本文關(guān)鍵詞：我國融資租賃企業(yè)承租人信用風(fēng)險管理研究　出處：《廣東外語外貿(mào)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 融資租賃 風(fēng)險管理 信用風(fēng)險 模糊綜合評價

【摘要】：融資租賃是集融資與融物、貿(mào)易與技術(shù)更新于一體的新型金融產(chǎn)業(yè)，其本質(zhì)是以融物的形式實現(xiàn)融資的目的，是中小企業(yè)資金的重要來源。由于融資租賃自身的優(yōu)勢，自20世紀(jì)80年代被引入中國后就不斷的發(fā)展，目前正處于快速發(fā)展階段。但由于融資租賃企業(yè)面臨的巨大信用風(fēng)險，阻礙了他們的發(fā)展，甚至影響融資租賃企業(yè)的生存。在這樣的背景下，本文主要研究承租人給企業(yè)所帶來的信用風(fēng)險的識別、評估與相應(yīng)的措施。 融資租賃雖然是作為一種降低風(fēng)險的金融創(chuàng)新工具出現(xiàn)的，但因其本身的特點,以及政策與經(jīng)濟(jì)環(huán)境的日益變化,作為交易主體之一的融資租賃公司必然要面對很多風(fēng)險。由于融資租賃企業(yè)面對主要面對的是承租人，因此。承租人的信用風(fēng)險對企業(yè)影響最大。 因此，本文以“概念——風(fēng)險分析——風(fēng)險識別——建立指標(biāo)體系——實際應(yīng)用”的研究方法對承租人的信用風(fēng)險進(jìn)行較為全面的分析。從融資租賃概念入手、研究融資租賃承面臨承租人所帶的信用風(fēng)險，進(jìn)而確定本文的研究重點--承租人的信用風(fēng)險評估。對承租人的信用風(fēng)險識別是融資租賃企業(yè)對項目進(jìn)行評估的第一個階段，本文通過對承租人道德風(fēng)險角度、財務(wù)狀況、競爭地位角度、合同角度、管理能力、市場風(fēng)險角度六方面對承租人的信用風(fēng)險進(jìn)行識別分析。第二步便是要對信用風(fēng)險進(jìn)行評估與管理，本文在綜合介紹相關(guān)信用風(fēng)險評估模型的基礎(chǔ)上，利用模糊綜合評價法，結(jié)合對承租人信用風(fēng)險識別的各個因素，，設(shè)定相應(yīng)的指標(biāo)體系并確定權(quán)重，并對中國南方航空集團(tuán)公司進(jìn)行案例分析，進(jìn)行定量與定性分析。并針對承租人的信用風(fēng)險，從事前、事中及事后三個階段的信用風(fēng)險管理提出了相應(yīng)的防范措施。
[Abstract]:Financial leasing is a new type of financial industry which integrates finance and finance, trade and technology renewal, and its essence is to realize the purpose of financing in the form of financial goods. It is an important source of funds for small and medium-sized enterprises. Because of the advantages of financial leasing itself, it has been developing continuously since it was introduced into China in 1980s. At present, it is in the stage of rapid development. However, because of the huge credit risk faced by the financial leasing enterprises, it hinders their development and even affects the survival of the financial leasing enterprises. This paper mainly studies the identification, evaluation and corresponding measures of the credit risk brought by the lessee to the enterprise. Although finance lease is a kind of financial innovation tool to reduce risk, but because of its own characteristic, as well as the policy and the economic environment is changing day by day. As one of the main trading bodies, the financial leasing company must face a lot of risks. Because the financial leasing enterprise is facing the lessee, the credit risk of the lessee has the greatest influence on the enterprise. So... In this paper, the concept of risk analysis-risk identification-the establishment of index system-practical application of the research method of lessee credit risk is a more comprehensive analysis, starting with the concept of financial leasing. This paper studies the credit risk of the lessee in the financial lease. Then determine the research focus of this article-the lessee's credit risk assessment. The identification of the lessee's credit risk is the first stage of the financial leasing enterprise to evaluate the project. This article through the lessee moral hazard angle, the financial condition, the competition position angle, the contract angle, the management ability. The second step is to evaluate and manage the credit risk. This paper introduces the relevant credit risk assessment model. Using fuzzy comprehensive evaluation method, combined with the identification of the lessee credit risk factors, set the corresponding index system and determine the weight, and China Southern Airlines Corporation case study. The quantitative and qualitative analysis is carried out, and the corresponding preventive measures are put forward for the credit risk management of the lessee before, during and after the three stages of credit risk management.
【學(xué)位授予單位】：廣東外語外貿(mào)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F275;F832.49

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