發(fā)布時間：2018-06-13 22:32

  本文選題：融資租賃 + 風險管理��； 參考：《山東財經(jīng)大學》2014年碩士論文

【摘要】：在西方發(fā)達國家，有一種規(guī)模僅次于銀行貸款的融資方式，那就是融資租賃。從上個世紀70年代開始，在經(jīng)濟全球化的大趨勢下，融資租賃很好地促進了投資以及國際貿易的發(fā)展，表現(xiàn)出了獨特的優(yōu)勢和巨大的發(fā)展?jié)摿�。在我國，融資租賃行業(yè)有30多年的歷史。在20世紀90年代，由于對風險認識的不全面，風險意識較為淡薄，許多融資租賃公司倒閉,因為租金長時間被承租人拖欠。所以，能否有效地預測風險并控制風險、建立健全風險管理體系，就成為了決定我國融資租賃行業(yè)是否能健康和快速發(fā)展的關鍵問題。 本文的核心內容是怎樣有效地對風險進行預測和控制，并通過風險預測和風險控制來保障融資租賃行業(yè)的健康和快速發(fā)展。首先，本文簡述了風險的含義和信息不對稱理論，介紹了融資租賃的風險產生原因，接著從融資租賃公司即出租人的角度，，對其所涉及的各種風險，進行了較全面的分析研究。其次，文章運用傳統(tǒng)CAMELS風險評級方法對融資租賃公司的風險評價體系進行了設計，為我國的融資租賃公司建立風險管理體系提供了理論基礎，并且對渤海租賃股份有限公司的經(jīng)營狀況以及CAMELS體系下的各項風險指標進行了分析。最后，在這些分析的基礎上，從風險分散策略、風險對沖策略、風險轉移策略、風險規(guī)避策略、風險補償策略方面，提出了融資租賃公司防范和控制風險的措施，以保障融資租賃行業(yè)的健康快速發(fā)展。
[Abstract]:In western developed countries, there is a kind of financing mode that is second only to bank loan, that is financing lease. Since the 1970s, under the trend of economic globalization, financial leasing has promoted the development of investment and international trade, showing unique advantages and huge development potential. In our country, financial leasing industry has a history of more than 30 years. In the 1990s, because of the lack of comprehensive understanding of risk, risk awareness is relatively weak, many financial leasing companies close down, because the rent is defaulted by the lessee for a long time. Therefore, whether we can effectively predict and control the risks and establish a sound risk management system has become the key issue to determine the healthy and rapid development of the financial leasing industry in China. The core content of this paper is how to effectively predict and control the risk, and through risk prediction and risk control to ensure the healthy and rapid development of the financial leasing industry. First of all, this paper introduces the meaning of risk and information asymmetry theory, introduces the causes of the risk of financial lease, and then from the perspective of the financial leasing company, the lessor, carries out a more comprehensive analysis and research on the various risks involved in it. Secondly, the paper designs the risk evaluation system of the financial leasing company by using the traditional Camels risk rating method, which provides the theoretical basis for the establishment of the risk management system of the financial leasing company in our country. The operating condition of Bohai Leasing Co., Ltd. And the risk indexes under Camels system are analyzed. Finally, on the basis of these analyses, the paper puts forward the measures to prevent and control the risk of financial leasing companies from the aspects of risk dispersion strategy, risk hedging strategy, risk transfer strategy, risk aversion strategy and risk compensation strategy. In order to ensure the healthy and rapid development of the financial leasing industry.
【學位授予單位】：山東財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.39;F272.3

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本文編號：2015738