Research On Risk Management Of Financial Leasing Business Of Construction Machinery Company Z

Low cost,quick return,easy maintenance and other advantages are manufacturers--of financial-leasing with the special advantages,because of these advantages it gradually become the mainstream of the financial leasing business.With the rapid expansion of the company' s financial leasing business,the attendant risk is one of the problems that can not be ignored in its rapid development.Risk affects all aspects of business processes,but also affect the development of an industry,and even affect the national economy,stable and coordinated development.Therefore,how to avoid the benefits of the process of better prevention and control of the risk,has always been a business in the financing leasing business development process,so that its operators or managers have to pay attention to,must be taken seriously.Market economy in our country is still in the initial stage,engineering machinery enterprises in the face of business risks at the same time,but also faced with such as:policy risks,market risks,and some other unique risks,such as the risk of unequal competition and so on.As the 2008 national four trillion plan to drive,construction machinery finance leasing business was blown early high-speed development,ahead of the consumer market,so that the current risk of difficult to control the problem,has become a business finance leasing business needs to solve the primary problem.Therefore,this paper focuses on the status quo,causes and management measures of risk management in the sales business of China's construction machinery industry.First of all,this paper describes the construction machinery manufacturers finance and leasing business at home and abroad status and construction machinery and its sales model related concepts.Through the basic concept of the industry introduced the financial leasing related theoretical knowledge and legal relations.And then the theoretical knowledge in depth to the manufacturer of financial leasing business risk management concepts and risk classification,including the Department of financial leasing companies outside the external risks and internal risks.Combined with the pre-lease,medium and late business process to start the status quo analysis.This paper takes the information such as terminal repayment rate,terminal overdue rate and mortgage completion rate as the theoretical basis of the analysis of' the wind control data of the financing business of Z Company.Through the combination of actual data and risk classification,it shows the current risk management of the financing and leasing business of Z Company.Through the case of Z Company,this paper presents all aspects of risk management of financial leasing industry.Secondly,after understanding the status quo of industry risk management,this paper explores the causes of-risk-management of financing leasing business.The analysis process is still in accordance with the pre-lease,medium and late time nodes.At the same time regardless of the pre-lease,medium or late,are from external analysis to internal analysis.For example,the analysis of the pre-leasing causes is the analysis of the reasons from the external overall market competition factors,the tenant management ability factor,the internal frontline personnel factors and the risk management factors.The same is true of the lease medium and late period.Finally,there are some solutions based on the causes of risk management issues.Specific measures are also based on the pre-lease,medium and late to share.Due to the market environment,the lessee situation is the manufacturer background finance leasing companies can not solve and can not interfere,so the advice given in this article is more from the internal start.For example,the early review of the business,the screening of the lessee,the introduction of intermediate business;medium-term according to the lessee type of collection,debt restructuring;later to second-hand equipment re-processing risk transfer.Although in some way the manufacturer is a financial leasing company has no absolute right to reject the customer,but through a series of means to do early to know,early prevention and mid-term,late compensation measures,or will play a positive role in risk management.The main purpose of this paper is to enhance the ability of construction machinery enterprises to utilize financial leasing tools through the study of individual cases,and to enrich the means of risk management of financial leasing business of construction machinery enterprises.Through the wind control data of Z Company,the status quo of the risk management of the finance and leasing business of our country is disclosed,and the potential problems and shortcomings and the causes of the risk management of the financing and leasing business are found.Finally,Leasing risk management problems put forward the corresponding reference strategies and improvements.To promote the standardization of risk management of financial leasing business in our country,so that the risk management problem can be better controlled and guarded.Investor status is different from the manufacturer's background of the financial leasing company and the general financial leasing company's biggest difference,which also led to its own low degree of freedom of this feature,which determines the firm' s financial leasing business itself has a strong internal Risky.The competition-of modern financeleasing industry is not so much competition as the penetration of financial risk management.In recent years,the rapid economic development,in the future for a long period of time,manufacturers of financial leasing business will replace the bank mortgage,sellers and other forms of construction machinery industry customers to buy equipment,the main way.Therefore,it is of great practical significance to study the risk management of financial leasing business.