KY Group Financing Lease Risk Response Strategy Research

In recent years,the financial leasing industry is at a stage of rapid development.In many developed countries,financial leasing has become the second largest financing mode after bank credit.The emergence of this economic form is essentially the inevitable result of the joint action of bank capital and industrial and commercial capital.It has an irreplaceable role compared with the traditional financial businesses.With the rapid development of economy and Internet plus sharing,KY group as a financial leasing company,will also usher in new opportunities and challenges.Through the comparative analysis method,qualitative analysis method and literature method to analyze the KY group,and the financial leasing risk theory and related literature review at home and abroad are described,analyzed the innovation and feasibility.Moreover,establish the risk management system based on the COSO risk management framework and the new Basel agreement,and evaluate and analyze the risk of KY group's financial leasing.According to present situation,KY group background,operating conditions,project risk management present situation analysis,that there is below KY group map for the current financial leasing management capacity needs to be improved,the management staff of the KY group's overall goal planning needs to be improved,the ability to control the wind to upgrade,KY group's incentive mechanism is not in place leading to employee power weakened,operational errors such as frequent phenomenon,which will affect the company's profit.The KY group also has the following risks: credit risk,operational risk,market risk,liquidity risk and employee risk.That KY group financing leasing risk should be from the following five aspects: 1)in the control strategy of risk control should be used,a variety of leasing are distinguished,decentralized business areas and industries,in the business of the lessee don't cents;2)in the risk hedge strategy should be adopted in complete and incomplete hedge,hedge direct and cross hedge,static and dynamic hedging,hedge market hedge and hedging themselves;3)in the risk transfer strategy should find the guarantor,the futures contract,the purchase of insurance;4)on collateral,pricing,risk compensation in reserve rent extraction strategy;5)the risk of professional training strategy training needs analysis should be prepared to develop a reasonable training plan,select or develop appropriate training,make trainingtransformation work,evaluate the training effectiveness.Make and perfect the performance appraisal system.In addition,KY group should pay attention to risk avoidance strategy and the use and function of risk control strategy.