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The Research on Credit Risk Management of Bank Financial Leasing Company

Author: DuanRongFei
Tutor: JiangXueJun
School: Dongbei University of Finance
Course: Finance
Keywords: bank financial leasing company credit risk risks management
CLC: F832.49
Type: Master's thesis
Year: 2011
Downloads: 241
Quote: 0
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Abstract


The introduction of <The Regulation of The Financial Leasing Company> in 2007 lead the bank financial leasing company re-boarded the leasing stage after the ten years absence of financial leasing market. The set up of bank financial leasing company, not only conducive to the diversification of the bank itself, improve the comprehensive competitiveness of bank, but also injected new blood to this industry, promote the harmonious development of the financial leasing market. Compared to other rental companies, the bank financial leasing companies have many advantages, but they also face the same problems as other leasing companies—credit risk. Credit risk is not only the risk that involved in the ordinary business of the company, but also the greatest risk that the company faced. It is because as the way the movement of funds, the special nature of financial leasing lies in the combination of financing and financial capital. However, the China’s bank financial leasing companies are newly established, so the identification, control and management of the credit risk that the goods exposed have to be strengthened. Therefore, it is very important to do research on the credit risk of bank financial leasing companies.This article begins with the analysis of financial leasing, introducing the definition of financial leasing and bank financial leasing company, the operation mode of financial leasing (direct lease, sublease, sale-leaseback and leveraged leas,) and the development progress, the function, the problem of the bank financial leasing company. We come to the conclusion that although the set up of the bank financial leasing company is a tonic to China’s leasing market, it also confronts the problems of the narrow source of financing, the missing of credit system and the lacking of risk control. Then, this article analyze the credit risk of the bank financial leasing company, analyzing the causes of credit risk of the company and the problems of the credit risk management, laying foundation for the study of credit risk management. After use the KMV model do empirical analysis on the risk of bank financial leasing company. Finally, this paper propose specific recommendations to improve risk management of bank financial leasing company, including the improving of leasing progress, the establishment of a risk early warning system and innovation leasing products and speeding up the training of financial leasing industry person.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Trust
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