Risk Control Optimization Research Of Financial Leasing Of Sany

In 2008,the state implemented a 4 trillion economic plan to stimulate development,and infrastructure construction led to the rapid development of the construction machinery industry.The price of construction machinery and equipment is high,and financial leasing is favored by customers in this industry because it does not need to invest a large amount of money at one time.Between 2008 and 2011,sales of construction machinery and equipment climbed and peaked in 2011.In order to compete for market share,construction machinery companies have lowered the terms of financial leasing transactions,forming a huge credit bubble.In 2012,the state comprehensively restricted the amount of construction projects to start.After customers had no project to receive and no source of income to repay,the bubble burst.In 2012-2016,the hidden risks of the bubble broke out.The huge foreign payment fund pool,the difficulty in recovering the payment,and the need for the company to advance financing for the customer,etc.,have caused huge obstacles to the capital turnover and continuous operation of the construction machinery enterprise.Since the second half of 2016,the construction machinery industry has picked up.In 2017 and 2018,the output and sales of various construction machinery and equipment have reached new highs.Starting in 2019,the industry is getting hotter,various promotional measures are emerging,and financial leasing is also rejuvenating.Standing in the once again high market,it is necessary to make an in-depth analysis of the risk control plan of the construction machinery enterprise’s financial leasing business,check for gaps and fill vacancies,and refine effective control points to prevent it from falling into the risk of payment again.This article takes Sany Heavy Industry in the construction machinery industry as an example.Based on literature research,case studies,comparative studies,research studies and financial leasing risk control related theories,a case study of Sany Heavy Industry’s financial leasing business risk control is launched.First,a brief description of the financial situation during the trial operation of the financial leasing business risk control program of Sany Heavy Industry,including important financial statement data and financial leasing business related data,as well as financial indicators of profitability and operating capacity of enterprises of the same size in the same industry Horizontal contrast.Then starting from the risk control theory,starting from the five links of risk planning,risk identification,risk assessment,risk processing and risk monitoring,we describe the risk control plan of Sany Heavy Industry’s financial leasing business.Risk control of risk points.Furthermore,the problems in the five links of the risk control plan are analyzed in detail.For the problems in the plan: the risk planning does not penetrate the entire process of the business,the risk identification system is not comprehensive,the risk assessment is only based on the post-sale stage,and the payment data Lagging hinders risk handling and lacks realtime data basis for risk monitoring,puts forward the goal of Sany Heavy Industry’s financial leasing business risk control optimization,and analyzes Sany Heavy Industry’s financial leasing risk control in risk planning,risk identification,risk assessment,risk processing and risk monitoring The main points of optimization:complete the process to form a closed loop of risk planning,improve the system regulations to support risk identification,risk assessment covering all stages of the business,the entire process of risk management and collection,build a full range of real-time risk monitoring,put forward your own optimization suggestions and methods that can be implemented And measures.It is believed that through the optimization recommendations for the risk control plan of Sany Heavy Industry’s financial leasing,the effective control of the major risk points in the pre-sale,in-sale and after-sale phases of Sany Heavy Industry’s financial leasing business and strong overall process monitoring can be achieved to form a The long-term mechanism has certain reference significance for construction machinery enterprises that have embarked on a new industry cycle.