Research On Risk Characteristics And Coping Strategies Of A Company's New Energy Vehicle Finance Leasing

At present,the promotion of new energy vehicles still faces various difficulties.The innovative business model can help the development of new energy vehicles,one of which is financial leasing.Financing leasing can not only benefit consumers of new energy vehicles,but also the gospel of enterprises.As an innovative financial instrument serving the real economy,financial leasing can separate "ownership" and "use rights" and alleviate consumers' "ownership concerns" and "mileage concerns".In addition,it can promote new energy vehicle procurement in the field of public transportation,as well as innovative models such as vehicle sharing.Therefore,the state encourages the use of financial leasing to promote new energy vehicles.The goal of this paper is to study the risk characteristics and coping strategies of a car manufacturer's financial leasing company-A company.The research in this paper is mainly divided into three parts.The first part analyzes the main risks faced by Company A's new energy vehicle business through three cases of the company's financial leasing business in 2018.Finding the main risk points of Company A by quantitatively analyzing the customer's capital chain status and repayment pressure,and the interest loss caused by Company A's advance subsidy;The second part introduces the response strategy of Company A in the face of risk,and quantitatively analyzes the improvement of the risk status of Company A by adjusting the business model.Company A's main response strategy is to separate the battery and the body for financial leasing,and to adjust the business model in cooperation with related parties in the industry chain.The quantitative analysis part uses the cash flow analysis method and the financial leasing pricing sensitivity analysis to demonstrate that the innovative business model can reduce the risk of company A and solve the problem of pricing difficulties;The last part analyzes the feasibility of the coping strategy proposed by Company A,appling cash flow analysis,analysis of gambling agreement to analyze whether the financial leasing related parties accept the adjustment of the business model of Company A.The conclusion of this paper is that the countermeasures adopted by Company A in the face of the risks of the new energy vehicle business can not only reduce the credit risk faced by Company A's financial leasing business,improve the business return rate,expand the business scope,but also satisfy the related parties of the finance lease.The coping strategy is feasible.