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论文编号：	12208
作者编号：	2320180305
上传时间：	2020/12/15 10:24:03
中文题目：	HQ国际融资租赁公司全面风险管理研究
英文题目：	Research on Comprehensive Risk Management of HQ International Financial Leasing Company
指导老师：	齐善鸿
中文关键字：	融资租赁；风险管理；全面风险管理体系；企业风险管理框架
英文关键字：	financial leasing; risk management; comprehensive risk management system; enterprise risk management framework
中文摘要：	融资租赁业在中国经历了近四十年的发展，目前企业数量已突破1万家。行业的发展对我国的实体经济快速发展提供了很大帮助，对于产业结构调整以及科学技术升级等社会生活的方方面面也都有着更为积极的意义。但同时，各种各样的风险也逐渐浮现出来，再加上现在行业监管越来越严格，未来行业内大量的空壳公司以及运营质量低下的公司会被市场淘汰。所以深入研究融资租赁行业的风险管理显得尤为重要。 本文以HQ国际融资租赁有限公司（以下简称HQ公司）为例，对行业的特点和管理模式进行了分析，具体则主要使用《企业风险管理框架》以及《中央企业全面风险管理指引》作为理论工具，使用可以收集到的全部HQ公司的资料，分析判断ＨQ公司在风险管理工作中存在的缺陷，然后有针对性的给出解决方案，也希望本文的研究能对行业内的其他一些公司起到积极的参考作用，用以降低企业运营风险，提高企业运营收益，进而促进整个行业健康稳定发展。 通过对HQ公司进行深入的研究，揭示其有待解决的主要问题，并对有待解决的问题，制定适用于HQ公司的解决方案：制定符合公司情况的个性化公司战略；设立审计部和资产管理部；与客户建立高级别的沟通联系机制，制定符合自身风险偏好的工作流程并培训员工，不断提升员工专业能力和职业素养；加强企业文化宣传和职业道德督导，树立劳动模范形象和标杆，引导员工正确的价值观和道德观；稳定管理层，不断引入外部专业人才以及鼓励内部人才专业技能提升（学历深造和考取证书），并积极同外部专业机构（律所、会计师事务所、评级机构、资产评估机构等）以及同行交流经验，稳定兑现绩效奖金，并建立横向和纵向多维度的完善的考核方案；全面梳理现行法律法规，将其分为确定性和不确定性两种，并分别制定应对措施；与政府机构建立密切的联系沟通机制，积极掌握政策动向并与客户共同分担政策影响；与公司所在地司法机关建立良好密切的沟通机制，并积极了解司法体制改革和法律条文解读消息，为公司提供实时的参考；积极接入央行征信系统，并建立完善的风险预警机制，提早发现风险提早处置等等。
英文摘要：	The financial leasing industry has experienced nearly 40 years of development in China. At present, the number of enterprises has exceeded 10,000. The development of the industry has provided great help to the rapid development of China's real economy, and it has a more positive significance for all aspects of social life, such as industrial structure adjustment and scientific and technological upgrading. But at the same time, various risks have gradually emerged, and now that industry regulations are becoming stricter, a large number of shell companies in the industry and companies with poor operating quality will be eliminated by the market. Therefore, it is very important to deeply study the risk management of the financial leasing industry. This article takes HQ International Financial Leasing Co., Ltd. (hereinafter referred to as HQ Company) as an example to analyze the characteristics and management mode of the industry. Specifically, it mainly uses "Enterprise Risk Management Framework" and "Central Enterprise Comprehensive Risk Management Guidelines" as theoretical tools , Use all the data that can be collected by HQ company, analyze and judge the defects of HQ company in risk management work, and then give a targeted solution, and hope that the research in this article can play a role The positive reference role is used to reduce the operational risk of the enterprise and increase the operating income of the enterprise, thereby promoting the healthy and stable development of the entire industry. Through in-depth research on HQ company, it revealed the main problems to be solved. For the problems to be solved, formulate solutions suitable for HQ companies: develop a personalized company strategy that meets the company's situation; establish an audit department and asset management department; establish a high-level communication and contact mechanism with customers to develop work that meets their risk preferences Process and train employees to continuously improve their professional capabilities and professional qualities; strengthen corporate culture publicity and professional ethics supervision, establish a model image and benchmark of labor, guide employees to the correct values and ethics; stabilize management, continuously introduce external professionals and encourage Internal talents' professional skills improvement (education and certification), and actively exchange experience with external professional institutions (law firms, accounting firms, rating agencies, asset evaluation agencies, etc.) and peers, steadily cash performance bonuses, and establish horizontal and vertical Multi-dimensional perfect assessment plan; comprehensively sort out the current laws and regulations, divide them into two types of certainty and uncertainty, and formulate corresponding measures; establish a close contact and communication mechanism with government agencies to actively grasp policy trends and communicate with customers Shared government Impact; establish a good and close communication mechanism with the judicial authority where the company is located, and actively understand the reform of the judicial system and the interpretation of legal provisions to provide real-time reference for the company; actively access the central bank credit information system, and establish a comprehensive risk early warning mechanism, early Identify risks early and deal with them .
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