联系我们

论文查询结果	返回搜索

论文编号：	14794
作者编号：	2320213881
上传时间：	2024/6/11 14:11:26
中文题目：	广汽租赁绿色资产证券化风险管理研究
英文题目：	Study on Risk Management of Green Asset Securitization in GAC Leasing
指导老师：	李姝、袁跃华
中文关键字：	绿色资产证券化；风险；风险管理；广汽租赁
英文关键字：	Green asset securitization；risk；risk management；GAC Leasing
中文摘要：	国家为了顺应绿色金融发展的趋势，针对国内债券市场推出了一系列推进绿色债券发展的利好政策，相关政策对于激励整个绿色债券市场的发展起到了非常重要的推动作用，其中一个重要的受益对象就是绿色资产证券化产品，该产品在市场内的发行规模显著提高，整个绿色资产证券化市场呈现出一片欣欣向荣的景象。但是也需要意识到其背后隐含了一系列严峻的经济形势，尤其是在外部制造行业等经济形势日趋恶化的大背景下，对于绿色资产证券化产品的潜在风险进行全面分析和有效管理至关重要，我们可以从多方面入手，加强风险管理，确保绿色资产证券化产品的稳健发展。现阶段国内学术界在涉及绿色资产证券化产品方面的风险管理研究资料非常有限，本文研究工作的开展，一方面能够弥补相关研究领域的空白，另一方面对于促进整个绿色债券市场高质量健康发展具有较显著的现实意义。 本文以广汽租赁2023年第一期绿色资产证券化产品的风险管理过程为分析对象，分析研究了广汽租赁绿色资产证券化存在的风险，对广汽租赁当前的风险管理现状进行说明，经过对广汽租赁绿色资产证券化产品发行过程中风险的分析，发现广汽租赁风险管理过程中存在的问题，并对风险管理提出了具有针对性的优化建议。本文主要首先介绍了案例企业广汽租赁的基本情况、简单分析了广汽租赁的经营状况，对其发行此次产品的动因进行分析，得出广汽租赁绿色资产证券化的必然性。本文采取文献分析法、案例分析法等方法，以风险管理的相关理论为基础，结合广汽租赁公司2023年第一期绿色资产证券化产品发行情况，通过描述广汽租赁绿色资产证券化存在的风险，其中包括信用风险、道德风险、操作风险等，并对企业当前的风险管理现状进行说明，发现广汽租赁风险管理过程中存在基础资产池风险控制能力不足、租后管理方式过于单一、缺乏对信用增级措施的提升管理等风险管理问题的基础上，对风险管理提出了具有针对性的优化建议，从而助力绿色环保企业更好地实施绿色资产证券化这种新型的融资方式。
英文摘要：	In order to comply with the development trend of green finance, the state has launched a series of favorable policies to promote the development of green bonds in the domestic bond market. Relevant policies have played a very important role in stimulating the development of the entire green bond market. One of the important beneficiaries is green asset securitization products, whose issuance scale in the market has increased significantly. The whole green asset securitization market is thriving. However, it is also necessary to realize that a series of severe economic situations are hidden behind it, especially in the context of the deteriorating economic situation of the external manufacturing industry, it is very important to conduct a comprehensive analysis and effective management of the potential risks of green asset securitization products. We can strengthen risk management from various aspects to ensure the steady development of green asset securitization products.At present, domestic academic circles have very limited research materials on risk management related to green asset securitization products. On the one hand, this study can fill the gap in related research fields, and at the same time, it has significant practical significance for promoting the high-quality and healthy development of the whole green bond market. This paper takes the risk management process of the first phase of green asset securitization products of GAC Leasing in 2023 as the analysis object, analyzes and studies the risks existing in the green asset securitization products of GAC Leasing, and explains the current risk management status of GAC Leasing. After analyzing the risks in the issuance process of green asset securitization products of GAC Leasing, The problems existing in the risk management process of GAC Leasing are found, and the relevant optimization suggestions are put forward. This paper first introduces the basic situation of the case company Guangzhou Automobile Leasing, briefly analyzes the operating conditions of Guangzhou Automobile Leasing, analyzes the motivation of its issuance of this product, and concludes the inevitability of green asset securitization of Guangzhou Automobile Leasing. This paper adopts literature analysis, case analysis and other methods, based on the relevant theories of risk management, combined with the issuance of the first phase of green asset securitization products of GAC Leasing in 2023, and describes the risks existing in the green asset securitization of GAC Leasing, including credit risk, moral risk and operational risk. It also explains the current situation of the enterprise's risk management, finds that there are some risk management problems in the process of GAC leasing risk management, such as insufficient risk control ability of the underlying asset pool, too simple post-lease management, and lack of improvement management of credit enhancement measures, and puts forward targeted optimization suggestions for risk management. This will help green enterprises to better implement the new financing method of green asset securitization.
查看全文：	预览  下载(下载需要进行登录)