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论文编号：	12054
作者编号：	2320180313
上传时间：	2020/12/11 10:36:01
中文题目：	疫情冲击下融资租赁企业流动性风险的管理与应对——以A租赁公司为例
英文题目：	The management and response of liquidity risk of financial leasing companies under the impact of the epidemic——Illustrated by the case of Company A
指导老师：	张建勇
中文关键字：	流动性风险；融资租赁；风险管理；新冠疫情
英文关键字：	Liquidity risk; Finance lease; Risk management; COVID-19
中文摘要：	融资租赁这种融资方式已经成为被当下国内外各界看好的融资途径，由于其在优化社会资源配置、促进产业结构升级、缓解投资压力等方面发挥的卓越成效，成为备受追捧的融资方式。但融资租赁公司因业务的特殊性，资产负债存在期限错配的天生劣势，“短资长用”现象较为明显；新冠肺炎疫情以来，许多行业面临了前所未有的经营困境，使融资租赁公司不得不面对流动性风险激增的情况，无论是资产端还是资金端均承受了巨大压力，从而使流动性管理面临更大挑战。 为此，本文借助文献资料法、定性与定量分析法、案例分析法等研究方法，探讨了疫情冲击下融资租赁企业流动性风险的管理与应对。在研究过程中首先界定相关概念，阐述本选题研究的理论基础，主要介绍了融资租赁、流动性风险、融资租赁企业流动性风险计量指标和衡量方法等相关概念和理论；其次，则是介绍了案例A租赁公司的现状，包括其基本情况、组织架构、主要业务模式、流动性风险管理现状等，并分析了疫情背景下A租赁公司流动性风险管理存在的问题；而后对案例A租赁公司进行深入分析，从风险指标计算和压力测试两个方面来探讨新冠疫情对A租赁公司流动性风险带来的影响；最后对疫情冲击下A租赁公司应对流动性风险提出针对性的建议，即首先是要系统地构建A公司的风险应对机制，其次针对企业流动性风险要加强内部管理，强化流动性风险管理意识，完善企业流动性风险管理体系，加强资金计划管理以及注重同行交流，形成风险应对合力等；最后则是应对企业流动性风险的外部建议，相关部门应该协调合作，构建良好的社会信用体系，而监管部门则应该立足融资租赁行业特点及发展现状，放松限制，精准监管。
英文摘要：	Financial leasing, a form of financing, has become an optimistic financing mode both at home and abroad. It has become a popular financing method due to its outstanding effects in optimizing the allocation of social resources, promoting industrial structure upgrade and alleviating investment pressure. However, due to the particularity of business, financial leasing companies have inherent disadvantages of maturity mismatch. The situation of “ Borrow Short Lend Long ” is more obviously. Since the novel coronavirus epidemic, many industries have faced unprecedented operating difficulties which would making financial leasing companies has to face to the sudden liquidity risks, both the asset side and the capital side are under tremendous pressure, which made liquidity management in greater challenges. For this reason, this article used methods such as literature, qualitative and quantitative analysis, case analysis and other research in order to discuss the management and response of liquidity risk of financial leasing companies that under the impact of the epidemic. In the research process, the relevant concepts have defined first, and the theoretical basis of this selected topic research is explained. The relevant concepts and theories such as financial leasing, liquidity risk, financial leasing enterprise liquidity risk measurement indicators and measurement methods are introduced; secondly, it introduced the current situation of the Leasing Company A, including its basic situation, organizational structure, main business model, and current status of liquidity risk management, and analyzed the problems of liquidity risk management of Leasing Company A in the context of the epidemic. Then it conducted an in-depth analysis to explore the impact of the epidemic on the liquidity risk of Company A from risk indicator calculation and stress testing. Finally, under the impact of the epidemic, it proposed Leasing Company A targeted suggestions on how to deal with liquidity risks. First Company A should build a risk response mechanism systematically. Secondly, strengthen internal management of liquidity risk and the awareness of risk management, strengthen capital plan management, and focus on peer exchanges to form a joint risk response network. Finally, it is an external recommendation to deal with corporate liquidity risks. Related departments should coordinate and cooperate to build a healthy social credit system. Meanwhile, the supervisory department should loosen restrictions and supervise accurately base on the characteristics and development status of the financial leasing industry.
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