A Study On Risk Management Of Financial Leasing Companies

Financial leasing was born in the US in the 50 s of last century.With the development of the era and financial concept,the scale of transactions in the global market has increased rapidly.At present,financial leasing has become one of the five major financial forms that are related to bank credit,direct financing,insurance and trust.It has become the third largest financing way in the world,and the size of the transaction is second only to the capital market and bank credit.Based on the above background,combined with the current development of domestic financial leasing industry,this thesis summarizes and analyzes the main problems exposed in the financial leasing industry at this stage.With the method of combining theory with practice,this thesis analyzes the management data,risk level and risk management methods of case enterprises from specific cases,and studies the problems of internal control and risk management exposed in their business processes.Taking A financing leasing company as an example,this thesis uses financial analysis to analyze the risk status of the company,and puts forward some pertinent problems from the point of view of the contract signing,the risk control after the lease,the risk of leasehold,the coexistence of the expected interest default gold,and tries to put forward the scientific risk control measures and the compensation for the non-performing assets.This thesis adds a case study of risk control in financial leasing industry.This thesis is composed of five parts.The first part is the introduction part,which introduces the background and significance of the topic selection.It also introduces the development status and problems and challenges of financial leasing companies in China.The second part is the theoretical research department,mainly introducing the theory and research results of financial leasing company.The third part is the introduction of the A financing leasing company's company status,and the financial data analysis and management data analysis with VaR risk control model of the A finance leasing company,and the in-depth analysis of the case.The fourth part,according to the case of a financing leasing company's internal control,put forward the point of risk control,focusing on the risk management system,institutional setting and process control part of the financing leasing company.The fifth part is the summary and outlook part of this thesis,and summarizes the ideas,contributions and shortcomings of this thesis.