Commercial Vehicle Financial Leasing Business Risks Research

As a financial means to realize the financing purpose with the carrier of financial assets,financial leasing can be divided into three basic forms:operational financial leasing with equipment as the carrier,direct financial leasing,sale and leaseback financial leasing,and financial leasing services for specific customers of small,medium and micro enterprises.Because our current financial leasing development is still in the starting stage,there are many complex risk environments such as credit risk,market risk,operation risk,operation risk,legal risk and policy risk in the course of actual business development.However,commercial vehicle financing,as a more common vehicle financial leasing method and enterprise supplementary financing means,is also an important subject of current academic attention due to its own management difficulty and corresponding strategies and safeguard measures for the risk management of financial leasing business.Through this study,an evaluation index system is established for four risk factors of financial leasing enterprises,namely policy risk,market risk,operational risk and capital risk,which can effectively realize the decision of enterprise financing strategy based on scientific risk identification and evaluation results.Effectively improve enterprises’ ability to cope with risks and risk control in commercial vehicle financial leasing business,and achieve standardized and indexed comprehensive management of enterprises.This article combines the market background analysis of the risk development of my country’s financial leasing business and the research progress of domestic and foreign financial leasing related theories.Based on the classification of financial leasing,commercial vehicle financial leasing and financial leasing risks,with the help of relevant theories and C Company as the actual case study object,a statistical analysis of the operating status and financial data of C Company’s commercial vehicle financial leasing business was carried out.problems and the influencing factors of C company’s financial leasing risk management.And through the combination of quantitative analysis and qualitative research,the risk control management system scheme design of C company’s commercial vehicle financial leasing business is carried out,and the empirical model is established by using the AHP analytic hierarchy process,and on this basis,the corresponding risk control optimization strategies and strategies are proposed.Safeguard study design.This thesis proposes a study on the implementation guarantee measures of the optimization plan of the risk management of the commercial vehicle financial leasing business of C company.Solve the problem of C company’s commercial vehicle financial leasing business,and provide impetus for C company’s subsequent stable and healthy development.It also provides a more detailed practical reference sample for the development of the commercial vehicle financing industry.