Research On Risk Assessment Index System Of Finance Lease Project Of HC Company

With the rapid development of the finance leasing industry since last century,nowadays how to balance business development with risk management and control and improve the efficiency of finance leasing projects to serve the real economy,has become the focus problem that finance leasing enterprises need to solve urgently.In this paper,HC company is taken as the research object,after the reference to the research results of scholars in the field,through field research,we have learned the basic situation,business development status and operation process of HC company,and then dug up the problems in the process of financial leasing projects.Based on the theory of CAMELS rating and four dimensions of the balanced scorecard,according to the actual situation of HC company,select 4 first-level indicators,9 secondary-level indicators and 21 tertiary-level indicators,use the AHP and Delphi method to calculate?test and summary the corresponding weight of each index to design the company financial leasing project risk evaluation index system.Then put the company nearly three years of financial data into the system to verify.Finally,according to the risk assessment results of financial leasing project,the corresponding strategies for project risk management of HC company are proposed.In this paper,the study concluded that:Firstly,the use of BSC and CAMELS rating theory solves the problem of imbalance in the business development and risk control of the HC company risk assessment index system.Secondly,the empirical results show that:in this paper,the risk assessment index system of HC financial leasing project constructed can play a warning and guiding role in project risk management.Thirdly,in the risk assessment of HC company's projects at all stages have the problem of"emphasizing performance over risk",which lead to the increase of overdue assets year by year,the imbalance of business structure,the poor risk awareness of employees,the neglect of internal processes,the imperfect commission and reward and punishment system of the project,the poor management of lease items and other problems.Therefore,this paper puts forward the project risk control strategy of HC company as follows:firstly,strengthen the internal process management,improve the reward and punishment system of overdue projects;secondly,enhancing staff risk awareness training and strengthening cost management;thirdly,standardize leasing item management and introduce project management system;fourthly,reduce the reliance of the consulting company and change the commission payment agreement;fifthly,strengthen the innovation of leasing products and reduce non-standard and leaseback business;sixthly,expand financing channels and spread leasing risks.