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论文编号：	10689
作者编号：	2120162902
上传时间：	2018/12/8 18:14:43
中文题目：	融资租赁公司风险管理研究 ——以A公司为例
英文题目：	Research on the Risk Management of Financial Leasing Company——Take A Company as an Example
指导老师：	周晓苏
中文关键字：	融资租赁企业;风险管理;风险偏好
英文关键字：	finance leasing enterprise; Risk management; Risk appetite
中文摘要：	改革开放以来，我国在借鉴国外发展经验的基础上引进了融资租赁并取得了迅速发展，截至2017年末，我国融资租赁企业总数已超8000家，租赁资产规模超过4.8万亿。近年来随着我国深化供给侧结构性改革以及“三大攻坚战”防控金融风险等相关宏观经济政策的出台，国内企业信用风险集中爆发，融资租赁行业所暴露出来的风险也相应随之增加。2018年4月融资租赁等类金融行业的监管部门由中华人民共和国商务部变为中国银行保险监督管理委员会之后，相关行业监管部门便开始密集对融资租赁行业进行集中摸底调研，并酝酿出台新的行业监管政策。 2016年7月银监会制定的《银行业金融机构全面风险管理指引》开始实施，对国内银行风险偏好管理提出了明确的监管要求，良好的风险偏好体系体现管理层发展战略选择、发展愿景使命、发展价值导向和愿意承受的风险程度。风险偏好的有效实施和应用，为探索收益、资本与风险相平衡的决策途径，也促进风险管理模式从风险防范向主动风险管理转型。 本文以融资租赁企业风险偏好体系建设为切入点，通过分析行业内领先的拟上市融资租赁公司A，对其现行的风险偏好管理体系的进行分析和评价，剖析现行管理体系下存在的问题，并有针对性的提出具有现实可操作性的改进措施。同时能够为融资租赁行业内其他企业的风险偏好管理体系建设以及相关行业监管部门制定监管政策提供一定的参考。
英文摘要：	Since the reform and opening up, China has introduced financial leasing on the basis of foreign development experience and achieved rapid development. By the end of 2017, the total number of financial leasing enterprises in China has exceeded 8000, with the scale of leasing assets exceeding 4.8 trillion. In recent years, with the continuous expansion of the asset scale of China's financial leasing industry and the changes in the domestic and foreign macroeconomic environment, the risks exposed by the industry also increase accordingly. After the supervision power of financial industries such as financial leasing was transferred from the ministry of commerce to the circ in April 2018, the circ began to conduct intensive investigation on the industry and planned to introduce new regulations on the industry. In July 2016, the comprehensive risk management guidelines for banking financial institutions issued by the CBRC began to be implemented, which set clear regulatory requirements for the risk preference management of Banks. A good risk preference system reflects the management's choice of development strategy, development vision and mission, development value orientation and risk tolerance. The effective implementation and application of risk preference, in order to explore the decision-making way of income, capital and risk balance, also promotes the risk management model to transform from risk prevention to active risk management. Taking the risk preference system construction of financial leasing enterprises as the entry point, this paper analyzes and evaluates the risk preference system construction and management of leading listed financial leasing company A in the industry, and proposes feasible improvement measures. At the same time, it can provide certain reference for the construction of risk preference system of finance leasing enterprises and the establishment of industrial regulatory policies by relevant departments.
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