Research On Risk Management Of High-end Equipment Manufacturing Finance Leasing Business Of ZH Company

The high-end equipment manufacturing leasing business of financial leasing companies has expanded the business scope of the leasing company.However,due to changes in the external environment,the uncertainty of business income is increasing.The high-end equipment leasing business of some financial leasing companies is in its infancy.The management system and risk management system are not sound enough,and the management of business process loss risk is not standardized.Based on the above issues,this research takes ZH financial leasing company as the research object,draws on the research results of comprehensive risk management theory,combs the literature on risk identification,evaluation and response of financial leasing business,and analyzes the risk management of ZH company from the eight elements of comprehensive risk management current situation,identifying risk factors from the perspective of the entire business process,designing a risk list for ZH company’s high-end equipment manufacturing financial leasing business,using analytic hierarchy process and triangular fuzzy number method to evaluate risks,referring to authoritative classification methods to construct risk response method selection models,and proposing different levels.The response strategy of risk control points and the guarantee measures for the smooth implementation of risk management help ZH company to improve its overall risk management level and reduce business risk losses.It is found that the problems in the process of risk management of ZH company are similar and special to those of its peers.The internal environment analysis found that the company’s risk management organization is not perfect,the risk management objectives are not clear,the company’s business identification method,evaluation technology and response system are relatively backward,the control activity analysis found that some departments are incompatible,the separation of duties control is insufficient,the company’s risk management information system is not perfect,the communication between the upper and lower levels is not appropriate,and has not yet been completed establish a sound risk early warning mechanism.These management deficiencies provide a large research space for our study.Further analysis found that the company’s high-end equipment manufacturing financing business has 19 potential risk factors in the pre rent,rent and post rent links.Through comprehensive evaluation of potential risks,it is found that the overall risk level of high-end equipment manufacturing financial leasing business of ZH company is high,which is an important risk control point.Among them,the pre leasing stage is still the highest risk level,with high rating,which is also an important risk control point.In order to help ZH company effectively resolve the risk,four coping styles are selected:risk aversion,risk transfer,risk reduction and risk tolerance.Considering the dual influence of risk level and difficulty of risk control,this paper uses these two factors to build a risk response mode selection model,and establishes the selection criteria and process.According to the selection criteria,the risk response methods and corresponding risk response strategies of 19 risk factors are determined.To ensure the implementation of the risk management system,ZH company should optimize the it’s internal environment,clarify risk management objectives,strengthen internal activity control,strengthen information management and communication,and attach importance to business process risk monitoring.