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论文编号：	11360
作者编号：	2320170669
上传时间：	2019/12/12 21:49:10
中文题目：	融资租赁公司民办高校融资项目风险管理研究--以YD公司为例
英文题目：	Research on Risk Management of Financing Project in Private Colleges and Universities of Finance Leasing Company：Take YD Company as an example
指导老师：	于仲鸣
中文关键字：	融资租赁；民办高校；风险管理
英文关键字：	Financial leasing; Private colleges and universities; Risk management
中文摘要：	民办高校客户具有景气度高、风险较低的行业特点，是融资租赁公司重点开拓的业务领域之一。民办高校除具有一定的公益属性外，还具有典型的民营企业特点，经营风险、财务风险、市场风险等各种风险同样不可小视。如何识别和评估民办高校融资项目的各类风险及如何有效应对是需要仔细研究的问题。融资租赁公司民办高校融资项目风险管理研究对融资租赁公司识别和应对民办高校客户的风险具有很强的现实意义和借鉴意义。 影响民办高校融资项目风险的不确定性因素太多，因此民办高校融资项目的风险管理研究是个系统工程。论文的研究意义和目的明确之后，本文运用现场调查法、财务报表分析法、风险清单等风险识别的方法，对民办高校融资风险的风险因素进行识别。本文利用定量和定性相结合的方法并主要围绕民办高校的还款能力、还款意愿以及合规性的评估维度对民办高校融资项目的风险进行分析。本文通过风险矩阵和专家法等方法对已经识别的风险进行风险等级分析，并确立了风险优先级。根据民办高校融资项目风险发生的可能以及损失的严重程度，制定了接受、分散、降低、回避的风险应对策略以及具体的应对措施。本文还分析阐述了风险管理监督的机制、方法、内容等，通过监督风险不断识别和评估风险管理的全面性及应对措施的有效性并及时加以纠正。同时，从组织人员、管理信息系统、制度文化三方面提出了民办高校融资项目风险管理的保障措施。最后运用民办高校融资项目风险管理研究的方法和结论对YD公司RW学院融资项目的实际案例进行了分析阐述。 本文将民办高校的风险特征和融资租赁的风险管理特点相结合，全面系统的对民办高校融资项目的风险管理进行了较为深入的研究，观点上具有一定的创新性。同时，本文以项目风险管理理论为主要理论基础，与金融领域的风险评级、风险计量及评价等理论相结合进行了研究，在研究方法上也具有一定的创新性。
英文摘要：	Private college customers have the characteristics of high prosperity and low risk, which is one of the key business areas of financial leasing companies. Private colleges and universities not only have certain public welfare attributes, but also have typical characteristics of private enterprises. Business risk, financial risk, market risk and other risks can not be ignored. How to identify and evaluate the various risks of private university financing projects and how to deal with them effectively are the problems that need to be studied carefully. The research on risk management of private university financing project of financial leasing company has a strong practical significance and reference significance for financial leasing company to identify and respond to the risk of private university customers. There are too many uncertain factors that affect the risk of private university financing project, so the research on risk management of private university financing project is a systematic project. After the significance and purpose of the research are clear, this paper uses the methods of risk identification, such as on-site investigation, financial statement analysis and risk list, to identify the risk factors of financing risk of private colleges and universities. This paper analyzes the risk of financing projects of private colleges and universities by combining quantitative and qualitative methods and focusing on the repayment ability, repayment willingness and compliance evaluation dimensions. This paper analyzes the identified risks by risk matrix and expert method, and establishes the risk priority. According to the possibility of the risk and the severity of the loss of the financing project of private colleges and universities, the risk response strategies of acceptance, decentralization, reduction and avoidance as well as the specific response measures are formulated. This paper also analyzes and expounds the mechanism, method and content of risk management supervision, and constantly identifies and evaluates the comprehensiveness of risk management and the effectiveness of response measures through supervision risks and corrects them in time. At the same time, from the organizational personnel, management information system and system culture, the paper puts forward the guarantee measures for the risk management of private university financing projects. At last, it analyzes and expounds the actual case of the financing project of RW College of YD company by using the methods and conclusions of the research on the risk management of the financing project of private colleges and universities. This paper combines the risk characteristics of private colleges with the risk management characteristics of financial leasing, comprehensively and systematically studies the risk management of private colleges and universities' financing projects, which has a certain degree of innovation. At the same time, this paper takes the theory of project risk management as the main theoretical basis, combines with the theory of risk rating, risk measurement and evaluation in the financial field, and has some innovation in research methods.
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