汽车融资租赁业务的风险管理研究

Research on Risk Management of Auto Financing Lease

随着国际市场的逐步稳定,我国汽车租赁市场也在逐步升温。本文通过对我国汽车融资租赁业的发展和风险管理现状的分析,找出汽车融资租赁业风险管理中存在的问题,并分析其原因。本文从融资租赁业务的实际出发,提出融资租赁风险管理的对策和改进方案,从企业责任追究、专业人才培养、优化信用风险控制等方面提出改进方案,以提高企业的抗风险能力,使企业得到更好的发展。

With the gradual stability of the international market,car rental market in our country is also heating up.Having analyzed the development and risk management of the auto financing lease industry in our country,we find out the problems in the risk management of the industry and explore their reasons.In this paper,we put forward,based on the reality of financing lease business,the countermeasures and improvement schemes of risk management of financial lease,including enterprise accountability,training professional personnel,and optimizing the credit risk control,whose purpose is to improve enterprises′ability to resist risks and to make them obtain better development.