The Research On Default Risk Control Of A Bank's Ship Financing Leasing

Financial leasing business originated in the United States in the 1950s, in recent decades, the rapid development in the world, and actively promote the development of high-tech products, large fixed equipment.Ship financing leasing, both the characteristics of financing and financing, has obvious advantages. It is caused by the shipping company's general attention, in some small and medium-sized shipping companies, this business model is extremely important, because these enterprises scale, financial strength is limited, so the financial leasing for them, it is particularly suitable.Since the global financial crisis in 2008 after the outbreak of the shipping market into a trough,the banking industry tightening monetary policy, ship financing problems appear, making the shipping business in the course of the urgent need to address the problem of cash flow tight. In this context, financial leasing is rapidly emerging as a new financing model.However, due to the high risk of ship finance leasing business, the ship finance leasing agency is not professional, ship financing leasing process information asymmetry and other issues, not only will encounter as the general financing business,economy, society, nature The same risks, but also encountered special risks in the operation of the ship, and these risks are due to the operation of the ship financing leasing mode, and most of the lessee to the lessor who transferred. So to a certain extent, limit the development of the ship financing leasing business, how to effectively control the risk, making the ship financing leasing business can be safe and effective rapid rise has become an urgent need to solve the problem.Firstly, choose a ship financing and leasing business, its financing model and business risk management research for the study, thus promoting the in-depth business theory of ship finance leasing; secondly, from the traditional theory finance lease, the use of case studies, charts, analysis the method analyzes the main risks and the risk of bank financing and leasing business of the control, such as: credit risk, legal risk,operational risk, drawing on analysis of domestic and foreign banks ship financing and leasing business risk management experience; again, Bank a ship financing and leasing business development analyze the situation,to explore the existence of a bank chartering risks and problems; then, the default risk of the ship financial leasing business to identify,and measure the risk of default instance analysis, specifically introduced the measure VaR calculation method, and then empirical research; Finally,put forward countermeasures to improve risk management in financial leasing business a bank ship, such as: financing the structural design of the arrangements for risk prevention, risk prevention financing conditions set points, the use of insurance and securities financing lease assets, thereby reducing risk and intake For risk transfer.