Research On The Risk Identification And Countermeasure Of Z Company Financial Leasing Sales Model

With the continuous development of China's market economy,Economic Globalization and market competition continues to intensify,expand the market share and expand sales Is the only way for modern companies,sales model reform also followed.As a pillar industry of China's national economy-the construction machinery industry is also involved,They all started large-scale use of bank mortgages,financial leasing credit sales model,a large number of financial leasing business and promotional equipment to increase the company equipment sales.But this credit as a link to the credit model must be accompanied by a great risk dangers,such as credit risk issues.The article mainly focuses on the improvement measures of risk management of financial leasing sales model with industry giants Z company.Through the literature survey method,empirical summary method and comparative analysis method,analysis the Z company and industry average horizontal,and then through the longitudinal analysis with Z company itself,found in the Z company financial leasing sales model hidden the risk of loose,credit risk,inventory risk and financial risk and other issues.Since the establishment of financial leasing sales company in 2009,the use of financial leasing sales model let the receivable finance leases accounted for the proportion of accounts receivable growing,Long-term income Difficulty creat more long-term debt,bad debts seriously affected the company's operations.Z company has taken measures to improve the proportion of down payment,non-recourse factoring and joint leasing to reduce the risk,but the effect is poor.By analyzing the risk model of the financial leasing sales model of Z company,this paper mainly focus on the improvement of risk management system.And then put forward a set of relatively complete and feasible risk management measures,regarding the whole process and even before and afterwards.Under conditions that the economic trend of domestic market is relatively depressed,the imbalance of supply and demand in construction machinery industry and overcapacity,the subject of this research is developing risk management measures,which are relatively detailed,feasible and effective,both to solve the Z company Capital operation problems,and to provide effective information for similar companies.