一汽汽车金融有限公司财务风险控制研究
发布时间：2018-08-28 12:36
【摘要】：伴随着我国汽车产业的发展，汽车金融也在逐渐发展，并在经济中显示出重要的作用。一汽汽车金融有限公司作为由国内知名汽车企业和银行合作设立的汽车金融公司，它的诞生代表着中国汽车工业发展的一个里程碑，该公司的发展和壮大，对于我国汽车工业向纵深领域发展具有重要意义。该公司的经营水平和管理水平在一定程度上也代表着中国汽车金融的发展水平。对于这样一家企业来说，，其风险控制十分重要，而财务风险是企业各类风险中的核心。该公司应该不断增强自身经营实力，切实提高抵御风险的能力，培养持续增长的盈利能力，树立良好的品牌形象，研究该公司财务风险控制具有重要的战略意义。 财务风险存在于企业经营的各个环节，它的管理与控制对企业的生存和发展至关重要。本文从筹资、投资、资金运营、流动性等各个方面，研究了一汽汽车金融有限公司的财务风险情况，同时从实践角度出发，点检该公司财务风险控制的情况，发现该公司正面临着较高的偿债风险和资产管理风险，同时该公司在盈利能力方面存在潜在的财务风险。究其原因一方面是因为该公司经营策略的调整与市场存在一定程度的脱节，更深层的原因是因为该公司在财务风险的管控上，缺乏必要的制度、流程、人员和监控机制，在公司发展的过程中各方面资源未能有效匹配，致使公司对自身遭遇的财务风险反应不及时。 本文作者通过系统的分析一汽汽车金融有限公司财务风险控制体系中的问题，提出了完善该公司财务风险控制的制度体系和流程体系的建议。具体来说，该公司应进一步完善资金管理工作、预算管理工作等相关工作的制度和工作流程，制定切实可行的操作手册用于指导实际工作。同时建议该公司启动全面预算管理作为手段以加强财务管控力度，另外还为该公司设计了一套财务风险预警指标体系。建议该公司建立财务风险预警机制并根据实际情况定期监测出具报告，帮助该公司进一步完善财务风险管理、加强财务风险控制。 为了能够帮助一汽汽车金融有限公司更好的控制财务风险，建议该公司有计划有步骤的完善其财务风险的管理和控制体系，并建议通过制度保障、人员保障、系统保障等多方面措施，辅之以各种培训和奖惩措施，配给必要的资源和力量，加强财务风险控制能力，同时这也是该公司全面风险管理体系建设的重要组成部分。建议该公司切实做好财务风险的管控工作，加大财务风险控制力度，提升自身抵御各种财务危机的能力，确保经营稳中求进，在中国的汽车金融业树立良好的品牌形象，并推动行业的发展。
[Abstract]:With the development of China's automotive industry, automotive finance is also gradually developing and playing an important role in the economy. FAW Automobile Finance Co., Ltd. as a well-known domestic automotive enterprises and banks established in cooperation with the automotive finance company, its birth represents a milestone in the development of China's automotive industry, the development of the company and It is of great significance for China's automotive industry to grow in depth. To a certain extent, the company's management level and management level also represent the development level of China's automotive finance. It is of great strategic significance to continuously strengthen its own operational strength, effectively improve its ability to resist risks, cultivate its growing profitability, establish a good brand image and study its financial risk control.
Financial risk exists in every link of enterprise operation, and its management and control are very important to the survival and development of enterprise. This paper studies the financial risk of FAW Automobile Finance Co., Ltd. from the aspects of financing, investment, capital operation, liquidity and so on. At the same time, it checks the financial risk control of the company from the practical point of view. It is found that the company is facing higher risk of debt repayment and asset management, and there are potential financial risks in the profitability of the company. Lacking the necessary system, process, personnel and monitoring mechanism, all aspects of the company's development in the process of resources are not effectively matched, resulting in the company's own financial risk response is not timely.
By systematically analyzing the problems in the financial risk control system of FAW Automobile Finance Co., Ltd, the author puts forward some suggestions on perfecting the financial risk control system and process system of the company. At the same time, it is suggested that the company should start comprehensive budget management as a means to strengthen financial control, and a set of financial risk early warning index system is designed for the company. To help the company further improve its financial risk management and strengthen its financial risk control.
In order to help FAW Auto Finance Co., Ltd. to better control financial risks, it is suggested that FAW should improve its financial risk management and control system in a planned and step-by-step manner. It is also suggested that FAW should allocate necessary resources and strength through various measures, such as system guarantee, personnel guarantee, system guarantee, supplemented by various training and reward and punishment measures. It is also an important part of the company's overall risk management system. It is suggested that the company should do a good job in financial risk management and control, strengthen financial risk control, enhance its ability to withstand various financial crises, ensure stable operation, and establish an automobile financial industry in China. Good brand image and promote the development of the industry.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F406.7;F426.471
本文编号：2209420
[Abstract]:With the development of China's automotive industry, automotive finance is also gradually developing and playing an important role in the economy. FAW Automobile Finance Co., Ltd. as a well-known domestic automotive enterprises and banks established in cooperation with the automotive finance company, its birth represents a milestone in the development of China's automotive industry, the development of the company and It is of great significance for China's automotive industry to grow in depth. To a certain extent, the company's management level and management level also represent the development level of China's automotive finance. It is of great strategic significance to continuously strengthen its own operational strength, effectively improve its ability to resist risks, cultivate its growing profitability, establish a good brand image and study its financial risk control.
Financial risk exists in every link of enterprise operation, and its management and control are very important to the survival and development of enterprise. This paper studies the financial risk of FAW Automobile Finance Co., Ltd. from the aspects of financing, investment, capital operation, liquidity and so on. At the same time, it checks the financial risk control of the company from the practical point of view. It is found that the company is facing higher risk of debt repayment and asset management, and there are potential financial risks in the profitability of the company. Lacking the necessary system, process, personnel and monitoring mechanism, all aspects of the company's development in the process of resources are not effectively matched, resulting in the company's own financial risk response is not timely.
By systematically analyzing the problems in the financial risk control system of FAW Automobile Finance Co., Ltd, the author puts forward some suggestions on perfecting the financial risk control system and process system of the company. At the same time, it is suggested that the company should start comprehensive budget management as a means to strengthen financial control, and a set of financial risk early warning index system is designed for the company. To help the company further improve its financial risk management and strengthen its financial risk control.
In order to help FAW Auto Finance Co., Ltd. to better control financial risks, it is suggested that FAW should improve its financial risk management and control system in a planned and step-by-step manner. It is also suggested that FAW should allocate necessary resources and strength through various measures, such as system guarantee, personnel guarantee, system guarantee, supplemented by various training and reward and punishment measures. It is also an important part of the company's overall risk management system. It is suggested that the company should do a good job in financial risk management and control, strengthen financial risk control, enhance its ability to withstand various financial crises, ensure stable operation, and establish an automobile financial industry in China. Good brand image and promote the development of the industry.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F406.7;F426.471
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