Nonfinancial Financing Lease Enterprise Risk Analysis And Prevention

As Chinas leasing industry into the development of the spring,non-financial leasing development of enterprise scale and marketshare is gradually improving. At the same time of the rapid businessexpansion, non-financial leasing enterprise risk management problemsare gradually revealed. Through to in-depth mining the risk whatnon-financial leasing enterprise are facing,this article screens a series ofindicators which are suitable for this kind of enterprise’ risk early warningsystem. Through this system, may achieve the purpose of monitoring ifthe enterprises facing the risk is abnormal.At the same time,this articleempirically analysis the main risks-interest rate risk and credit risk that thiskind of enterprise face. For interest rate risk, mainly on the basis ofduration gap theory to sample business assets, liabilities positions for theduration calculation, in order to get the interest rate changes in1%onthe sample enterprise net assets of the exact effect size. The Far Eastleasing’s duration gap is calculated, finally found when interest ratesrose1%, the net assets by-$38000000. For credit risk, through the Logisticmodel on a sample of9enterprise financial index by regression analysis,finally get the business the next year of default probability is ralated thesolvency of enterprises (current assets to total assets ratio), businessability (accounts receivable) and cash flows (net operating cash flowto total liabilities ratio) related to the conclusion. Based on the interestrate risk and credit risk analysis, provide a financial leasing business ‘sthese two kinds of risk management for a quantitative analysis method,make the enterprise risk management from qualitative to quantitativelevel, but also for the enterprises to decide whether to take a riskmeasures or take which kind of type risk measures to provide reference.Finally, this article provide a financial leasing company for severalrisk treatment strategies, including risk diversification strategies, risk transfer strategies and asset securitization strategy, and in variousstrategies are given specific operating ways, such as risk transferstrategies contain bank factoring and financial leasing trust,which arethe ways to achieve the transfer of risk purpose.