Construction And Application Of YD Financial Leasing Company's Risk Evaluation Index System

Financial leasing business,have both funds and equipment,is a credit way which realized the financing together.By transferring the leasehold's using right and ownership.financial leasing achieves the transfer of credit funds to the real economy.Especially in the new economic state,financial leasing can solve the current problem of financing small and medium enterprises to promote the development of the real economy.Financial leasing industry has become the second largest international financing way,along with China's economic development,the domestic financial leasing industry has achieved an unprecedented rapid development.Particularly with China's economic downward pressure,financial leasing industry contrarian up,still maintained a rapid development in the past two years.With the deepening of structural reforms on the supply side,the role of financial leasing to promote the development of the real economy is becoming increasingly apparent,so the financial leasing industry has great potential.However,due to the domestic financial related system is not sound enough,the development is not balanced,unlike the banking industry and the securities industry which has a sound risk management system.At the same time,the financial leasing business is complex,involving the lessor,the lessee,the supplier of the three parties,leasing and purchase two contracts,multiple stakeholders is involved,so the complexity determines the risk of finance leasing industry.The long term of venture capital is long-term venture capital,which is very unpredictable,which is affected by the uncertain environment of the whole economic policy,the industry cycle and the enterprise itself.Therefore,it is more realistic to establish a well-established risk evaluation system for financial leasing companies.Based on the company level,this paper constructs the risk evaluation system for YD finance leasing company.Through the analysis of the risk of finance leasing industry and the present stuation of the risk assessment of YD financial leasing company,in the fourth chapter of this paper,on the basis of the six.elements of CAMELS rating method of financial institutions,I joined Industry Development as another influence factor.According to the principle of selection of indicators,twenty indexes were selected to measure the influence factors.Comprehensive application of Experts Grading Method and the analytic hierarchy process(AHP),I use the Yaahp,an AHP software,to determine the weight of each index,and the risk evaluation system of YD Company was constructed.In the fifth chapter,I use the expert grading method to make a fuzzy comprehensive evaluation of the constructed system and compare it with the actual financial data of the company to further verify the applicability and effectiveness of the constructed risk assessment system.In the end,the paper makes a comprehensive analysis of the risks of YD financial leasing company and puts forward some countermeasures and suggestions.