ASD公司工程机械融资租赁的逾期控制研究

发布时间：2018-02-08 11:07

本文关键词： 工程机械融资租赁逾期信用风险　出处：《上海交通大学》2013年硕士论文　论文类型：学位论文

【摘要】：在我国，80年代就有了融资租赁公司的踪迹，自2007年开始了迅猛的发展，，近几年平均复合增长率均突破40%，市场容量突破1.5万亿。工程机械行业作为大型基础建设工具，整个行业的发展受整个经济的影响较大。我国2008年新一轮经济政策的刺激，极大的带动了工程机械行业的发展。也正是从2009年伊始，工程机械通过融资租赁的方式开展信用销售模式得到了长足的发展，并在2010和2011年占据了工程机械行业信用销售的半壁江山。本文根据ASD公司开展工程机械融资租赁业务以来的数据，发现在该领域内从2012年开始，存在大量业务还款逾期的情况发生，直至2013年上半年，整个工程机械行业信用销售的还款违约情况急剧恶化，极大的增加了工程机械厂商的或有负债风险，也影响了该业务模式的生存。本文基于以上情况的考虑，从ASD公司业务模式分析入手，从业务各参与方，以及宏观和微观的角度，分析逾期情况发生的因素。从而根据分析的情况，提出在现有市场环境下该业务整改的建议，在改善业务条件、提升业务竞争力的同时，需加大业务政策执行力等措施。最后根据自身从事本行业的经验，对该业务在我国的发展提出并不乐观的前景预测。
[Abstract]:Since 2007, there has been a rapid development of financial leasing companies in China. In recent years, the average compound growth rate has exceeded 40%, and the market capacity has exceeded 1.5 tillion. The construction machinery industry is used as a tool for large-scale infrastructure construction. The development of the whole industry is greatly influenced by the whole economy. The new round of economic policy in 2008 has greatly stimulated the development of the construction machinery industry. Construction machinery through the way of financial leasing credit sales model has been a considerable development and in 2010 and 2011 accounted for half of the construction machinery industry credit sales. According to the data of construction machinery finance leasing business by ASD Company, this paper finds that since 2012, a large number of late payments have occurred in this field, until the first half of 2013. The repayment and default of credit sales in the whole construction machinery industry has deteriorated sharply, which has greatly increased the contingent liability risk of the construction machinery manufacturer and affected the survival of the business model. Starting with the business model analysis of ASD Company, this paper analyzes the causes of the overdue situation from the angles of each participant in the business, as well as the macro and micro aspects. According to the situation of the analysis, the paper puts forward some suggestions for the rectification of the business under the existing market environment. In order to improve the business conditions and enhance the business competitiveness, it is necessary to strengthen the implementation of business policies and other measures. Finally, according to their own experience in the industry, the prospect of the business development in China is not optimistic forecast.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F426.4;F832.49

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