Research On Risk Management Of Commercial Vehicle Finance Lease Of GS Company

At present,China is in the golden age of economic development,and the subsequent financial leasing industry is becoming more and more important in economic development,and it has gradually become an effective way to solve financing difficulties.However,it is undeniable that as a financial industry The development process of new members of the company has not been smooth.As market changes,policy adjustments,and business needs continue to evolve,the risk factors that affect the company’s operation and development in this process are more and more,more complex,and more The interaction of these factors also increases the company’s difficulty in operation and management.This article starts from the development status of domestic financial leasing companies,combines the actual data of GS company’s business,uses the CAMELS analysis system to analyze the company’s risks,and proposes control measures for the risks.The first is to study and understand the theoretical and practical research results of domestic and foreign experts and scholars in the field of financial leasing,and have a cognition of the research status at home and abroad,and also analyze the development status of the domestic financial leasing industry.From commercial vehicle related concepts,Relevant theories of financial leasing and the characteristics of commercial vehicle financial leasing have been theoretically elaborated,and the internal and external risks of the industry have been analyzed in detail,in-depth understanding of the influencing factors of the risk,in order to deal with the disease and propose corresponding solutions.The main research content is GS company as the research object,in-depth analysis of the company’s situation,starting from the business process,combined with the relevant financial data developed in recent years,learning from the CAMELS rating system,for the 2018 commercial vehicle financing lease of GS company Financial data are collected and analyzed.Through the camel rating system,data accounting and index analysis are conducted from GS Company’s capital adequacy ratio,asset quality,management capability,profitability,asset liquidity,and market sensitivity,and its risk is rated in all aspects.Overall,the company’s business operations are good and its profitability is good,but its asset quality is poor and its non-performing assets account for a relatively high proportion.It mainly conducts detailed management in the entire business process and strengthens risk control and compliance control.In response to the GS company’s risk rating results,the three parts of the pre-lease,during the lease,and after the lease proposed risk management and control measures in the business development process.Before renting,take people and cars as the management objects,analyze the probability of credit risk and lease risk,supplemented by clear business management indicators,and strangle the risk in the cradle;during renting,monitor the running track of vehicles and industry development management policies,Taking into account the change of the lessee’s credit,and make a risk plan in advance;after the lease,the leased property and the lessee are managed through various methods such as telephone communication,home visit,lawyer’s letter,asset management,and litigation recovery.A variety of risk management and control methods are used to prevent the occurrence of risks,strengthen execution,and optimize the company’s asset quality.