Study On The Asset Management Optimization Of XL Automobile Financing Lease

In recent years,China's auto industry has experienced a transition from high-speed growth to stable growth.Under the background of the influence of policy and the intensified competition,companies have turned to the auto market for profits,and have begun to actively explore the business development of auto finance.Auto finance lease has gradually become an important part of auto finance.It effectively integrates the two major industries of auto and finance and becomes a relatively new model in China's auto consumption finance field.In the increasingly fiery market environment of auto finance,auto finance leasing may become a new explosive growth point.However,at present,the development of China's auto financing leasing is still in its infancy.For the developing auto financing leasing companies,they pay more attention to the expansion of the business and often overlook the management of financial leasing assets.However,financial leasing assets are the key to guaranteeing the company's actual benefits.Therefore,it is very important to increase the importance and ability of auto financing leasing companies in asset management.This article analyzes and summarizes the research status and theoretical basis of domestic and international automotive financing leasing.It studies XL auto finance leasing companies as the research object,and analyzes the company's asset management status,business processes,and the business characteristics of financial leasing in combination with automobiles.The external environment of financial lease asset management found that XL company had problems in credit asset management such as insufficient credit risk management,high overdue rates and default rates,and low asset disposal efficiency,and tried to analyze the causes.Finally,using the method of case analysis,we propose a targeted asset management optimization program for XL company's current problems.It is hoped that in the future,auto finance leasing will have new breakthroughs and developments in many aspects such as enterprise management innovation,which will create a good environment for the future development of auto financing leasing.It is also hoped that this article can provide some references for XL auto financing leasing companies in improving asset management capabilities and competitiveness.