The Problems And Countermeasures Of Commercial Banks’ Loan For Ship Financial Leasing Project

With the continuous development of ship financial leasing industry in our country, more and more commercial banks began to expand their business in this area by providing loans to support the ship financial leasing project. In this paper, the author analyzed the problems existing in commercial bank’s loan business for ship financial leasing project, and proposed improvement measures.Firstly, by reviewing the basic foundations of financial leasing, the financial essence of financial leasing was stressed, the history of development and the structure of the transaction were clarified. Then, the author analyzed the status of this business from the following respects: the characteristics of banks’ loan for ship financial leasing project, the related parties in this business, the approval procedures for loan, the analysis method of the loan, the developing level and developing trends of the business. Through the analysis, the author considers that there are some problems for commercial banks when they do the loan business for ship financial leasing project, for example, the developing level of this business is not high enough, the investigation on the parties other than the borrower is ignored, the analysis method is lack of pertinence, the understanding of the legal risks is insufficient, the compensation measures for controlling risk are inflexible, etc. Finally, the author researched on these problems relaying on his own work experience, and put forward the improvement proposal. The author thinks: the parties involved in ship financial leasing loan business is complicated, it is necessary to establish a comprehensive survey system to evaluate all parties’ risk, loan examination should focus on the analysis of the financial leasing transaction structure, the analysis of project risk should be set up combined with the characteristics of ship financial leasing and the situation of shipping market, the review of legal risk should be established, various effective measures for risk compensation should be appropriately used according to the characteristics of each project for the security of banks’ loan.Banks’ loan for ship financial leasing is a promising business. Commercial banks shall accumulate experience and improve management methods, so as to effectively control the risk, format good assets, make the business bigger and stronger, guide financial institutions lending more loan to the industry who really needs the financial support, and finally achieve effective allocation of financial resources.