Research On Risk Management Of Financial Leasing Business

Financial leasing,a new form of trade,because of its ability to finance and can melt the powerful function,from the production to the present has been rapid application and development.In China,financial leasing is now as a business to increase the financing channels,the product upgrades and improve sales of favorable mode.Especially in recent years,China's construction machinery industry on this form of trade a soft spot,the financial leasing for the industry into the fresh blood,creating a number of construction machinery industry sales initiative,greatly enhance the industry's overall strength.However,financial leasing business process is generally large and lasting for a long time,which leads to the risk of signing from the contract to the end of the performance are likely to produce.Therefore,whether the establishment of a sound risk management system,the effective prediction and assessment of various risks,has become a constraint on China's construction machinery financial leasing industry healthy,fast and sustainable development of the key.In this paper,through the domestic large-scale construction machinery and heavy equipment manufacturer X company's financial leasing business and risk management status and the main issues of research,and through the financial leasing risk management theory,the use of literature research and induction analysis of its Risk management program has been improved and optimized,and with the optimization program through field research and expert interviews given the relevant safeguards.In the X financial leasing business risk management program to improve and optimize the formation of the following conclusions:Firstly,the risk of financial leasing business in the correct use of management methods,flexible changes in the means of prevention and always follow the basic principles of risk management can be controlled,that is,although the risk is difficult but controllable;Secondly,the optimization and research of risk management will further improve the effectiveness of risk management,while the healthy growth and development of enterprises will play a role in escorting,but also through the financial leasing business risk control and management research for China financing leasing risk management work to bring some reference and inspiration.The innovation of this paper is mainly reflected in the comprehensive management and analysis of the risk management data of X company,and the classification of financial leasing risk category is more specific and clear classification.However,there are some shortcomings in this paper:On the one hand,for the reasons of research methods and professional background,the quantitative research on the case is weak;On the other hand,X company's financial leasing risk management program is bound to exist its limitations.