The Risk Control Research In International Financial Leasing Of Mainland Commercial Banks

International financial leasing is a new way of trading, combined by the commodity credit and financial credit, including the lessor, the lessee, the supplier and the financial sector. It is a new finance style of the combination of material trust and banking trust.Financial leasing first appeared in the United States, and spreaded to our country in the 1980s.It has been developed over 30 years. But compared to developed countries, Chinese financial leasing industry is still in development stage, especially the international financial leasing is still in elementary stage. Because of their small size and insufficient funds, a few financial leasing companies involved in the international financial leasing trade. China Banking Regulatory Commission in March 2007 released "Financial Leasing Companies Management" revised version, which allows banks to participate in the financial leasing industry. To our international financial leasing trade, it no doubt has a great push forward. But so far, the international financial leasing, especially in its risk control, is still unfamiliar to Chinese people, so the risk control research in the international financial leasing of Mainland commercial banks is very necessary.The key point is that Mainland commercial banks have international financial leasing business is very necessary, also have positive and practical significance. But in the specific business Mainland banks of financial leasing companies will be faced with various risks, such as the credit risk, the market risk and so on. This requires the company must positive identificated, effective control of these risks in international financial leasing trade. Now the main line to the point of view, the article is divided into five chapters.ChapterⅠ:Introduction. Describes the background and significance of the research. Make we know that why Mainland commercial banks must have international financial leasing business, and the risk control is necessary. On the basis of this, we defined the concept in the paper. Then describes the purpose and significance, review and evaluation of relevant literature, content frameworks, rese-arch methods, major innovation and shortage.ChaperⅡ:Trading patterns of international financial leasing and development profiles. The part respectively overview the transaction model and development of the international financial leasing. As a kind of trade in services, the international financial leasing has four models of supply:commercial presence, natural movement, cross-bode payment and overseas consumption, the four models of supply play a role in the main business model, this is also an difference between international financial leasing and domestic financial leasing.ChapterⅢ:Risk classification in international financial leasing of Mainland commercial banks and mechanism explained. This part analyzes the source of international financial leasing risk and explains the mechanism. Analysis of the source of international financial leasing risk from internal and external parts. Basis of this two parts, we classify the risk of international financial leasing, including the credit risk, market risk and so on, provided the foundation for risk control. Finally, using the information asymmetry theory, the economies of scope and scale theory, the vulnerability of credit theory to explain the risk of financial leasing.ChapterⅣ:The risk control in international financial leasing of Mainland commercial banks and empirical study. Firstly, based on the risk classification, resear-ch the risk control of Mainland commercial banks, including the credit risk, the interest rate risk and the exchange rate risk. etc. Then introduction the CAMELS eval-uation system. Analyzing the risk in international financial leasing of Mainland commercial banks from six aspects:Capital Adequacy, Asset Quality, Management, Earnings, Liquidity and Sensitivity to Market Risk. Using the ICBC Financial Leasing Company to analyze.ChapterⅤ:The suggestions for improving the risk control in international financial leasing of Mainland commercial banks. Based on the results of the analysis, proposed the suggestions for the risk control in international financial leasing. Firstly, adopting the suppression strategies to reduce the credit risk losses; Secondly, strengthening the cooperation with the manufactures to reduce the lease retention rate; Thirdly, innovating the lease products to reduce the risk concentration. Fourthly, expanding the finance channels to form the scale economy.