Research On Comprehensive Risk Management Of H Financial Leasing Company

After 30 years of development,the financial leasing industry is playing an increasingly important role in supporting the development of the real economy,promoting industrial restructuring and product technology upgrades.While the financial leasing business is developing rapidly,various risks are also constantly exposed.It is imperative to strengthen the construction of the risk management system for financial leasing enterprises.The research on risk management of financial leasing in China started late and is still in the process of continuous learning and improvement.The risk management system of financial leasing companies is not perfect enough,which seriously hinders the development of the financial leasing industry.We should focus on the content of risk management in the financial leasing business.This paper takes H Finance Leasing Co.,Ltd.(H Leasing Company)as the research object,based on the theory of risk management and taking the five elements of the Enterprise Risk Management(ERM)Framework as the entry point,combined with the risk management workflow of the Central Enterprise Comprehensive Risk Management Guidelines,conducts an in-depth study on the current situation of H Leasing Company's risk management,and summarizes the shortcomings of H Leasing Company in the construction of risk management system.This paper proposes an optimization plan for risk management of H Leasing Company to reduce risks and improve the competitiveness of the company,and expects to provide reference for the same type of financial leasing companies.Focus on the five elements of the ERM Framework,combined with the risk management workflow of the Central Enterprise Comprehensive Risk Management Guidelines,we analyze the current situation of H Leasing Company's risk management and point out the seven main problems.The first,lack of risk control system centered on the Risk Management Committee and supervised by the Audit and Supervision Committee,risk management lacks overall planning and supervision.The second,the organizational structure was unreasonable,and the audit function was missing.The third,employee risk prevention awareness and risk culture need to be strengthened.The forth,lack of risk management professionals,talent training mechanism needs to be optimized.The fifth,the identification of risks is not comprehensive and systematic,and the risks of the financial and human resources departments are not effectively identified.The sixth,internal and external risk information communication is inefficient,no effective communication and sharing mechanism.The seventh,low level of information construction and high communication costs.In response to these problems,the risk management optimization measures of H Leasing Company are proposed.The first,optimize company structure,Implement the organizational system of "the board of directors and risk management committee-management-functional departments-audit department",building a comprehensive risk management system centered on the Risk Management Committee.The second,cultivate risk management culture and strengthen employees' awareness of risk prevention.The third,expand risk management talents through external introduction and internal training,and strengthen the construction of risk management professionals.The fourth,adopt a standard risk identification method,and classify the risk level according to the estimated risk,and take targeted risk response measures according to the risk level.The fifth,play auditing role and build risk management supervision mechanism.The sixth,establish standard early warning signs and conduct risk warning management.The seventh,accelerate the construction of information systems and reduce communication costs.The eighth,strengthen internal and external information communication and establish information communication and feedback mechanism.