Research On Risk Management Of Financial Leasing Business Of Shenzhen Qianhai General Financial Leasing Company

Financial leasing is a new type of financial product that integrates financing and financing,trade and technology.Since it was introduced into China in the 1980 s,it has gone through a period of rapid development,adjustment and adjustment,construction of the legal system,restoration of vitality and steady construction and development.At present,under the economic policy of de-capacity,de-inventory,de-leverage and strong supervision of China's economy,financial leasing enterprises are faced with new challenges and development opportunities,and at the same time frequently expose various potential risks.This paper first outlines the definition of financial leasing,expounds the related concepts of risk and risk management,and introduces the risks that financial leasing companies generally face,including the credit risk of the lessee,the technical risk of the subject matter and the operational risk of the employee,as well as the market risk and policy risk.Etc.;and propose targeted prevention strategies on how to deal with related risks.Through the risk management theory and method of this paper and the current situation of risk management at home and abroad,according to the current operation status of Qianhai General Financial Leasing Company,it is found that the financial leasing business structure of the company is unreasonable,the business operation mode is not scientific,and the financial leasing business risk management system.There are some potential risks in the impractical and risk management personnel's actual operational procedures.These potential risks directly or indirectly affect the company's rising non-performing asset ratio.Secondly,according to the potential risks of the company,formulate the risk management business risk management plan: internally,cultivate and enhance the risk awareness and ability of all employees;construct the financial leasing business risk information early warning model and establish and improve the financial leasing business full process risk management.The system realizes the full process standardized management,quantitative management,and risk-controlled comprehensive management before,during,and after renting.Before the lease,the combination of qualitative and quantitative methods is used to conduct business adjustment and risk assessment;in the lease,the approval process of the financial leasing business is strictly regulated in accordance with the principle of separation of leases and trials;after the lease,the business department and the account manager are implemented.Post-rental management in the form of supervision by the special management,risk and compliance management departments.At the same time,the risk monitoring analysis is carried out throughout the financial leasing business,providing a reliable and reliable basis for the analysis,management and decision-making of the company's leadership decision-making level.Externally,based on the construction of Logistic regression customer credit rating model,strengthen the credit risk investigation of the lessee,and provide scientific judgment basis for the company's financial leasing business development,industry positioning,regional selection,customer selection and so on.Finally,this paper makes an overall evaluation of the company's financial leasing business risk management program and the implementation of the safeguard measures.The risk management scheme of financial leasing business can provide reference function and reference value for the same industry.