The Research On Risk Management Of Financial Leasing Based On Camels Evaluation System Of GY Company

In today’s social and economic development,the status of financial leasing is indispensable.Financing lease and other financial products have the same credit,operation,market,liquidity and other risk attributes;the level of risk in the transaction directly determines the lessee and the lessor’s economic benefits.How to define and grasp the various risks and uncertainties faced by the financing leasing company in the course of operation to prevent the risk and strengthen the governance is the decisive factor for the long-term development of the financing leasing company.At present,GY finance leasing company is facing the real economy downward,the risk of financing leasing company is prominent.How to manage the risk of financing leasing company effectively is the problem that the company urgently needs to solve.This paper mainly uses the method of combining literature research and case study to study the risk management of GY financing leasing company on the basis of combing the theory and literature data of the risk management of finance leasing.Firstly,the article analyzes the risk category and evaluation method of the financial leasing company,the paper focuses on the Camels index system of risk assessment,namely Capital adequacy(Adequacy),asset quality(asset quality),management level(management quality),profitability(Earnings),liquidity of assets(Liquidity),and sensitivity of market risk(Sensitivity to market disorientated).It also analyzes the feasibility of the Camels evaluation system in the risk assessment of the financial leasing company,which lays a foundation for the research of this paper.Secondly,taking GY finance leasing company as an example,this paper analyzes the present situation of risk management from the aspects of credit risk management and operation management.Thirdly,select 2011-2016 Company management and financial data,use Camels Risk rating Index system from capital adequacy level,asset quality,management level,profit level,asset liquidity,sensitivity to market risk and comprehensive risk seven aspects of GY financial leasing company to carry out risk assessment case analysis,and draw thefollowing conclusions:GY financing leasing Limited capital adequacy level,asset quality is good,management ability is strong,profitability is also more prominent,The sensitivity to market risk is more appropriate,but the company’s asset liquidity is low.In view of the problems existing in the risk management of GY Finance Leasing Limited Company,using Camels Risk rating Index System,the paper constructs the risk management system of GY company,including the lessee credit risk management system,the tenant market risk management system,the staff operation Risk Management system,the interest rate risk management system and the liquidity risk management system.Finally,according to the risk management system to put forward the corresponding implementation of the security recommendations,this paper proposes some optimization suggestions from the aspects of organizational structure construction,business process optimization,risk decentralization strategy implementation,the implementation of enterprise wind control culture,the cultivation of wind control talents,the management of fund term,the optimization of enterprises ’transformation and financing ability.Taking GY finance leasing company as an example,this paper evaluates the existing financing lease risk management by using Camels credit rating index system and constructs a Camels system suitable for GY Company’ s financing lease risk management.At the same time,we hope to provide useful reference for the risk management of similar financing leasing companies.