融資租賃公司風險評估和管理
發(fā)布時間：2019-02-20 22:04
【摘要】：當前國內(nèi)的融資租賃行業(yè)尚處快速發(fā)展的時期，整體而言亦不成熟，所以融資租賃企業(yè)在業(yè)務開展的過程遭遇的風險也定會愈多愈繁復，對融資租賃企業(yè)的風險評估和管理展開研究具有較強的實踐意義。 本研究在對選題背景、研究目的以及國內(nèi)外相關研究進行闡述的基礎上，詳細介紹了融資租賃及其風險的基本理論概念，融資租賃的功能，融資租賃公司盈利模式以及融資租賃公司的風險類別。并在融資租賃公司風險評價的過程中，對CAMELS評價方法進行了簡述，介紹了CAMELS評價體系在融資租賃公司風險評價中的應用，且選用M融資租賃有限公司2012年的相關數(shù)據(jù)分別從資本充足水平、資產(chǎn)質量、管理水平、獲利水平、資產(chǎn)流動性、對市場上風險的敏感程度以及綜合風險等七個方面對M融資租賃公司進行風險評估案例分析，得出了M融資租賃有限公司的資本充足水平較高，資產(chǎn)質量較好，管理能力較強，盈利能力也比較突出，對市場風險的敏感性比較恰當，但是公司資產(chǎn)流動性偏低。文章通過案例分析，結合我國的具體實情，總結出我國的融資租賃企業(yè)風險管理尚面臨眾多問題，主要包括：風險意識淡薄，相關政策環(huán)境的限制以及風險管理手段落后。并針對這些問題，提出了通過完善融資租賃公司風險管理的外部支持以及內(nèi)部風險管理的相關策略來加強我國融資租賃公司風險管理。 本文以具體實例公司為研究對象，通過使用CAMELS評價體系，進行評測M融資租賃有限公司的各項風險指標，并在此基礎上得出M融資租賃有限公司的風險評價及相關管理策略，具有較強的實踐指導意義。而在運用案例分析法的基礎上，收集并深入了解了M融資租賃有限公司的相關內(nèi)部信息，利用CAMELS評價體系衡量了其對應的風險指標，使本研究更具客觀性和科學性，彌補了前人研究的不足。
[Abstract]:At present, the domestic financial leasing industry is still in a period of rapid development, and the overall situation is not mature. Therefore, the risks encountered by financial leasing enterprises in the process of business development will certainly become more and more complicated. It is of great practical significance to study the risk assessment and management of financial leasing enterprises. On the basis of the background, research purpose and related research at home and abroad, this study introduces the basic theoretical concept of financial lease and its risk, the function of financial lease, The profit model of the financial leasing company and the risk category of the financial leasing company. In the process of risk evaluation of financial leasing company, the paper briefly introduces the method of CAMELS evaluation, and introduces the application of CAMELS evaluation system in risk evaluation of financial leasing company. And select M Financial Leasing Co., Ltd. 2012 related data from the level of capital adequacy, asset quality, management level, profit level, asset liquidity, This paper analyzes the risk assessment of M financial leasing company from seven aspects, such as the sensitivity of risk in the market and the comprehensive risk, and concludes that M financial leasing company has a high level of capital adequacy, good asset quality and strong management ability. Profitability is also more prominent, the sensitivity to market risk is more appropriate, but the company's asset liquidity is low. Through the case analysis and the concrete situation of our country, this paper concludes that the risk management of financial leasing enterprises in our country is still facing many problems, including: weak risk consciousness, the restriction of relevant policy environment and the backwardness of risk management methods. Aiming at these problems, this paper puts forward to strengthen the risk management of financial leasing companies in our country by improving the external support of the risk management of financial leasing companies and the relevant strategies of internal risk management. This article takes the concrete example company as the research object, through uses the CAMELS appraisal system, carries on the appraisal M financing lease limited company each risk index, and on this basis obtains the M finance lease limited company risk appraisal and the correlation management strategy, It has strong practical significance. On the basis of case analysis, this paper collects and deeply understands the internal information of M Financial Lease Co., Ltd., and measures the corresponding risk index by using CAMELS evaluation system, which makes the research more objective and scientific. Make up for the shortcomings of previous studies.
【學位授予單位】：四川師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.39;F272.3
本文編號：2427332
[Abstract]:At present, the domestic financial leasing industry is still in a period of rapid development, and the overall situation is not mature. Therefore, the risks encountered by financial leasing enterprises in the process of business development will certainly become more and more complicated. It is of great practical significance to study the risk assessment and management of financial leasing enterprises. On the basis of the background, research purpose and related research at home and abroad, this study introduces the basic theoretical concept of financial lease and its risk, the function of financial lease, The profit model of the financial leasing company and the risk category of the financial leasing company. In the process of risk evaluation of financial leasing company, the paper briefly introduces the method of CAMELS evaluation, and introduces the application of CAMELS evaluation system in risk evaluation of financial leasing company. And select M Financial Leasing Co., Ltd. 2012 related data from the level of capital adequacy, asset quality, management level, profit level, asset liquidity, This paper analyzes the risk assessment of M financial leasing company from seven aspects, such as the sensitivity of risk in the market and the comprehensive risk, and concludes that M financial leasing company has a high level of capital adequacy, good asset quality and strong management ability. Profitability is also more prominent, the sensitivity to market risk is more appropriate, but the company's asset liquidity is low. Through the case analysis and the concrete situation of our country, this paper concludes that the risk management of financial leasing enterprises in our country is still facing many problems, including: weak risk consciousness, the restriction of relevant policy environment and the backwardness of risk management methods. Aiming at these problems, this paper puts forward to strengthen the risk management of financial leasing companies in our country by improving the external support of the risk management of financial leasing companies and the relevant strategies of internal risk management. This article takes the concrete example company as the research object, through uses the CAMELS appraisal system, carries on the appraisal M financing lease limited company each risk index, and on this basis obtains the M finance lease limited company risk appraisal and the correlation management strategy, It has strong practical significance. On the basis of case analysis, this paper collects and deeply understands the internal information of M Financial Lease Co., Ltd., and measures the corresponding risk index by using CAMELS evaluation system, which makes the research more objective and scientific. Make up for the shortcomings of previous studies.
【學位授予單位】：四川師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.39;F272.3
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，本文編號：2427332
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