Research On Problem And Countermeasure Of BH Finance Leasing Company

Early in the western developed countries, financial leasing as a kind of financial industry has been widely recognized by everyone. Since the beginning of the 1950s, under the drive of the trend of economic globalization, financial leasing industry greatly promotes the international investment and stimulate the development of international trade and showed a lot of advantages and development potential. In China, financing lease as a kind of financial industry has been nearly 30 years of development history, after twists and turns in the course of development, financial leasing industry in China has been rapid development, the number of finance leasing companies showed explosive growth, financial leasing company’s shareholders background are also different, in the manufacturer’s background, in the background of bank, there are large consortia, and several have the economic strength of the company set up domestic compared with the scale of financing leasing company for the majority of state-owned assets, in recent years have begun to introduce private capital.Financial leasing has multiple functions, such as financing, promotion, investment, asset management, capital formation, resource allocation and so on. It is the link between financial capital and the real economy, but also to promote the circulation of funds and commodities platform. It aims to serve in regional and national industry revitalization, promote industrial upgrading and transformation, promote the development and the core competitiveness of the enterprises at home and abroad market continues to improve. Financing lease to surge in the number of companies, but in the rapid growth in the number of at the same time, but there because of the market supervision mechanism is not perfect, imperfect system of enterprise risk, diverse risk prediction and the weak awareness of problems, serious impact on the enterprise survival capacity, hindering the development of enterprises. So it is an urgent problem to study the risk of financial leasing enterprises and help enterprises to control risk. Therefore, the research on the risk control of financial leasing enterprises is of great theoretical and practical significance.This paper is divided into five parts, the first part is the introduction, expounds the background and significance of this study, introduces the domestic and international financial leasing industry development present situation, explains the research ideas and methods and the innovation and characteristic. The second part is the concept and theoretical basis, mainly introduces the concept of financial leasing, as well as the introduction of contract theory and principal-agent theory, and display the risk control method of financing lease. The third part for BH financing leasing company risk control status, this part through the BH financing leasing company’s risk control status of, according to the business situation, financial analysis of enterprise present situation, from the internal control, rent, rent, rent, the risk control status, case analysis, and put forward the question. The fourth chapter for the financing lease enterprise risk control countermeasures and put forward the perfection of company organization structure, for employees to control; in the project acceptance before the enactment of the feasibility analysis, application of hierarchical key points to establish a risk control system, the establishment of non-performing assets relief measures, strengthen industry talent echelon construction and moral control measures. Actively explore the control measures to deal with credit risk, lease risk policy risk. The fifth chapter is the conclusion and prospect, summarized research conclusions and deficiencies, suggestions are put forward from the widening financing channels, control the cost, to strengthen the construction of talent echelon and, for the next step research is prospected. The main contribution of this paper is:through the study of this paper can further improve the risk control of Finance Leasing Company, to provide reference for other Finance Leasing Company to develop risk control system.