Research On Risk Management Of Z Finance Leasing Company

As a structural financial service based on the real transaction of assets,financial leasing has a wide range of service fields and flexible operation modes.It is a link connecting finance,trade and production.financial leasing can also meet the requirements of technological progress and economic development.In recent years,the rapid expansion of the asset scale and business volume of China’s financial leasing industry is largely due to the widespread use of the leaseback business with high leverage in small,medium and micro enterprises.Most of the small,medium and micro enterprises have problems such as small scale of operation,single type of business and shortage of working capital,which put forward higher requirements for the risk management of financial leasing companies.This paper takes Z Financial Leasing Company as the research object,analyzes the current situation of Z Company’s business risk management,and focuses on the current situation of Z Company’s risk management in the three different stages of "pre lease,during lease and after lease".Based on the risk management theory,information asymmetry theory and contract theory,the author analyzes the problems of Z Company in the three different stages and the reasons for the problems.At the same time,in combination with the actual situation of Z Company,further explore the optimization plan that can effectively solve the problem,put forward optimization plans including improving the digital application of risk management methods,adjusting the non-financial indicators of risk rating,authorizing the director of the marketing department to "sign" the approval authority and improving the supervision mechanism in the contract signing process,and put forward measures to ensure the implementation of the plan,including establishing a risk management working group,Regularly carry out seminars,digital application enabling risk management,and strengthen the construction of internal risk management concept.Through the research of this paper,it is expected to help Z company improve its leasing business risk management capability and achieve faster and better development.At the same time,it provides reference for other financial leasing companies with similar business content and similar business scale,hoping to make some contributions to the healthy development of the financial leasing industry.