Research On The Risk Management Of The Financial Leasing Business

Financial leasing is a form of financial services based on the lease,which is the product of the combination of material and credit in the process of modern economic development.The financial leasing industry has been in rapid development since it was born in the United States in 1950 s.It was a sunrise industry in twenty-first Century.Because the financing lease business involves trading structure,trade process is relatively complex,so the risk problem in the face of a lot,such as the lessor's internal risk management,external business environment risk and the lessee of the credit risk,how to carry out effective risk management is an important problem in financial leasing industry,comprehensive risk management and control work will be is the key of financial leasing companies continued stable operation.Through the research and analysis of AH printing equipment leasing company leasing business risk management,strengthen industry risk management awareness,improve the risk management level of enterprises,reduce the probability of project risk,guarantee the stable operation of all business processes,has certain theoretical and practical significance for risk management of financial leasing business.This paper starts from the related basic theory of financial leasing risk management,such as the concept,characteristics,COSO risk management theory,studies the relevant theories of content identification,assessment and management of financial leasing business risk,and then on the development of China's financial leasing industry is analyzed,and the AH financial leasing company leasing printing business equipment as an example,the main risk from the external environment and the internal management,the three aspects of credit recognition the financing lease business.The external risk mainly includes changes in macroeconomic policy risk,market risk,financial risk and other backward technology;internal audit risk mainly includes the risk of defects,the risk of making mistakes and irregularities risk;the lessee risks consist of the operating conditions,team building,management level,history and credit records.Secondly,the author uses specific methods to evaluate and evaluate all kinds of risks through systematic evaluation indexes,and provides scientific basis for decision-making.Finally,the design of AH Company printing equipment leasing business of the main measures and risk management measures,in particular: the establishment of printing equipment business risk management organization,standardizing the risk evaluation process leasing project,construction project risk evaluation index system,the implementation of risk management during the whole process of the lease,rent the focus on risk assessment and target customers the leasehold property,the rent to increase trust measures in place,rent and rent collection do the risk supervision of regular inspection,the lessee to track its business dynamic,finally also set up a lease period in case of risk events that started the exit mechanism.