The Research On Lessee's Credit Risk Management Of Ship Financial Leasing In China

In recent years,the rapid development of ship financing lease business has become the second largest financing channel of bank credit,which has played an important role in promoting the development of shipbuilding and shipping market and accelerating the upgrading of shipping industry chain.However,the financial leasing project itself has a lot of uncertainty and high risk because of its capital intensive,long investment cycle and complex features.Coupled with the current extreme downturn in the shipping industry,the phenomenon of the lessee default or bankruptcy is becoming more and more serious,and the credit risk faced by the charterer is more and more serious.Therefore,it is necessary to study the credit risk and strengthen the credit risk management.This paper takes the lessee's credit risk management of our country shipping finance lease as research object,starting from the ship financing lease,the lessee credit risk and risk management theory and the present situation,first elaborated the problems of ship financing lease the lessee's credit risk identification,credit risk measurement and evaluation,control and management.Then from two angles of repayment willingness and repayment ability,this paper analyzes and identifies the source of the lessee's credit risk comprehensively,giving full consideration to the impact of macroeconomic cycle,shipping and ship leasing asset price changes and other indicators of credit risk factors to the lessee.On this basis,This paper establishes the ship financing lease the lessee's credit risk assessment system,and referring to the methods of commercial bank credit risk assessment to build the corresponding credit risk assessment model based on AHP and fuzzy mathematics comprehensive evaluation method.After that,the feasibility of the evaluation model is proved by the real case.Finally,this paper puts forward a series of suggestions and measures to improve the lessee's credit risk management of the ship financial leasing,which has a certain reference value to the lessee's credit risk management.