry is growing rapidly,the potential risks facing it cannot be ignored.Compared with the developed capitalist countries in the West,China’s financial leasing industry is still at a relatively early stage of development.Therefore,it is still a long way to go to further strengthen and improve the risk control system.Under the background of the financial leasing industry to help the development of the real economy,this paper takes the risk problem of the financial leasing company as the research content,and introduces the UBS financial leasing company with strong representativeness in the industry for specific analysis.Firstly,the main financial data of UBS Finance Leasing Company in recent years was collected and sorted out,and the overall operation status of the company was analyzed.Secondly,the risk problems of the company were identified,and the following main problems existed in the company.First,due to the unreasonable business structure,the company’s leasing risk is more prominent.Second,because the asset-liability ratio of financial leasing companies is generally higher,and the proportion of liquid assets is lower,enterprises are facing greater liquidity.Thirdly,due to the imperfect internal governance structure,the quality of personnel is uneven and unstable,resulting in high operational risk.Fourth,due to industry characteristics,most of the company’s funds are derived from bank loans,and there is uncertainty in interest rate changes.The company faces a large interest rate risk.Then combined with the CAMELS risk assessment model,the evaluation model is used to evaluate the company’s risk level from six aspects: capital adequacy,asset quality,management ability,profitability,asset liquidity and market sensitivity.Based on these six individual indicators.The rating results of the company’s comprehensive risk rating,found that the company’s overall operating conditions are relatively stable,profitability is at a relatively good level,but the risk issues hidden in it can not be ignored,the company’s risk is mainly caused by the risk of leased goods,It consists of four aspects: liquidity risk,personnel operation risk and interest rate risk.Finally,in response to the above-mentioned risks,the corresponding countermeasures are put forward,and some suggestions on how other financial leasing companies deal with risks are provided.It is hoped that UBS Finance Leasing Company can solve its own risk problems in a targeted manner and provide some reference for other companies in the industry to further improve their risk management level.