Research On Risk Management Of Financial Leasing Companies

Financial leasing evolved from traditional leasing, whose ownership and use right are separated. Modern financial leasing is developed from the traditional financial services, which is based on the financial business of financial settlement. Financing lease has great advantages compared with the traditional financing methods such as bank credit. Vigorously promote the development of financial leasing, is conducive to the transformation of economic development mode, and promote the integration of the secondary industry or the tertiary industry, for accelerating the circulation of commodities, expanding domestic demand. Especially the small and medium-sized enterprises in our country are generally faced with the problem of financing, financing expensive, through the financing lease can promote small and medium enterprises to achieve technological updates, improve the competitiveness of enterprises. In recent years, with the development of urbanization in China, a large number of infrastructure projects continue to start, which gives China Construction machinery leasing industry has brought unprecedented opportunities, and achieved good results. However, the introduction of financial leasing of construction machinery enterprises in China is still relatively short, mostly in the exploration stage, the industry lacks the benchmarking enterprises, but also the lack of legal norms in the law and regulations. When the macroeconomic downturn, the construction projects started to decline, and even some in the construction projects are terminated, engineering machinery financing lease enterprise risk management capacity is gradually exposed in front of the enterprise managers. Therefore, the engineering machinery enterprises to carry out the research on the risk management of financial leasing has become an important guarantee for the healthy development of the whole industry.Firstly, this thesis begins with the concept, characteristics, types and risk management of financial leasing. From the point of view of the lessor, the existing types of financing leasing industry, in particular, the risk of engineering machinery financing lease and the risk of coping strategies are introduced in detail. Secondly, this paper takes C Finance Leasing Company as the research object, through the field investigation of C Finance Leasing Company, finds its risk management problems, and combined with the latest research results at home and abroad, the paper puts forward the improvement suggestions on the risk management. This paper particularly emphasizes the improvement from two aspects of corporate governance and project risk management, and introduces the implementation process of C Finance Leasing Company’s risk management improvement through a specific case. Finally, based on the CAMELS rating system, through the analysis of the financial statements of C Finance Leasing Company in recent years, compared with the changes in the financial leasing risk indicators in the improvement, thus verifying the effectiveness of the C Finance Leasing Company’s risk management improvement.