Research On Financial Risk Management Of B Financial Leasing Company

In recent years,the domestic and foreign economic situation is complex and changeable,and the leasing industry is becoming increasingly fierce.By the end of2021,the number of financial leasing enterprises was 11917,and the balance of national financial leasing contracts was about 6210 billion yuan.It is expected that by 2027,the scale of China’s leasing industry is expected to exceed 13 trillion yuan,and the industry penetration rate is expected to reach 8.5%.For B Finance Leasing Company,it faces different opportunities and challenges.On the one hand,China’s sustained and stable economic growth has provided a good external environment and foundation for the good development of the leasing industry.As the second largest economy in the world,China’s financial leasing industry still has huge room for development,both from the perspective of international horizontal comparison and from the perspective of its own economic growth.B Financial leasing company’s main business involves the medical field,which has the characteristics of anti-economic cycle and low risk,and the industry growth prospects are stable.On the other hand,B Finance Leasing Company is also facing huge challenges.Although the market competition subjects have not increased significantly in recent years,due to the tightening of policies and the downward trend of market economy,the competition for high-quality resources and customers is extremely fierce,and the innovation of business model and risk prevention will become the core of future competition.In such a market environment,financial leasing enterprises must expand their business to seize the market,and the risks brought by expansion cannot be avoided.As the core of enterprise risk prevention,financial risk not only plays an important role in enterprise risk management,but also has a huge impact on the overall and sustainable development of enterprises.This paper mainly takes B Financial Leasing Company as an example,first introduces the theoretical basis of financial leasing and financial risk management,and then introduces the basic information of B Financial Leasing Company’s organizational structure,personnel composition,business composition and process,and then analyzes the three aspects of financial risk identification,evaluation and response.The identification of financial risk is mainly analyzed through financial statement data and financial indicators,Financial analysis and evaluation is to use the combination of analytic hierarchy process and fuzzy comprehensive evaluation method to build a risk index system,evaluate various indicators through expert questionnaires,and then obtain the evaluation results.Finally,combining the evaluation results and the actual problems of financial risk management of B Financial Leasing Company,the paper puts forward reasonable preventive measures for the financial risk problems of B Financial Leasing Company.