Study On Credit Risk Management Of The Bank's Financial Leasing Companies In China

In 2007,The Management Measures of Financial Leasing Companies was promulgated,so that the bank leasing company would return to the leasing market after 10 years.Bank is a financial leasing company,will not only promote the comprehensive development of the banks themselves,improve their competitiveness,add new pulse for financial leasing in China,at the same time help the gold lease market multiple.Despite the advantages of the banking system,the credit risk is always the common problem of all leasing companies.It is not only reflected in daily business,it is more likely to become the primary risk of leasing companies.Since financial leasing is financed by the combination of financing and finance,the value of the lease item is high,and the characteristics of long lease term will generate credit risk.In view of the late establishment time of the bank of China,the credit risk identification and management of the leased property need to be strengthened.Therefore,it is imperative to explore the credit risk of financial leasing companies.This paper first studies financial leasing,including the definition,operation mode,development process,function and problems of financial leasing and bank financial leasing companies.Then,the credit risks of financial leasing companies in the banking system,including the causes and control of credit risks,are deeply explored,laying a foundation for the exploration of credit risk management in the whole paper.Finally,the game model is used to study the credit risk of bank financial leasing companies.Strengthening cooperation with dealers and commercial banks will also reduce credit risk to some extent.Finally according to the conclusion of China's banking system financial leasing companies risk management advice.