Research On The Risk Management Of Car Financial Leasing Business Of Company A

Automobile financial leasing business is a new mode of automobile sales.In recent years,the market demand for automobile consumption is no longer limited to supporting a single automobile purchase,but to serving the whole industrial chain.However,the relevant professional institutions and scholars have not improved the industry with the development of the financial leasing business the improvement of risk management ability,the optimization of risk management system and risk management methods,which lead to the overdue rate of the industry has been at a high level,and the business risk management of automobile direction is particularly important.At the beginning of this paper,it mainly summarizes the research status and related theories in the world,such as the information asymmetry theory and risk management procedures,which paves the way for the introduction of business risk management of automobile financial leasing,especially the introduction of credit risk and operational risk.Through the research object a financial leasing company(hereinafter referred to as a company)of the external environment,the actual situation A company’s business risk problems Phenomenon: operational risk caused by complicated business process,credit risk caused by imperfect credit system and lack of risk monitoring system,and then analyze the background causes of several kinds of problems,use the ideas of problem identification,cause analysis and optimization measures,and put forward corresponding risk improvement suggestions for the problem link of business process,such as through the establishment and implementation of risk monitoring system Strengthen the customer credit evaluation mechanism before vehicle financial leasing,use Z-score Model and logistic model to reduce the access risk of users,continue to pay attention to customer performance after signing the lease contract,Finally,through resource investment and technical productivity guarantee optimization measures to effectively implement,at the same time,create a risk culture atmosphere for the whole company,enhance risk awareness,and help a company’s business and car financial leasing Healthy and sustainable development of the industry.