A Study On The Risk Management Of Financial Leasing Enterprises

Financial leasing is a compound of trade,through the financial leasing program to achieve the investment and purchase of equipment to deal with the lease company for a long time to occupy the capital,and make the rental equipment in a short period of time to obtain economic benefits quickly.The current domestic financial leasing industry ubiquitous engineering risk regulation awareness is not strong,engineering risk supervision,business conditions and pattern has become a domestic financial leasing industry constraints.Therefore,this paper analyzes the business characteristics and risk situation of the finance leasing industry,constructs a comprehensive risk supervision mode,and emphasizes the external risk supervision plan.This paper first analyzes the basic strategies of financial leasing risk regulation,and then uses CAMELS to complete the risk assessment of CNOOC leasing company,including the capital adequacy characteristics,capital quality,regulatory efficiency,profitability,asset flow characteristics and risk sensitivity of CNOOC leasing company The degree of discrimination.And then complete the comprehensive risk assessment,first outlined the comprehensive risk assessment and risk integration,and focused on the CNOOC leasing company competitors,alternative industry threats,suppliers and audiences bargaining role.Analyzes the comprehensive risk situation of CNOOC leasing company,and analyzes the advantages,disadvantages,opportunities and challenges of the company.The empirical analysis shows that the risk level of CNOOC leasing company is the second level,the enterprise assets are abundant,the capital quality is high,the business model is stable,but the capital flow situation changes greatly,the market sensitive level is at the lowest level,Therefore,CNOOC leasing company risk supervision and regulatory awareness of the lack of regulatory programs lag,and there are operating conditions constraints,asset monitoring efficiency is not high and so on.Finally,this paper,combined with the status quo of CNOOC leasing company,gives the scheme of perfecting the risk supervision of finance leasing enterprises in our country,and constructs an effective enterprise risk monitoring system,that is,perfect the insurance system,credit model and complete financial leasing enterprise.Regulatory standards,such as risk avoidance,decentralization,transfer,compensation,suppression and digestion programs,and risk analysis with economic analysis methods combined with predictive risk methods such as SWOT and five-force analytical methods.