Research On The Problems And Countermeasures Of Credit Risk Management Of Securitization Of Financial Leasing Assets

As a kind of financial innovation tool, the financial leasing asset securitization is a kind of securities which is issued in the capital market. Due to the asymmetric information, in the process of asset securitization operation of financial leasing, it is inevitable that some credit risk will be faced. Credit risk not only directly affects the Finance Leasing Company’s financing costs, but also affects the stock market demand largely. The credit risk management has a great influence on the risk preference of investors and the scheme design of securitization. Credit risk management can effectively reduce the information asymmetry in the securities market, and improve the efficiency of the securities market. The complexity of asset securitization also makes credit risk management play an important role in reducing the risk of financial leasing. Therefore, it is particularly important to effectively identify the credit risk of the credit risk of financial lease, to provide the analysis framework of the problem, and then to manage the credit risk. Through analysis of existing financing leasing asset securitization of credit risk management problems and has representative case analysis, reveals the problems existing in the financing leasing asset securitization of credit risk management, finally puts forward some countermeasures and suggestions. This paper enables investors to have a more objective understanding of asset securitization credit risk management, so as to make up for the limitations of investors in the credit risk management information asymmetry. At the same time, this paper provides reference for the design of the risk management of financial leasing asset securitization in the process of early intervention, in order to reduce risk and improve the efficiency of securitization.