第三方融资租赁公司业务创新与风险控制研究
发布时间：2019-02-19 19:01
【摘要】：在国际金融市场,融资租赁是除了银行信贷以外最大的资本提供机构,而我国融资租赁业开展近三十多年(1981年-至今)却仍停留在业务发展初期阶段。近年来融资租赁业的蓬勃发展,特别是2013年第三方融资租赁机构数量呈现爆发性增长(由2012年的560家增加到1026家)说明了国内经济发展对资金技术的需求日益加大。第三方融资租赁公司作为行业特点最为鲜明的融资租赁服务机构,其发展对融资租赁行业影响巨大,甚至可以认为其决定了融资租赁行业在中国的渗透率。第三方融资租赁公司目前的发展存在很多问题,在资金、市场和专业化水平上都处于劣势,与同行业其他类型(银行系、厂商系)融资租赁公司之间也存在着较大的差距。为了寻求更好的发展,第三方融资租赁公司要积极推动业务创新工作,按照从实际出发、依法创新、长远规划的原则,寻求解决问题的途径和合作伙伴,修炼企业内部管理。在文章中我们通过资金渠道拓展、客户群体多元化、专业化建设和业务流程改造来实现第三方融资租赁公司的业务创新。资金渠道创新上主要是与资本市场相结合,只有资本市场才能提供适合融资租赁项目开展的长期稳定资金。客户群体多元化主要是希望第三方融资租赁公司改变现有的依靠利差盈利的模式,寻找合适的客户群体发展成为集金融、贸易、服务为一体的专业化机构。业务创新不仅要有外部拓展还需要内部支撑,因此我们把专业属性建设和业务流程改造也作为创新的一个部分,通过内外结合补充完善第三方融资租赁公司新的业务模式以适应新的竞争和挑战。业务创新的过程中出现了新的合作伙伴,引进了新的人员,拥有了新的物权,增加了新的业务程序,第三方融资租赁公司要充分认识到创新过程中风险的存在并加以控制。本文依据风险管理相关理论,结合实际工作的开展,通过明确风险存在的具体环节,分析风险形成的机理,将风险规避、风险转移、风险防范等风险控制手段落实到业务创新的各个环节,希望通过研究把第三方融资租赁公司在业务创新中产生的风险降到最低。本文希望通过业务创新和风险控制相结合的研究,真正做到从实际出发针对具体问题具体分析。以为第三方融资租赁公司提供企业发展的具体战略作为论文的核心指导思想,结合MBA的理论知识运用金融工具和金融风险管理学知识,为第三方融资租赁公司的长远发展提供切实可行的帮助。
[Abstract]:In the international financial market, financial leasing is the largest capital provider in addition to bank credit. However, the finance leasing industry in China is still in the initial stage of business development for more than 30 years (1981-present). The booming financial leasing industry in recent years, especially the explosive growth in the number of third-party financial leasing institutions in 2013 (from 560 in 2012 to 1026), illustrates the growing demand for financial technology in the domestic economy. As the most distinctive financial leasing service organization, the development of third-party financial leasing companies has a great impact on the financial leasing industry, and it can even be considered that it determines the penetration of the financial leasing industry in China. There are many problems in the development of third-party financial leasing companies at present. They are all at a disadvantage in capital, market and specialization level, and there is also a big gap between them and other types of financial leasing companies in the same industry (bank department, firm department). In order to seek better development, third-party financial leasing companies should actively promote business innovation, according to the principle of practical, legal innovation and long-term planning, seek ways and partners to solve the problems, and train the internal management of enterprises. In this paper, we realize the business innovation of the third party financial leasing company through the expansion of the capital channel, the diversification of the customer group, the specialized construction and the business process transformation. Capital channel innovation is mainly combined with the capital market, only the capital market can provide long-term stable funds suitable for financing leasing projects. It is hoped that the third party financial leasing company will change the existing profit model of interest margin and find a suitable customer group to develop into a specialized institution which integrates finance, trade and service. Business innovation needs not only external expansion but also internal support. Therefore, we also regard professional attribute building and business process transformation as a part of innovation. In order to adapt to the new competition and challenge, the new business model of the third party financial leasing company is improved through the combination of internal and external. In the process of business innovation, new partners have appeared, new personnel have been introduced, new real right has been acquired, and new business procedures have been added. Third party financial leasing companies should fully realize the existence of risks in the process of innovation and control them. According to the theory of risk management and the development of practical work, this paper analyzes the mechanism of risk formation by making clear the concrete link of risk, and transfers the risk to avoid and transfer the risk. Risk control means such as risk prevention and so on are implemented to every link of business innovation, hoping to reduce the risk of third-party financial leasing company in business innovation to the minimum through the research. This paper hopes that through the combination of business innovation and risk control, we can really analyze the specific problems from the practical point of view. The core guiding ideology of the thesis is to provide the specific strategy of the enterprise development for the third party financial leasing company. Combining with the theory knowledge of MBA, the paper applies financial instruments and financial risk management knowledge. To provide practical and practical assistance for the long-term development of third-party financial leasing companies.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39
