Study On Selection Of Risk Identification And Transaction Adaptation Model For Financing Leasing Project

As a financial instrument with market vitality and an effective tool and means to promote financial system innovation,financing leasing plays an important role in excavating the huge idle resources of the society,releasing the effective demand of the market and enriching the service business of the financial market.From the perspective of multidimensional risk identification,this paper based on the project group of 81 projects implemented by A company in the financial leasing market as the risk assessment object,this paper constructs the project risk deviation model,measures the deviation of individual project characteristic risk index in the project group,and identifies "problem project" and "Project Problem".It makes the evaluation result more comparable and practical,then adopts QCA risk method,explores the logical relationship between event result and risk factor condition combination,and plays a key role in the current situation of investment operation matching mode of A company's financing leasing project.The research content is undoubtedly a useful exploration of the theory and method system to improve the risk control and precaution of financing leasing business,which has some theoretical value and practical guiding significance.Through the research,the following conclusions and inspirations are obtained:(1)Given that individual project risk assessments tend to focus on the individual characteristics of a single project,resulting in a lack of comparability of the assessment results,the risk assessment and comparative study of similar project groups undoubtedly makes the comparable scale of risk control and precautionary evaluation of similar projects,Evaluation results are more comparable and practical.(2)The individual risk assessment of 81 projects of financing lease of A company is carried out in multidimensional perspective,and the horizontal comparison is carried out on this basis,based on the overall ranking and comparative analysis of the deviation of the five risk indices,it is found that "problem items" and "project problems" are very common and outstanding(3)through the two-element discrete selection model to identify the impact of the project risk differentiation,the results show that:the financial leasing project characteristics risk mainly from the customer credit risk,followed by policy risk and market risk,leasing risk is relatively small.(4)using the QCA qualitative comparative analysis method to identify the main three kinds of risk factors which affect the success rate of the investment project,so as to A the company's main mode of operation in the investment process of the financing leasing project.The following points are obtained from the study:first,the individual project risk identification,assessment,as far as possible in the similar project comparable system,the framework to implement,to establish similar project risk assessment and establish a relatively consistent comparable scale,making the risk assessment results more comparable and practical;second,The success of financing lease investment projects is not only dependent on the individual risk factors of customer credit,the research shows that the combination condition of many risks is the key to the success and failure of the financing leasing project.Therefore,it is suggested that the risk identification and feedback mechanism The traditional method of improving the independent identification of single factor principal risk in the future financing lease investment project,especially the combination risk which is more worthy of our concern under the combination of the multiple factor risk is the direction of risk control ability to ensure that the investment project achieves the desired theoretical effect;third,It is very important to choose the investment operation mode of the financing leasing project matching with the company's resources,according to the company's customer resources,the project operation ability and the conduct level,it is possible to ensure the success rate of the project by choosing the policy favorable financing leasing investment project.