Research On Risk Control Of Automobile Finance Leasing Enterprises

In recent ten years,the rapid development of China’s automobile manufacturing industry,the rapid growth of sales volume,the adjustment of policy and the change of automobile market environment,make the automobile financial leasing as another choice of traditional automobile sales to flourish.With the rapid increase of the number of auto financing leasing enterprises and the influx of a large number of capital,but at the same time,due to the late start,the relevant policies and regulations are not perfect,and the relevant theoretical basis is less,some auto financing leasing enterprises blindly pursue the rapid development of business,pay more attention to the formulation of their product strategies,and neglect the assessment and control of their risks.On the one hand,the huge development space of automobile financial leasing in China and its own characteristics of both flexible financing and flexible financing are favored by consumers.On the other hand,whether due to the lack of theoretical basis or practical operation of automobile financial leasing enterprises,they are facing development constraints and potential risks.Therefore,for the automobile financial leasing enterprises,if they want to develop stably and continuously,they must strengthen the cognition of business risks and the comprehensive control and prevention of risks.This paper analyzes the differences and characteristics between auto finance leasing and general finance,and analyzes the risk types and characteristics of auto finance leasing enterprises by combining the characteristics of their business activities with the basis of relevant risk theory.Through the expert investigation method to carry out the research on the risk events of auto financing leasing enterprises,analyze the importance of the risk events and the degree of loss to the enterprises;through the LS risk matrix method to carry out the probability and impact analysis of the risk events,to achieve the purpose of ranking the risk loss value of the risk events;through the LGD method to build the calculation model of the impact on the risk,and evaluate This paper estimates the degree of risk loss,analyzes the causes of risk in the business activities of auto financing leasing enterprises by flow chart analysis,and uses AHP method to analyze the weight of the causes of risk,and obtains the importance order of the causes of risk.Combined with the case of S company,this paper analyzes its risk loss and causes of risk,and puts forward suggestions on risk control countermeasures.I hope that through the research of theory and practice,I can enlighten other auto finance leasing companies,provide reference for assessing their own risks and preventing risks,and contribute to the research of risk control for our auto finance leasing companies.