本文编号：2426771
[Abstract]:In the international financial market, financial leasing is the largest capital provider in addition to bank credit. However, the finance leasing industry in China is still in the initial stage of business development for more than 30 years (1981-present). The booming financial leasing industry in recent years, especially the explosive growth in the number of third-party financial leasing institutions in 2013 (from 560 in 2012 to 1026), illustrates the growing demand for financial technology in the domestic economy. As the most distinctive financial leasing service organization, the development of third-party financial leasing companies has a great impact on the financial leasing industry, and it can even be considered that it determines the penetration of the financial leasing industry in China. There are many problems in the development of third-party financial leasing companies at present. They are all at a disadvantage in capital, market and specialization level, and there is also a big gap between them and other types of financial leasing companies in the same industry (bank department, firm department). In order to seek better development, third-party financial leasing companies should actively promote business innovation, according to the principle of practical, legal innovation and long-term planning, seek ways and partners to solve the problems, and train the internal management of enterprises. In this paper, we realize the business innovation of the third party financial leasing company through the expansion of the capital channel, the diversification of the customer group, the specialized construction and the business process transformation. Capital channel innovation is mainly combined with the capital market, only the capital market can provide long-term stable funds suitable for financing leasing projects. It is hoped that the third party financial leasing company will change the existing profit model of interest margin and find a suitable customer group to develop into a specialized institution which integrates finance, trade and service. Business innovation needs not only external expansion but also internal support. Therefore, we also regard professional attribute building and business process transformation as a part of innovation. In order to adapt to the new competition and challenge, the new business model of the third party financial leasing company is improved through the combination of internal and external. In the process of business innovation, new partners have appeared, new personnel have been introduced, new real right has been acquired, and new business procedures have been added. Third party financial leasing companies should fully realize the existence of risks in the process of innovation and control them. According to the theory of risk management and the development of practical work, this paper analyzes the mechanism of risk formation by making clear the concrete link of risk, and transfers the risk to avoid and transfer the risk. Risk control means such as risk prevention and so on are implemented to every link of business innovation, hoping to reduce the risk of third-party financial leasing company in business innovation to the minimum through the research. This paper hopes that through the combination of business innovation and risk control, we can really analyze the specific problems from the practical point of view. The core guiding ideology of the thesis is to provide the specific strategy of the enterprise development for the third party financial leasing company. Combining with the theory knowledge of MBA, the paper applies financial instruments and financial risk management knowledge. To provide practical and practical assistance for the long-term development of third-party financial leasing companies.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39
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相关硕士学位论文 前4条
1 吴良强;装备制造企业融资租赁决策分析与业务创新研究[D];太原科技大学;2013年
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