Research On Risk Management Optimization Of Shipping Financing Business Of M Financial Leasing Company

Ship financing lease business in China in recent years achieved rapid development,market size and significantly improve enterprise competitiveness,financial leasing companies in China in the global shipping plays a more and more important role in financial markets,and as the shipping financial market increasingly change,financial leasing companies in China are facing unprecedented opportunities and challenges.Under the background of "professional" operation of ship finance lease business and "strong supervision" of China Banking and Insurance Regulatory Commission,how to improve professional risk management ability of ship finance lease business and establish a sound risk management system of ship finance lease business are of great importance to finance lease companies.Based on M financial leasing companies as the research object,analyzes the ship financing lease business risk management present situation and the existing problems,according to the theory of comprehensive risk management,credit risk management theory as the theoretical basis,the fuzzy evaluation method,the qualitative analysis and quantitative analysis of the three kinds of research methods,in combination with the practical situation of the company,put forward the risk management plan of the main risk points in the whole business process and formulate the guarantee measures for the implementation of the plan.First of all,related concepts of ship finance lease and basic theories of risk management are elaborated.On this basis,the risk management status and main problems of ship finance lease business of M Financial Leasing Company are analyzed.Secondly,it identifies and evaluates the risk points of the whole process of ship finance leasing business before,during and after leasing,and studies the risk distribution of the whole process of its business.Thirdly,combined with the relevant risk management theories,aiming at the main problems existing in the risk management of ship finance leasing business,three risk management schemes of credit risk management,operational risk management and anti-money laundering risk management are formulated.Finally,in order to ensure the effective implementation of the design scheme,the author puts forward the guarantee measures of organizational system,human resources and financial technology.By putting forward the risk management plan of ship finance lease business of M Financial Leasing Company,we hope to improve its professional risk management ability of ship finance lease business,and also hope to provide some reference for other companies engaged in ship finance lease business.