Risk Management Research Of GK Finance Leasing Co.Ltd.

As a complex business,financial leasing needs to coordinate multiple links,including enterprise management,supply chain,law,trade and finance.Problems in any links will cause losses for enterprises,resulting in domestic leasing enterprises being surrounded by risks.The operation of financial leasing enterprises involves the interests of various subjects.The huge volume of business and the long time of capital recovery lead to the difficulty of supervision and management of business processes and the hidden risks of business activities.High-risk characteristics and lack of risk management system are common in the industry,which attracts the attention of professionals in related fields.It is of great significance for the financial leasing industry market to actively explore measures to further improve the risk management system.At present,the domestic financial leasing industry has not yet achieved full development,and the research work in the professional field of the industry is weak,which produces a certain contract for the development of the domestic leasing market industry.Therefore,leasing companies should strengthen the ability of risk prediction and control,constantly upgrade the risk management system,and ensure that the domestic financial leasing industry can develop healthily and rapidly.This paper is devoted to the study of risk assessment and risk management of financial leasing enterprises,introducing case companies,introducing various internal measures adopted by GK company,such as liquidity risk management,market risk management and credit risk management,and using traditional financial index analysis method to evaluate the risk level of GK leasing company.Price,considering from four aspects of the company,including solvency,operational ability,profitability and development ability,and found the limitations of traditional financial indicators to measure the risk situation faced by leasing companies;and then introduced the "unified financial institution rating system" of the United States-CAMELS risk evaluation system.The six indicators are market sensitivity,asset liquidity,profitability,management level,asset quality and capital adequacy.The validity of the model is validated by analyzing the overall level of the industry and actual cases.Finally,the risk level of GK leasing company is evaluated.The shortcomings and management loopholes are pointed out.Finally,this paper puts forward specific suggestions on risk prevention and control of domestic financial leasing enterprises from macro and micro levels.It is of positive significance for the financial leasing companies to prevent and control multiple risks.At the same time,it provides quantitative analysis ideas to domestic financial leasing companies,which enriches the research on risk management of financial leasing and provides reference for other enterprises in the industry.