Research On Risk Management And Optimization Of Financial Leasing Companies

In recent years,as a way of financial innovation,financial leasing has become one of the important driving forces in my country’s economic development and industrial structure optimization and adjustment,and its financing and financing functions have injected vitality into economic development.As a financial instrument,financial leasing coexists with risks and benefits.Constrained by its financial attributes,financial leasing companies must put risk management in the first place.This research mainly analyzes and summarizes related research at home and abroad,and proposes a combination of improved CAMELS model and AHP,and selects capital adequacy ratio,asset quality,management level,profitability,liquidity,and market risk.The 6 quantitative indicators of sensitivity,and 6 categories of qualitative indicators such as operational risk,credit risk,business operation risk,legal risk,and market risk,are used to analyze the current situation of the risk control system in the financial leasing industry by combining qualitative data with model quantitative calculation.By selecting a representative financial leasing company X Company,and assisting the questionnaire survey,the results of the analysis are further adjusted and optimized,and the problems and deficiencies of the financial leasing company industry risk management are put forward.Based on the analysis of these important risk factors,the corresponding risk generating links are found,and corresponding suggestions and risk management strategies are put forward.Through qualitative analysis through model calculation,we found that default risk is the biggest risk among financial leasing companies,followed by interest rate risk and compliance risk.The model calculation results show that the focus of risk management in the financial leasing industry is indeed different from that in the traditional financial industry.Therefore,in the process of risk management of financial leasing companies,the focus should be on reducing credit risk,ensuring capital adequacy ratio and being alert to the risks brought by policy changes.It is necessary to strengthen risk management in important risk links such as the investigation and management of the access industry,customers and leasing before,during and after the period.At the same time,it is necessary to optimize the company’s risk governance structure,corporate strategy and risk appetite,and financial information identification mechanism.