The Analysis And Prevention Research Of Financial Risk For The Bohai Leasing

Financial leasing is providing financial service in essence,can reduce liquidity pressure of the lessee,is very attractive of small and medium enterprises whose short-term funds are limited,and existing buy difficulties,even some companies full of purchasing power will give up direct purchase but choose through leasing to achieve the final purpose of purchase.But since financial leasing is introduced to China in 1980s,the development of financial leasing industry in China's economic restructuring and deepening reform is not smooth,after China's entry into the WTO and connected with the world economy,financial leasing industry ushered in the development of blowout.At the end of 2015,the total number of China's financial leasing enterprises is 4508,increased by 2306 than at the end of 2014,the transaction size increased by 33.8%.But with the emergence of a large number of China's financial leasing companies,market competition is becoming increasingly fierce,and the financial leasing business is sensitive to the legal environment,accounting standards,tax policy and other effect,once the macroeconomic environment the enterprise is facing changes,it easily lead to financial risks resulting in business operating difficulties,let alone their own fund management leading to the unknown of the business and potential financial risks.In view of this,this article based on the theoretical research of the definition of financial risk,analysis methods of motivation and preventive measures,selects the Bohai leasing(now renamed as Bohai Financial Investment Holding Co.,Ltd.)as the research object,selects the F score model and financial ratio analysis method as the analysis method,forecasts the financial risk,and try to do the in-depth analysis and research from two aspects of external and internal to the sources of risk,and finally puts forward some prevention suggestions and measures for possible risk points of Bohai leasing.From the analysis we found that due to the adjustment of domestic and international relevant policy of accounting,tax and finance,the Bohai leasing is faced with certain risks.At the same time,Bohai leasing's expansion speed is too fast,the demand for funds is great,leading to a large number of borrowing,which results the current debt level of Bohai leasing is very high,the current assets and profitability can not effectively guarantee the interests of creditors,and the internal shortcomings of business is existing,such as lack of standardization of business approval,irrational business structure,weak risk awareness of employee,and their professional level is not high,these result the Bohai leasing is facing a biggish financial risk.I think we should proceed from the following seven aspects to give a effective prevention of financial risk:1.innovating business types in response to the reform of accounting standards;2.using the preferential tax policies for tax planning;3.reducing the interest rate risk of costs and benefits;4.to strengthen the supervision of business process;5.giving a reasonable response to the potential risk investment;6.diversifing financing mode to disperse financing risk;7.enhancing staff professional quality and risk sense.