RT融资租赁公司风险管理研究

发布时间：2018-01-17 16:24

本文关键词：RT融资租赁公司风险管理研究　出处：《天津商业大学》2014年硕士论文　论文类型：学位论文

【摘要】：自融资租赁诞生以来，就以其兼具融资融物于一体的优势而受到世界各国各行业的推崇。融资租赁将金融与贸易紧密的连接到一起，为企业解决资金困难的同时，又为制造业打开了销路，间接地带动了金融业的发展，融资租赁成为了许多国家资源配置的重要方式，日益受到人们的重视，在经济发展中发挥着越来越重要的作用。在我国，融资租赁业不算是新兴行业，早在1981年的中国东方融资租赁有限公司，是我国的第一家融资租赁公司，但由于当时自身业务操作不规范、风险控制体系不完整、相关法律不健全、监管力度不够严格等原因，导致了企业财务日益恶化、纷纷停业整顿的现象，融资租赁行业发展在我国过程历经波折。最终在近几年市场的需求、政府的鼓励下，借助地区优势，而重新得到了迅速的发展，如今，融资租赁在天津、北京、上海等地区发展势头迅猛，而融资租赁已经成为各个行业企业拓宽融资渠道、更新技术产品、以及促进产品销售的有力手段之一。中国融资租赁行业的发展告诉我们，由于交易环境、交易关系等多重原因的不确定性会给融资租赁业务当事人带来利益损失的风险，因此对风险的防范是融资租赁公司发展业务过程中的重中之重。而由于融资租赁集融资融资于一体的复杂性，其所涉及的范围广，对环境变化、政策变化具有敏感性，因此如何识别、预防、控制融资租赁业务风险成为了融资租赁企业时刻关注、常抓不懈的问题。 RT融资租赁公司是天津的一家融资租赁公司，也是注册资本位列天津地区第二的大型融资租赁公司，在国内融资租赁行业中居于领军地位，有着自身独到的应对风险的体系和制度。自2007年成立至今，其业务不断发展，公司逐步壮大，积累了丰富的防范融资租赁业务风险的经验，但与此同时，，随着社会环境和经济形势的不断变化，融资租赁业务交易的复杂性和多样性，RT融资租赁公司在经营过程中仍然不可避免的遇到一些风险的困扰。本文通过六个方面对融资租赁风险及针对RT融资租赁公司的风险进行了详细阐述，分析和研究。第一部分是概述背景、意义、国内外研究现状；第二部分是针对融资租赁及其风险进行理论上的概述；第三部分是RT融资租赁公司基本情况及业务情况的介绍；第四部分是RT融资租赁公司风险现状及存在问题的详述；第五部分针对RT融资租赁公司现存风险所提出的解决方案；第六部分是结论。本文站在出租人RT融资租赁公司的角度,对融资租赁业务风险管理进行了系统分析与思考,希望通过本文的研究,为RT融资租赁公司融资租赁业务风险管理提供有益借鉴.
[Abstract]:Since the birth of financial leasing, it has been praised by various industries in the world because of its advantages of both financing and financial integration. Financial leasing is closely linked to finance and trade. At the same time, it has opened up the market for the manufacturing industry and indirectly promoted the development of the financial industry. Financial leasing has become an important way of resource allocation in many countries, and has been paid more and more attention to. Play a more and more important role in economic development. In our country, financing leasing industry is not a new industry. As early as 1981, China Oriental Financial Leasing Co., Ltd. is the first financial leasing company in China, but because of its own business operation is not standard. The risk control system is not complete, the relevant laws are not perfect, and the supervision is not strict enough, which leads to the worsening of enterprise finance and the closure of business. The development of financial leasing industry in China has experienced twists and turns. Finally, in recent years, the market demand, the encouragement of the government, with the help of regional advantages, and re-rapid development, now, financial leasing in Tianjin, Beijing. Shanghai and other regions are developing rapidly, and financial leasing has become one of the powerful means for enterprises in various industries to broaden financing channels, update technical products and promote product sales. The development of financial leasing industry in China tells us that the uncertainty of many reasons such as trading environment and trading relationship will bring the risk of loss of interest to the parties of financial leasing business. Therefore, risk prevention is the most important in the development process of financial leasing companies. However, because of the complexity of financing, financial leasing involves a wide range of environmental changes. Policy change is sensitive, so how to identify, prevent and control the risk of financial leasing business has become a constant concern of financial leasing enterprises. RT financial leasing company is a financial leasing company in Tianjin. It is also the second largest financial leasing company with registered capital in Tianjin. It is the leading company in the domestic financial leasing industry. It has its own unique system and system to deal with risks. Since its establishment in 2007, its business has continued to develop, the company has gradually grown, accumulated a wealth of experience in preventing the risk of financial leasing business, but at the same time. With the continuous changes of social environment and economic situation, the complexity and diversity of financial leasing business transaction is still unavoidable for RT financial leasing companies to encounter some risks in the process of operation. In this paper, the risk of financial lease and the risk of RT financial leasing company are elaborated, analyzed and studied in six aspects. The first part is an overview of the background, significance, domestic and foreign research status; The second part is a theoretical overview of financial leasing and its risks; The third part is the introduction of the basic situation and business situation of RT financial leasing company. Part 4th is a detailed description of the risk situation and existing problems of RT financial leasing company. Part 5th proposes solutions to the existing risks of RT financial leasing companies; Part 6th is the conclusion. This article stands in the lessor RT financial leasing company's angle, has carried on the systematic analysis and the ponder to the finance lease business risk management, hoped through this article research. For RT financial leasing company financial leasing business risk management to provide useful reference.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272.3;F832.39

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