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论文编号：	11084
作者编号：	2320170749
上传时间：	2019/12/5 22:03:14
中文题目：	B金融租赁公司信用风险管理研究
英文题目：	A Study on Credit Risk Management of B Financial Leasing Company
指导老师：	陆宇建
中文关键字：	金融租赁；信用风险；风险管理
英文关键字：	Financial leasing；Credit risk；Risk management
中文摘要：	我国金融租赁行业经历了近十年的迅猛发展，在国际市场上的排名和地位也逐渐上升。2017年亚洲地区实际增长率第一的飞跃很大程度得益于中国市场590亿美元的增长。国内租赁行业在公司数量和资产规模等方面都有极大提升。然而近期在整体经济下行、违约事件不断发生的大背景下，行业风险隐患有所暴露。据公开资料统计，2018年债务违约企业中的13家企业，就涉及28家金融租赁公司，数量超过当时全行业66家金租公司的40%。 本文以B金融租赁股份有限公司为案例对象进行金融租赁公司的信用风险研究。首先解释了金融租赁公司的信用风险主要为承租人发生违约未能偿还租金带来损失的可能。其次按照信用风险管理框架的顺序介绍了B公司信用风险管理的现状。之后在金融租赁和风险管理相关理论及研究方法的辅助下，进行了案例分析，发现了B公司在信用风险管理框架内各大项存在的具体问题，比如授权不当、审批权限漏洞、业务结构不合理、准入宽松、信用风险识别疏漏、监测和应对未达预期效果等。在分析了主要问题产生的原因后，针对B公司信用风险管理各模块出现的问题提出了对应的具体建议，包括管理层的权责匹配、业务流程审批权限梳理、调整业务结构和准入限制、关注易忽略的信用风险识别要点、增加信用风险应对和监测有效性的具体措施等等。 本文一方面对实际操作层面的理论应用有所完善，另一方面对全面促进B金融租赁公司未来的健康发展起到积极作用。由于B金融租赁公司是行业内中上游的公司，业务开展比较符合大多数金融租赁公司的情况，有一定的代表性。故而本文对于金融租赁行业其他公司的相关风险防范亦有一定的参考意义。
英文摘要：	China's financial leasing industry has experienced rapid development in the past ten years, and its ranking and status in the international market has gradually increased. The first leap in real growth in Asia in 2017 was largely attributable to the growth of $59 billion in the Chinese market. The domestic leasing industry has greatly improved in terms of the number of companies and the scale of assets. However, in the context of the recent downturn of the overall economy and the continuing occurrence of breaches of contract, the hidden risks of the industry have been exposed. According to public statistics, in 2018, 13 of the debt default enterprises involved 28 Financial Leasing companies, which exceeded 40% of the 66 rental companies in the whole industry at that time. This dissertation takes B Financial Leasing Co., Ltd. as a case to study the credit risk of financial leasing company. First of all, it explains that the credit risk of financial leasing companies is mainly the possibility of loss caused by the lessee's default and failure to pay the rent. Secondly, according to the order of credit risk management framework, this dissertation introduces the current situation of credit risk management of company B. Then, the case analysis is carried out, with the help of the relevant theories and research methods of financial leasing and risk management. Meanwhile, the specific problems of each major item in the credit risk management framework of company B are founded, such as improper authorization, process loopholes, unreasonable business structure, loopholes in approval authority, credit risk identification omissions, monitoring and response not reaching the expected effect, etc. After analyzing the causes of the main problems, this dissertation puts forward the corresponding specific suggestions for the problems of each module of credit risk management of company B, including the rights and responsibilities matching of the management, business process approval authority sorting, adjustment of business structure and access restrictions, attention to easily ignored credit risk identification points, specific measures to increase credit risk response and monitoring effectiveness, etc. On the one hand, the theoretical application at the practical level has been improved in this dissertation, on the other hand, it plays a positive role in promoting the healthy development of B financial leasing company in the future. As B financial leasing company is the upstream companies in the industry, business development is more in line with the situation of most financial leasing companies, and has a certain degree of representativeness. Therefore, this dissertation has a certain reference significance for other companies in the financial leasing industry to prevent credit risks.
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