金融租赁的风险控制体系研究

A Study of the Risk Control System of Financial Leasing

金融租赁企业的全面风险管理体系应以资产价值管理为核心,以租赁物、承租人和交易结构三个维度为基础。金融租赁公司要利用"三个维度"相互制衡、相互抵补的性质,通过组合搭配缓释各类风险因素,从而实现价值管理的核心目标;要逐步构建并不断完善自身的全面风险管理体系,包括风险控制的组织架构设计、客户评级与授信、资产投向政策、审查审议机制、险预警管理、不良资产处置和内部控制等。

The comprehensive risk management system of a financial leasing firm should focus on asset value management and be based on three dimensions,lease object,lessee and transaction structure.Financial leasing firms should take advantage of the characteristics,mutual restriction and mutual support,of the three dimensions,and combine the factors to reduce all risks to reach the core goal of value management;it's needed to build their own systems of comprehensive risk management step by step and improve the systems constantly,including the organization design of risk control,customer ratings and credit,policy of asset investment,examining mechanism,risk warning management,dispose of non-performing loans,internal control,etc.