Research On The Optimization Of Project Risk Management System In Financial Leasing Company A

Financial leasing is a modern lease,founded in the 1950 s in the United States.It's widely used by many companies to finance by selling equipments in form as a brand new type of financing.Financial leasing has become the second largest way of financing after bank credit.Since the establishment of the first financial leasing company in 1981,China's financial experienced a preliminary period of development,industry bottlenecks and vigorous development period.Compared to bank credit,financial leasing has its uniqueness and complexity.The financial leasing industry is full of risks and challenges at the beginning of its production.Financial leasing company risk management is increasingly becoming an important aspect of improving its profitability and competitiveness.China's financial leasing industry practice shows that the level of risk management is a measure of whether the financial leasing companies have the key to sustainable business capacity.With China's macroeconomic slowdown and economic development into the new normal,some business risk and moral hazard is difficult to be grasped.Financial leasing companies are increasingly exposed to the risks.Therefore,improving the project risk management system has become an important prerequisite for the steady development of financial leasing companies and the whole industry.In this paper,the project risk management system of financial leasing company which is the key problem that affects its risk management level is taken as the research object.This paper analyzes the actual situation of project risk management organization system in company A,the project operation process system and risk management system.Under the guidance of the Basel II and other theories,this paper proposes an optimization plan of the project risk management system of financial leasing company,namely,perfecting the risk management-oriented internal environment of the company,improving the ability of pre-project risk identification and evaluation,strengthening the project medium-term risk monitoring,enriching the project risk disposal means.And focus on the management of several major risks in financial leasing projects.The optimization of the project risk management system of the financial leasing company will effectively promote the improvement of the risk management level of Company A and other peers,which is based on the advanced management ideas and theories at home and abroad.