Research On Risk Management Of Financing Leasing For Construction Machinery Enterprises

At present,the emergence of financial leasing has brought new vitality to construction machinery,which has greatly improved the overall capacity of construction machinery.In the construction machinery industry,Zoomlion,as the leader of the industry,started its finance leasing business earlier and grew faster,which promoted its sales and boosted market share.However,Zoomlion will face certain risks when it conducts financial leasing business.This is the issue that Zoomlion needs to pay attention to in its business process.How Zoomlion can effectively prevent risks,control risks,and effectively manage the risks arising from the transaction process,so that Zoomlion’ s financial leasing can continue to develop in a healthy and healthy manner.This article studies the risk management of Zoomlion,analyzes the current status and risk distribution of Zoomlion’s financial leasing business,and summarizes the risk distribution characteristics of financial leasing.Zoomlion’s financial leasing risks include credit risk,technical risk,operational risk,financial risk,policy risk,liquidity risk,and force majeure risk.Credit risk is the core risk of Zoomlion’ s financial leasing business.The generation of other risks may eventually transform credit risk.This paper analyzes the causes of Zoomlion’s financial leasing risk from three angles:the lessor,the lessee and the external environment.For lessees,due to the lower cost of default and information asymmetry Advantages may lead to risks for Zoomlion;at the same time,changes in the external environment will also cause losses and risks to Zoomlion.Based on Zoomlion’s risk management process and its risk management principles and methods,this article has optimized the risk management plan of Zoomlion.Finally,combining the previous analysis,this paper concludes that in order to better implement Zoomlion’s risk management program,it is necessary to adjust the risk management organizational structure,strengthen the personnel training program and personnel incentives to be able to strengthen the risk resistance of Zoomlion.From the perspective of Zoomlion,this paper systematically analyzes and thinks about the risk problems faced by Zoomlion in the process of financing lease,and hopes that this study will give Zoomlion the corresponding reference for the risk analysis in the process of financing leasing business.