联系我们

论文查询结果	返回搜索

论文编号：	10584
作者编号：	2120163081
上传时间：	2018/12/7 9:41:53
中文题目：	汽车融资租赁公司风险管理研究
英文题目：	Research on Risk Management of Automobile Finance Leasing Company
指导老师：	张继勋
中文关键字：	融资租赁；风险评估；操作风险；信用风险；风险管控
英文关键字：	financial leasing; risk assessment; operational risk; credit risk; risk management and control
中文摘要：	近年来，随着经济的发展和消费水平的不断提高，汽车成为家庭的必备，汽车销售行业发展迅速，而汽车销售行业的市场竞争也日益激烈。汽车融资租赁公司的业务也呈现蓬勃发展的势头，HTJH汽车融资租赁公司就是其中之一。但是，由于各种限制性因素的存在，HTJH汽车融资租赁公司业务开展的过程中总是面临各种风险。 本文以风险管控理论为基础，集合HTJH汽车融资租赁公司风险管控的现状进行分析，对其融资租赁的流程、体系进行了分析，总结其风险管控工作中存在的问题。论文对HTJH汽车融资租赁公司面临的信用风险和操作风险展开着重分析，并从内外部方面探究两种风险出现的原因，在此基础上提出了相应的预防性策略。对于操作风险来说，公司要优化内部风险管控环境、要完善审计监督机制、加强人才培养和重视信息技术应用，保证操作流程合理、高效；对于信用风险来说，公司要积极构建租前信用评估机制、租中保障机制和租后客户质量评价与预警机制，保证业务进行过程中各方的利益不受到影响。除此之外，本文还指出，HTJH汽车融资租赁公司要加强全过程风险管控工作，就要加强文化建设和制度建设，为风险管控工作的开展提供重要的保障。本文对汽车融资租赁公司风险管控工作的研究能够为未来相关方面的工作提供重要的借鉴。
英文摘要：	In recent years, with the development of economy and the continuous improvement of consumption level, automobile has become a necessary part of the family. The automobile sales industry has developed rapidly, and the market competition in the automobile sales industry has become increasingly fierce. The automobile financing leasing company's business also presents the vigorous development momentum, HTJH automobile financing leasing company is one of them. However, due to the existence of various restrictive factors, HTJH automobile financing leasing company always faces various risks in the process of business development. Based on risk control theory, this paper analyzes the current situation of risk management and control of HTJH automobile financial leasing company, analyzes the process and system of its financial leasing, and summarizes the existing problems in its risk management and control work. This paper focuses on the credit risk and operational risk faced by HTJH automobile financing leasing company, and explores the causes of the two risks from both internal and external aspects, and then puts forward corresponding preventive strategies. For operational risk, the company should optimize the internal risk management and control environment, improve the audit and supervision mechanism, strengthen personnel training and attach importance to the application of information technology to ensure that the operation process is reasonable and efficient; for credit risk, the company should actively build pre-rental credit evaluation mechanism, rental guarantee mechanism and customer quality after rent and valuation and early warning mechanism to ensure that the interests of all parties in the course of business are not affected. In addition, the paper also pointed out that HTJH automobile financing leasing company to strengthen the whole process of risk management and control work, it is necessary to strengthen cultural and institutional construction, to provide an important guarantee for risk management and control work. The research on the risk management and control of automobile financial leasing company in this paper can provide an important reference for future related work.
查看全文：	预览  下载(下载需要进行登录)