我国融资租赁公司风险管理研究

发布时间：2018-06-13 22:32

本文选题：融资租赁 + 风险管理　；参考：《山东财经大学》2014年硕士论文

【摘要】：在西方发达国家，有一种规模仅次于银行贷款的融资方式，那就是融资租赁。从上个世纪70年代开始，在经济全球化的大趋势下，融资租赁很好地促进了投资以及国际贸易的发展，表现出了独特的优势和巨大的发展潜力。在我国，融资租赁行业有30多年的历史。在20世纪90年代，由于对风险认识的不全面，风险意识较为淡薄，许多融资租赁公司倒闭,因为租金长时间被承租人拖欠。所以，能否有效地预测风险并控制风险、建立健全风险管理体系，就成为了决定我国融资租赁行业是否能健康和快速发展的关键问题。本文的核心内容是怎样有效地对风险进行预测和控制，并通过风险预测和风险控制来保障融资租赁行业的健康和快速发展。首先，本文简述了风险的含义和信息不对称理论，介绍了融资租赁的风险产生原因，接着从融资租赁公司即出租人的角度，，对其所涉及的各种风险，进行了较全面的分析研究。其次，文章运用传统CAMELS风险评级方法对融资租赁公司的风险评价体系进行了设计，为我国的融资租赁公司建立风险管理体系提供了理论基础，并且对渤海租赁股份有限公司的经营状况以及CAMELS体系下的各项风险指标进行了分析。最后，在这些分析的基础上，从风险分散策略、风险对冲策略、风险转移策略、风险规避策略、风险补偿策略方面，提出了融资租赁公司防范和控制风险的措施，以保障融资租赁行业的健康快速发展。
[Abstract]:In western developed countries, there is a kind of financing mode that is second only to bank loan, that is financing lease. Since the 1970s, under the trend of economic globalization, financial leasing has promoted the development of investment and international trade, showing unique advantages and huge development potential. In our country, financial leasing industry has a history of more than 30 years. In the 1990s, because of the lack of comprehensive understanding of risk, risk awareness is relatively weak, many financial leasing companies close down, because the rent is defaulted by the lessee for a long time. Therefore, whether we can effectively predict and control the risks and establish a sound risk management system has become the key issue to determine the healthy and rapid development of the financial leasing industry in China. The core content of this paper is how to effectively predict and control the risk, and through risk prediction and risk control to ensure the healthy and rapid development of the financial leasing industry. First of all, this paper introduces the meaning of risk and information asymmetry theory, introduces the causes of the risk of financial lease, and then from the perspective of the financial leasing company, the lessor, carries out a more comprehensive analysis and research on the various risks involved in it. Secondly, the paper designs the risk evaluation system of the financial leasing company by using the traditional Camels risk rating method, which provides the theoretical basis for the establishment of the risk management system of the financial leasing company in our country. The operating condition of Bohai Leasing Co., Ltd. And the risk indexes under Camels system are analyzed. Finally, on the basis of these analyses, the paper puts forward the measures to prevent and control the risk of financial leasing companies from the aspects of risk dispersion strategy, risk hedging strategy, risk transfer strategy, risk aversion strategy and risk compensation strategy. In order to ensure the healthy and rapid development of the financial leasing industry.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39;F272.3

【参考文献】