| As a new financial business,financial leasing emerged in China at the early stage of reform and opening up,and has now become one of the most important financing methods in China.Compared with traditional leasing and traditional financing methods,its characteristics of combining financing and material financing have such features as revitalization of fixed assets,convenient and efficient operation,and flexible duration and repayment rhythm,etc.Therefore,it has played an important role in serving the real economy,improving the financing environment of small and medium-sized enterprises,and optimizing the overall capital financing structure of China.As the most common mode of operation in the financial leasing industry,the total contract amount in China is growing year by year,but because its business is part of the financial market and directly invested in real enterprises,it is vulnerable to the influence of the general environment.The impact of the epidemic on the world economy,the geopolitical crisis,the intensification of the game between countries and other factors have made the capital market face great challenges,and the slowdown of China’s macro-level economic development has directly affected the production and operation of financial leasing customers and their ability to pay rent,coupled with the late start of China’s financial leasing industry compared with developed economies,and the imperfection of the operational model,policy regulation and other aspects,all these factors will If the risk is not taken seriously,it will directly affect the competitiveness of the company and even restrict the healthy and orderly development of the whole industry.Therefore,it is of great significance for the companies in the industry to strengthen the risk management of leaseback business.This thesis takes T finance leasing company as the research object,and uses literature research,expert interview,induction method and other research methods to study the work done by company T for risk management when operating the leaseback business through specific cases,and finds that there are problems in the whole process such as the urgent need to change the business investment,unclear boundary between business and risk control personnel’s responsibilities,lax access control,and failure to establish an effective post-evaluation mechanism.In response to these problems,we analyzed the causes of the problems using risk management theories and made suggestions for risk management optimization.In order to solve the above problems in risk management,this thesis proposes solutions such as changing business direction,introducing professional talents,improving risk management methods,and strengthening mutual supervision of departments,etc.It also proposes optimized guarantee measures in terms of organizational leadership,institutional system,and human resources for the implementation of this solution.The above research and analysis help to help Company T to optimize risk management for its sale-and-leaseback business,and the optimization scheme proposed in the thesis also has certain significance for other financial leasing companies,and at the same time,it is beneficial for the regulators to strengthen their supervision of financial leasing companies and the formulation of new policies in the new industry situation. |
