Research About The Mode Innovation And Risk Control Of Commercial Banks Involved In Financial Leasing Business

The past two years, the People's Bank of China repeatedly cut lending rates of financial institutions and the gradual liberalization of interest rates on deposits floating ceiling in deposits. The traditional spread income space is further compressed and commercial banks are faced with such severe challenges that they have to develop innovative financial growth-channels and optimize profit structure. At the same time, with the rapid development of financial leasing, it has become one of the most important financing channels and also the most innovative industries. By the end of 2015, there were 4508 financial leasing companies in China. The rapid development of the financial leasing industry certainly needs the support of external funding. All along, the bank loans had been the main source. But in recent years, there are great changes in financial leasing companies, including the customer industries, the type of leased assets and the transaction structure. The business models and risk control of commercial banks are becoming gradually difficult to adapt to the needs of financial leasing companies.Currently, there are two modes for commercial banks engaged in financing lease:one is to set up financial leasing companies; the other is to cooperate with those companies. In the first mode, the business of commercial banks financial leasing companies may involve relatively more extensive, but such companies are also affected by commercial bank credit policy and approval of the concept, lacking of innovation. In the second mode, since finance leasing company business has been expanded into infrastructure, and the amount of its financing channels is gradually increasing, the commercial banks is gradually losing the market share in cooperation with finance leasing companies.This study will be based on these two basic models, combining with the real cases, analyzing and discussing cooperation programs when the financial leasing has combined with the infrastructure and Internet, what innovation-cooperation-scheme commercial banks can use. Then, according to each scheme, it makes a list of risks the banks may probably encounter, and risk-prevention-measures can be taken. Finally, Analytic-Hierarchy-Process and Fuzzy-Evaluation-Method are used to quantify risks. Commercial banks, therefore, can clearly identify the most-risky part.