Analysis And Prevention Of A Finance Leasing Company Business Risk Factors

Risk management, is the core competitiveness of all financial enterprise, the financial industry, is also the most important part of enterprise management. At present, China’s economy is in a special "three overlay" period, Because of disadvantageous influence economic development has slowed down the development of the financial industry, The pressure of risk management of financial enterprises is increasing. Early overshadowed by rapid economic development in the financial risk of gradually exposed, the financial enterprise risk pressure surge. To improve the deficiency of the early stage of the risk management, alleviate the situation of capital risk also become an important management of financial business in the near future.Based on the system of engineering machinery enterprise co., LTD., subordinate B financial services companies, A financing lease co., LTD as the research object, this specific subject to the company in recent years, the asset risk profile are analyzed, found that the company has certain problems in risk management, To find specific problems that exist in the risk management, this study designed the diagnosis card risk management, the company currently risk assets were investigated; And designed a questionnaire, risk management to the company’s business is based on a questionnaire survey of the related staff; Through the sample survey and statistical results of questionnaire survey, found the company in three main problems that exist in the risk management:Company’s business strategy, company staff compliance risks, and the company risk constraint mechanism. Therefore, in this paper, using the theory of strategic management in business administration, human resources management theory, financial management theory, combined with other financial enterprise risk management model, with the correlation analysis of the three main problems in. Are the company’s main business strategy issues has not been able to balance the investor strategy with the company’s own financial property needs, lead to companies operating around the investor only strategic intent, but ignores its own financial attributes, it is the basic issue of corporate risk management. Company staff compliance risk problems, main show is a larger staff when handling the business scope in violation of the provisions of the business, and the deep-seated reason is company strategy and unreasonable human resource management problems, especially in performance management oriented and c&b set unreasonable, this is the company’s major problems of risk management. The company’s risk constraint problems, mainly due to excessive meet investor intention, relax the risk constraints, leading to the lessee default cost is low, and credit default may occur, this is the company’s risk management of credit risk in important incentive.Problems in risk management to the company and the cause of diagnostic analysis, in this paper, using the theory of business administration related, refer to other financial institutions risk management setup, in combination with the practical situation of the company, the company main problems existing in the risk management of the Suggestions for improvement, can effectively solve the company at present the main problems in risk management, strengthen risk management control, to prevent subsequent risk assets, reduce the pressure on the company’s assets risk.