The Risk Management Research Of Commercial Bank Financial Leasing Business In China

Financial leasing is a new modern service industry that Obtains a rapid development by its own unique advantages. Financial leasing is introduced into China In the 1980 s. Because of financial leasing in China started relatively late, there is a big gap with the developed countries development level. With the introduction of relevant policies, the development of China’s commercial banks financial leasing business ushered in a new era in 2007. Carrying out commercial banking and financial leasing business is not only beneficial to the operational effectiveness of commercial banks and increase profitability, but also conducive to the development of China’s financial leasing market. Because financial leasing business itself has the liquidity risk, credit risk and asset management in the process of risk, so we need more in-depth study of how to strengthen risk management, to avoid the risk, to ensure the smooth development of commercial banking and financial leasing business Therefore, the study of China’s commercial banking and financial leasing business risk management has practical significance.This paper introduces the concept and development of financial leasing in China’s financial leasing industry. And the paper which combines with China’s commercial banking and financial leasing business development status and commercial banking and financial leasing companies in the registered capital, capital adequacy ratio, the ability to withstand risks and the dvantages of relying on the characteristics of the parent bank on finance, information, management and other aspects analyzes the unique tenant credit risk of Chinese commercial banks facing financial leasing business, risk, liquidity risk. The paper uses case studing the current risk management of the people leasing company and uses the assessment method CAMELS to analyze the risk of Minsheng leasing companies. And learns from the experience of American,Japan, and South Korea in financial leasing business risk management. Finally, the paper which combines with the actual situation of China’s commercial banks raises the countermeasures to finance leasing business in its own risk management, financial leasing industry and government.