Research On Credit Construction And Credit Supervision Of Financial Leasing Companies

At present,China is in the critical period of industrial restructuring.Financial leasing has arisen as a new type of financing method which integrates financing capitals and financing goods,trade and technology renewal.It plays an increasingly important role in promoting national economic development.However,with the rapid development of the industry,dishonesty of enterprises occurs frequently,the increasing of the potential credit risk has become one of the major risks facing the financial leasing industry today.On account of the particularity of China's financial leasing industry,the credit risk management level of financial leasing companies is still in the prime stage,which seriously affects the development of financial leasing companies and even the industry.It is particularly important to improve the credit construction and credit supervision of financial leasing companies under the general environment of advocating the construction of social credit system.Firstly,this paper introduces the theories of financial leasing,credit construction and credit supervision,and summarizes the research results of credit construction,credit supervision and credit risk measurement model of financial leasing companies.Then it analyzes the credit risk faced by the financial leasing company and the problems in the credit construction,and probes into the credit supervision of financial leasing industry.On the basis of this analysis,this paper discusses the methods of reducing the credit risk and strengthening the credit construction,clarifies the basic ideas of the credit construction of the financial leasing company,designs the credit construction scheme of the internal credit risk control and the external credit grade optimization,and propose the key measures of the credit construction of the financial leasing company.Finally,the paper clarifies the overall goal and general idea of credit supervision of financial leasing companies,as well as the information indicators needed for credit supervision,and explains the methods of collection,measurement and information disclosure.It applied KMV model to measure the credit risk of credit index data and carries out basic credit rating for financial leasing companies.We employ BP neural network to optimize KMV model to solve the problem that the data of non-listed companies is not easy to obtain and then propose,pertinent measures and solutions according to the results of credit risk measurement.