Research On Business Risk Management Of Financing Leasing Company

In recent years,the financial leasing industry has developed rapidly in our country,the scale of assets has been rising,and the penetration rate has gradually increased.It has gradually become an important part of our financial system.With the vigorous support of national policies,the scale of the financial leasing industry has been increasing in recent years,and it has maintained a high-speed growth in scale and quantity.While maintaining high growth,many risk management problems have arisen.Most of the business development modes of financial leasing companies are classified according to industry,and credit policies are formulated according to different industries.With the bad macroeconomic form in recent years,various industries have been greatly impacted.Because of the long term of financial leasing business,the security measures are mostly equipment,and the difficulty of realizing leased goods,more and more risks are emerging in leasing companies.Therefore,it is necessary to formulate corresponding business risk management measures according to the characteristics of financial leasing companies.Taking Y Company as an example,this paper explores and analyses the business risk management system and current situation of Y Company.Combining with three cases of"systemic risk of shipping department","excessive credit risk of government and credit project" and"moral hazard of personnel",it summarizes the problems existing in the business risk management of Y Company:inadequate macro-policy research,wrong entry timing system of industry choice;Imperfect construction,inadequate personnel management leads to operational risk;imperfect incentive mechanism leads to moral hazard;lack of risk culture concept inculcation,emphasizing performance over management;weak asset disposal ability;a large amount of information asymmetry;high industry concentration.Finally,the corresponding suggestions are given:establishing policy research room;improving system construction;strengthening ex post supervision;adjusting assessment mechanism;cultivating a good risk culture;establishing a second-hand equipment trading center;localized operation,diversified business direction.