Research On Risk Management Of Chinese Finance Leasing Companies Based On CAMELS Model

Finance lease industry is a relatively special industry,which belongs to the financial category,but it covers a wide range of industries,including trade,equipment and so on.In addition,the financial leasing business involves a large number of market participants,including lessor,lessee,supplier,etc.,which is closely related to each transaction subject.In recent years,with economic promotion and policy support,China's financial leasing industry has developed rapidly.However,compared with foreign countries,there is still a lot of room for development in China's finance leasing industry.It is worth noting that the rapid development of finance lease industry in China also exposes some risks,which is not conducive to the long-term development of the industry.This thesis takes the risk of financing leasing company in China as the research object,introduces the CAMELS model,apply it to the risk assessment analysis of BoHai finance leasing company,and put forward corresponding solutions to the risks faced by the finance leasing industry in China.First of all,this thesis mainly analyzes the existing risks and causes of finance leasing companies in China,and introduces the measurement method of the risk of finance leasing companies,namely CAMELS model.Before analyzing the risk,this paper briefly introduces the risk forming mechanism of finance leasing companies;classifies the risks faced by finance leasing companies from four aspects of lessor,transaction subject,leasing assets and external environment,and analyzes its causes;briefly introduces CAMELS model and points out the feasibility of applying it to the risk assessment of finance leasing companies.Secondly,this paper focuses on the technical framework of CAMELS model in the risk assessment of financial leasing companies.According to the actual needs of the risk assessment of finance leasing companies,this paper revised the CAMELS model and introduced the risk factor of operating environment.Thirdly,this paper takes the form of case analysis to evaluate the risk of BoHai finance leasing company by using CAMELS model.By organizing and analyzing relevant financial data of BoHai finance leasing company,evaluate the risks of BoHai financial leasing company.In the end,aiming at the specific risks,this paper puts forward the targeted risk prevention countermeasures from the perspective of various risk factors.Among them,the finance leasing company should perfect the internal governance structure of the company,pay attention to the cultivation of professional talents,at the same time,through Internet finance and asset securitization innovative financing channels.Each transaction subject should carry out due diligence method strictly,establish corresponding margin system;The government should improve the construction of personal credit investigation system and provide a good credit environment.In addition,the government should strengthen legal construction and improve the supervision system,establish a uniform registration system for leasehold,promote the construction and improvement of the second-hand market for leasing items.