Research On Risk Assessment Of Financial Leasing Companies

Financing leasing is a kind of financing method which combines financing with finance,and in developed countries,its application is particularly extensive,is to remove the first choice after the bank credit,although in our country started late,but it to broaden the financing channels for small and medium-sized enterprises,promote enterprises to new equipment investment,drive industry to achieve the overall innovation upgrade has an important role,At the same time,it is also an important measure to deepen the financial reform,which has a good effect on economic development,so it has been paid attention and developed rapidly.But at the same time,financing leasing transaction complex,large-scale and long recovery period,coupled with China's financial leasing industry risk supervision system is still to be perfected,therefore,the financial leasing enterprises themselves can accurately identify the source of risk,the various types of risk effective prediction and evaluation,and establish and improve their own risk supervision system,has become the key to the healthy,rapid and sustainable development of China's financial leasing industry.China Kang Fu International Leasing Limited by Share Ltd as the current National Equities Exchange And Quotations listed the largest in the capital leasing enterprises,mainly in the new energy industry,equipment manufacturing industry,medical pharmaceutical industry,such as the provision of professional equipment financing leasing services,committed to promoting China's new energy industry and equipment manufacturing industry development,and strive to build into the head of the industry benchmarking.In this paper,based on the CAMELS evaluation system to improve the design,and try to establish their own risk assessment system,and through the enterprise risk assessment to identify existing risk management system problems,and accordingly put forward the corresponding improvement proposals,At the same time,in order to provide some reference for the risk management of the financial leasing enterprises in the situation of opportunity and risk coexistence.Based on the CAMELS evaluation system,this paper improves design based on single score and comprehensive score,qualitative analysis and quantitative analysis,reveals risk level and risk size,so as to achieve risk assessment and control.As a "financial property enterprise",financial leasing enterprises are similar to financial institutions in some businesses,so they have good applicability to risk assessment of financial leasing enterprises.Based on the reference of relevant scholars,the introduction of industry standards and evaluation indicators,CAMELS evaluation system design improvement,from capital adequacy,asset quality,management ability,profitability,liquidity,market sensitivity and service control seven aspects of risk to evaluate the China Kang Fu,found its liquidity is low at the same time,high corporate debt ratio,asset liability maturity mismatch problem is more serious,the market was less sensitive.The comprehensive rating is 2-3,that is,the overall risk is moderate,and the problem is not enough to affect the operation of the enterprise,but it should be paid more attention.At the same time,China Kang Fu is still too single and lacks independent risk regulatory agencies.Its financing structure is mainly about shareholder investment and bank credit,and its structure is relatively single.Finally,based on the evaluation results,from improving the organizational structure of the company,set up a risk management committee,deepening risk management culture,enhance the risk management efficiency,strengthen liquidity supervision,build an effective early warning system,the introduction of asset securitization and other financing channels,business model innovation and the Internet combined with the risk of China Kang Fu to prevent and put forward suggestions for improvement,at the same time,it is hoped that the research of this paper can serve as a reference for the risk supervision of other financial leasing enterprises in some degree.