Research On Risk Assessment And Control Of Financial Leasing Companies

Financial leasing industry,since its entrance into China of 1980s,it has gained profound development in the 40 years,with notable growth of captial,business scale and service capability,and with a preliminary operation pattern formed which is unique,diverse and professional.Since the economic downturn is aggravating,the risks hidden of financial leasing industry during economic expansion is being exposed,with evergrowing pressure of risk management and conrol.In this background of preventing and melting financial risks,how to better promote the force and effectiveness of risk management is a great test to the managers and supervisors of this industry.This thesis,based on relevent literatures and industrial practices,explores the mechanisms of risk generation of financial leasing companies and main risks,analyzes the contribution of various risk factors to total risk factors,and gives advices on perfecting risk control system from two dimensions of both promoting industry external environment and enhancing risk management capability of companies.This thesis,based on hierarchical structural model made by analytic hierarchy process(AHP),disintegrates the object of analysis-total risks of financial leasing companies,into various risks and risk factors layer-by-layer,establishes a risk judgement matrix,determines the degree of contribution of various factors to total risk factors through quantitative analysis.Meanwhile,because of the lack of comparability of various risk index,this thesis proposes data standarization method and carries out a overall assessment for some sampling companies.This thesis suggests that perfecting the risk prevention system of financial leasing industry should do the following things:promoting the ligeslation of financial leasing and regulation of lease registration and rental return;protecting the legal rights of all parties in the trade;perfecting the assistive policies for industry development so as to form a virtuous circle which is risk sharing and win-win cooperation;establishing a market withdrawal system and enhancing risk awareness and self-discipline;raising the efficiency of market resource allocation,upgrading overall risk management mechanism and risk control capabilities of the companies.