Research On Financial Leasing Risk Management Of DK Car Leasing Company

The five years after the 18th National Congress was the golden stage of China's auto industry development.China has become the world's largest auto producer for eight consecutive years.Car leasing is a new type of car sales model derived from the ever-expanding trend of the auto market.In 2018,China's vehicle sales were 28.3 million units,of which 15.47 million were selected for financial leasing.Year-on-year growth of 12%in 2017.Financial leasing has become the mainstream sales model for the automotive market.However,while the scale of auto financing leases is expanding,the risks are gradually exposed.It has had a vicious impact on China's auto financing lease cars.This paper lays a theoretical foundation for the research of the article through the theoretical explanations of the three aspects of financial leasing theory,risk of financial leasing and risk management research.According to the practice investigation and research,it expounds the four aspects of laws and regulations,policy environment,market competition and internal control,which leads to the risk of financial leasing of car rental companies.Based on the CAMELS theory,the risk evaluation system of the car rental company was constructed.Using the risk assessment system to evaluate the risk of DK car rental company,the DK auto finance leasing company in the process of auto financing leasing,capital adequacy,management ability,profitability,capital liquidity,market sensitivity,etc.,the risk level is relatively high.In response to the risk points of DK car rental companies,the corresponding countermeasures and guarantee mechanisms were proposed.Through innovative financing channels,avoiding capital adequacy risks,enriching business models,improving profitability,strengthening internal control,improving management capabilities,and implementing network monitoring,To prevent asset liquidity risk,optimize industrial structure,and diversify market risks,risk management of DK car rental company's financial leasing business.Through the risk model construction and risk evaluation of DK car rental company,it reflects the current risk management status of DK car rental company and the future work direction,enriches the research and evaluation methods of risk management,and provides the business development of DK car rental company.Drawing on,it also provides a reference for other companies.