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论文编号：	14830
作者编号：	2120213426
上传时间：	2024/6/19 10:54:23
中文题目：	A融资租赁公司新能源商用车项目财务风险管理改进研究
英文题目：	Research on Financial Risk Management Improvement of New Energy Commercial Vehicles of Finance Leasing Company A
指导老师：	边泓
中文关键字：	融资租赁;新能源商用车;财务风险;风险管理
英文关键字：	Financing lease;New energy commercial vehicles;Financial risk;Risk management
中文摘要：	对于融资租赁公司来说，良好的风险管理能力是做好业务的基本要求。受到行业环境的推动，我国商用车融资租赁也逐渐发展起来，越来越多的融资租赁公司深入开展该类业务。其中，商用车融资租赁租赁在物流行业的需求较大，这是由于我国的物流行业目前呈现出分散和小规模的特点，这使得很多物流公司向银行申请信贷变得更为困难，因此，行业中很多公司更倾向于选择融资租赁方式。但是由于该类业务尚不成熟，仍存在项目失败、被诉讼、不良资产率升高等现象。 在未来，随着新能源汽车行业的不断壮大，其对融资租赁业务的需求会越来越多，在此背景之下，为了避免融资租赁公司不良资产率持续提升，加强资租赁公司业务管理水平，对新能源商用车的融资租赁财务风险管理进行分析和探究就显得尤为重要。因此，如何更有效地避免和预防这些潜在的财务风险成为了当前研究的重点。在行业趋势下，提高融资租赁公司新能源商用车融资租赁项目财务风险管理能力，是提升融资租赁公司竞争力的必要条件。 本文以A融资租赁公司所开展的W新能源商用车项目为例，对A融资租赁公司针对W项目各阶段财务风险管理活动进行改进研究。首先阐述了研究的背景以及其研究的重要性；梳理国内外的研究进展，对已有的相关理论进行归纳总结，并阐明了本研究的主题和所采用的方法。这一部分主要是为了明确文章的核心主题，并为后续的研究工作做好铺垫。之后介绍了相关理论，包括风险管理、融资租赁相关理论知识，以及新能源商用车对公业务融资租赁的特点，为下文的分析提供理论准备和支持。然后介绍了A公司的自身状况、业务板块等，并针对融资租赁公司商用车项目财务风险管理现状进行了梳理。然后为A公司W项目的案例分析，先对W项目进行整体概述，涵盖了业务模式、定价、以及项目的开展情况，分析项目租前、租中、租后各阶段的财务风险管理，为后文提出优化与改进策略做好铺垫。最后是改进建议，提出商用车融资租赁项目财务风险管理的优化策略和完善建议。
英文摘要：	For finance leasing companies, good risk management ability is the basic requirement for doing a good business. Driven by the industry environment, China's commercial vehicle financial leasing has gradually developed, and more and more financial leasing companies have carried out this kind of business. Among them, commercial vehicle finance lease has a greater demand in the logistics industry, which makes it more difficult for many logistics companies to apply for credit from banks. Therefore, many companies in the industry prefer to choose finance lease. However, because this kind of business is not mature, there are still project failure. In the future, with the continuous growth of the new energy vehicle industry, there will be more and more demand for financial leasing business. Therefore, how to avoid and prevent these potential financial risks more effectively has become the focus of current research. Improving the financial risk management ability of financial leasing companies' new energy commercial vehicle financial leasing projects is necessary. This paper takes the W new energy commercial vehicle project carried out by A finance leasing company as an example. Firstly, the background of the study and its importance are expounded. The research progress at home and abroad is sorted out, the existing related theories are summarized, and the theme and method of this study are clarified. After that, relevant theories are introduced, including theoretical knowledge related to risk management and financial leasing, as well as the characteristics of new energy commercial vehicles for public business financial leasing. Then it introduces Company A's own situation and business segments, and sorts out the current situation of financial risk management of commercial vehicle projects of finance leasing companies. Then for the case analysis of W project of Company A. Finally, the paper puts forward the optimization strategy and improvement suggestions.
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