Research On Project Risk Management Optimization Of ZH Financial Leasing Company

Financial leasing companies are essentially non-bank financial institutions.According to relevant national requirements,the China Banking and Insurance Regulatory Commission dynamically supervises its daily operations,while various data indicators are also controlled by the People’s Bank of China,and the business model is mainly operating leasing.Because of its advantages in emerging financial business combining corporate credit and bank loans,it has become the preference of large and medium-sized enterprises in the market.Due to its short development time,domestic professional financial institutions and researchers have little research on project risk management of financial leasing companies,and there are insufficient experience accumulation and theoretical research on risk management.At the same time,many financial leasing companies have weak knowledge of legal risks,and the project feasibility review is easily affected by human factors and subjective factors,resulting in an endless stream of major project risks.With the gradual standardization of the financial leasing industry,scientific Project risk management is particularly important.This paper takes ZH Financial Leasing Company as the research object,and obtains the historical transaction data of financial leasing projects through in-depth company observation,investigation and interviews,and collection of materials in the actual operation process.By analyzing the current status of the company’s project risk management and the existing problems and deficiencies,based on the project data of real transactions,find out the characteristic variable indicators,and use the logistic binary regression model to screen and analyze the risk measurement indicators related to project risks through SPSS software.Research,select the measurement indicators that have a greater impact on the project risk from the numerous complicated risk factors,and provide a scientific judgment for the accuracy and efficiency of the risk measurement in the company’s subsequent project review,as well as development expansion and screening.On the basis of the above-selected significant factors affecting project risk,combined with the COSO risk management framework,it proposes risk management optimization strategies such as optimizing organizational structure,risk system,talent incentives,and risk training.The full text is based on the theoretical knowledge of comprehensive risk management,on the basis of the real risk management problems of ZH Financial Leasing Company and the real historical business transaction data,and reveals the current deficiencies in the project risk management of ZH Financial Leasing Company,and uses scientific risk methods for ZH Financial Leasing Company.Optimize the risk management of financial leasing company projects,study and optimize risk management strategies from the perspective of project risk measurement,project risk management process and company-level risk management measures to reduce the probability of risk,and at the same time,ZH financial leasing company in terms of risk management.And the establishment and innovation of project risk management of financial leasing companies in the industry has certain reference significance,which fills the lack of comprehensive in the research on risk management of financial leasing companies.Most of the current domestic research in this research field is based on the CAMELS rating system.Focusing on the internal and external liquidity,market sensitivity,asset quality and other aspects of financial leasing companies,it always stays at the macro level and cannot match the actual operation,which reduces the interference of human factors,has a high degree of quantification,and has a more scientific evaluation effect.To improve the solution,through scientific models and optimization programs,put forward innovative,effective and constructive methods to minimize the interference factors in the future project risk assessment,It is helpful to provide method guidance and practice basis for financial leasing company project risk management.