Research On Risk Management Of Financial Leasing Limited By Rong Xin

Financial leasing originated in the United States in 1950s,compared with other financial instruments,financial leasing provides a more convenient and flexible way of financing,in promoting consumer credit,promote investment demand,strengthen corporate finance,promote economic consumption,play an important role in accelerating economic development.However,due to the long operation cycle,single source of funds and low participants' quality,financial leasing industry itself has greater risk.The development of financial leasing industry in our country is relatively slow development in developed countries,in the industry are "financing"rather than "melting" characteristics,the risk management is the lack of attention,so this paper selects a financing lease enterprise to conduct the research on the risk management,and puts forward the measures to be taken,the main content this paper is as follows:This article first introduces the research significance and the purpose of the research according to the background of the financing lease industry.Then,this paper lists the research of financial leasing used the need,analyzes the causes and risks of financial leasing,financial leasing business characteristics unique to the description method of-CAMELS model of financial leasing risk rating rating,lists the specific methods of risk management.Then based on the specific financing leasing company,introduces the business model and deal with the specific risk of rongxin company(credit risk,interest rate risk management measures,etc.)by using the CAMELS model to calculate the risk rating,the company in the capital adequacy ratio,asset quality,management ability,profitability,liquidity,market sensitivity of the six the level of risk,risk analysis of the size and the causes,calculation and evaluation of the company's overall level of risk analysis,risk management measures of the company's existing comprehensive place,due to the greater risk of local improvement schemes.Finally,some suggestions on risk management and prevention of financial leasing industry in China are put forward.