Research On The Improvement Of Risk Management Level Of S Company’s Micro-finance Leasing

The development history of financial leasing in China is not long,but it has played an important role in the process of China’s economic take-off.It provides new financing channels and ways for Chinese enterprises,and plays an important role in industrial upgrading.Financial leasing has also made good development after entering China,but we also need to see the huge risks hidden in this way of financing.Financial leasing has become mature in developed countries,but it is still in the primary stage in China.China still has a long way to explore when controlling the risk of this financing method.In this paper,firstly,it explains what is risk,and states the concept and content of risk management.Then it summarizes the research results of financial leasing risk management at home and abroad.For in-depth study,this paper selects s company as a case.Company S is mainly engaged in the traditional financial leasing business,and it has a certain typicality since it started to get involved in the Micro-amount financial leasing business for business development.The company did not recognize the risks behind the Micro financial leasing business,did not pay attention to risk management,and did not build a perfect risk management framework.In order to reverse this situation and help the company achieve its strategic objectives through effective risk control,this paper will sort out the actual operation of the company and make an in-depth analysis in combination with the development status of the whole iron and steel industry.First of all,it is necessary to identify all the risks currently borne by s company in operation and classify these risks,including operation risk,management risk,credit risk,financial risk and policy risk.Then use the risk map method to estimate the possibility of each of the above risks,make a comprehensive evaluation of the risks in combination with the risk impact degree,and divide the risks according to high,medium and low levels.Finally,take differentiated management measures to deal with high-level,medium-level and low-level risks respectively.When managing senior risk,comprehensively sort out and improve the existing credit risk process;Use innovative financing means to reduce intermediate risks,and in the face of low-level risks,start with the internal governance of the company and adjust the structure.By promoting diversified risk management means,comprehensively reduce the overall risk of S company and eliminate future problems for the development of the company.