本文關(guān)鍵詞：RT融資租賃公司風(fēng)險管理研究　出處：《天津商業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：自融資租賃誕生以來，就以其兼具融資融物于一體的優(yōu)勢而受到世界各國各行業(yè)的推崇。融資租賃將金融與貿(mào)易緊密的連接到一起，為企業(yè)解決資金困難的同時，又為制造業(yè)打開了銷路，間接地帶動了金融業(yè)的發(fā)展，融資租賃成為了許多國家資源配置的重要方式，日益受到人們的重視，在經(jīng)濟(jì)發(fā)展中發(fā)揮著越來越重要的作用。 在我國，融資租賃業(yè)不算是新興行業(yè)，早在1981年的中國東方融資租賃有限公司，是我國的第一家融資租賃公司，但由于當(dāng)時自身業(yè)務(wù)操作不規(guī)范、風(fēng)險控制體系不完整、相關(guān)法律不健全、監(jiān)管力度不夠嚴(yán)格等原因，導(dǎo)致了企業(yè)財務(wù)日益惡化、紛紛停業(yè)整頓的現(xiàn)象，融資租賃行業(yè)發(fā)展在我國過程歷經(jīng)波折。最終在近幾年市場的需求、政府的鼓勵下，借助地區(qū)優(yōu)勢，而重新得到了迅速的發(fā)展，如今，融資租賃在天津、北京、上海等地區(qū)發(fā)展勢頭迅猛，而融資租賃已經(jīng)成為各個行業(yè)企業(yè)拓寬融資渠道、更新技術(shù)產(chǎn)品、以及促進(jìn)產(chǎn)品銷售的有力手段之一。 中國融資租賃行業(yè)的發(fā)展告訴我們，由于交易環(huán)境、交易關(guān)系等多重原因的不確定性會給融資租賃業(yè)務(wù)當(dāng)事人帶來利益損失的風(fēng)險，因此對風(fēng)險的防范是融資租賃公司發(fā)展業(yè)務(wù)過程中的重中之重。而由于融資租賃集融資融資于一體的復(fù)雜性，其所涉及的范圍廣，對環(huán)境變化、政策變化具有敏感性，因此如何識別、預(yù)防、控制融資租賃業(yè)務(wù)風(fēng)險成為了融資租賃企業(yè)時刻關(guān)注、常抓不懈的問題。 RT融資租賃公司是天津的一家融資租賃公司，也是注冊資本位列天津地區(qū)第二的大型融資租賃公司，在國內(nèi)融資租賃行業(yè)中居于領(lǐng)軍地位，有著自身獨(dú)到的應(yīng)對風(fēng)險的體系和制度。自2007年成立至今，其業(yè)務(wù)不斷發(fā)展，公司逐步壯大，積累了豐富的防范融資租賃業(yè)務(wù)風(fēng)險的經(jīng)驗(yàn)，但與此同時，，隨著社會環(huán)境和經(jīng)濟(jì)形勢的不斷變化，融資租賃業(yè)務(wù)交易的復(fù)雜性和多樣性，RT融資租賃公司在經(jīng)營過程中仍然不可避免的遇到一些風(fēng)險的困擾。 本文通過六個方面對融資租賃風(fēng)險及針對RT融資租賃公司的風(fēng)險進(jìn)行了詳細(xì)闡述，分析和研究。第一部分是概述背景、意義、國內(nèi)外研究現(xiàn)狀；第二部分是針對融資租賃及其風(fēng)險進(jìn)行理論上的概述；第三部分是RT融資租賃公司基本情況及業(yè)務(wù)情況的介紹；第四部分是RT融資租賃公司風(fēng)險現(xiàn)狀及存在問題的詳述；第五部分針對RT融資租賃公司現(xiàn)存風(fēng)險所提出的解決方案；第六部分是結(jié)論。 本文站在出租人RT融資租賃公司的角度,對融資租賃業(yè)務(wù)風(fēng)險管理進(jìn)行了系統(tǒng)分析與思考,希望通過本文的研究,為RT融資租賃公司融資租賃業(yè)務(wù)風(fēng)險管理提供有益借鑒.
[Abstract]:Since the birth of financial leasing, it has been praised by various industries in the world because of its advantages of both financing and financial integration. Financial leasing is closely linked to finance and trade. At the same time, it has opened up the market for the manufacturing industry and indirectly promoted the development of the financial industry. Financial leasing has become an important way of resource allocation in many countries, and has been paid more and more attention to. Play a more and more important role in economic development. In our country, financing leasing industry is not a new industry. As early as 1981, China Oriental Financial Leasing Co., Ltd. is the first financial leasing company in China, but because of its own business operation is not standard. The risk control system is not complete, the relevant laws are not perfect, and the supervision is not strict enough, which leads to the worsening of enterprise finance and the closure of business. The development of financial leasing industry in China has experienced twists and turns. Finally, in recent years, the market demand, the encouragement of the government, with the help of regional advantages, and re-rapid development, now, financial leasing in Tianjin, Beijing. Shanghai and other regions are developing rapidly, and financial leasing has become one of the powerful means for enterprises in various industries to broaden financing channels, update technical products and promote product sales. The development of financial leasing industry in China tells us that the uncertainty of many reasons such as trading environment and trading relationship will bring the risk of loss of interest to the parties of financial leasing business. Therefore, risk prevention is the most important in the development process of financial leasing companies. However, because of the complexity of financing, financial leasing involves a wide range of environmental changes. Policy change is sensitive, so how to identify, prevent and control the risk of financial leasing business has become a constant concern of financial leasing enterprises. RT financial leasing company is a financial leasing company in Tianjin. It is also the second largest financial leasing company with registered capital in Tianjin. It is the leading company in the domestic financial leasing industry. It has its own unique system and system to deal with risks. Since its establishment in 2007, its business has continued to develop, the company has gradually grown, accumulated a wealth of experience in preventing the risk of financial leasing business, but at the same time. With the continuous changes of social environment and economic situation, the complexity and diversity of financial leasing business transaction is still unavoidable for RT financial leasing companies to encounter some risks in the process of operation. In this paper, the risk of financial lease and the risk of RT financial leasing company are elaborated, analyzed and studied in six aspects. The first part is an overview of the background, significance, domestic and foreign research status; The second part is a theoretical overview of financial leasing and its risks; The third part is the introduction of the basic situation and business situation of RT financial leasing company. Part 4th is a detailed description of the risk situation and existing problems of RT financial leasing company. Part 5th proposes solutions to the existing risks of RT financial leasing companies; Part 6th is the conclusion. This article stands in the lessor RT financial leasing company's angle, has carried on the systematic analysis and the ponder to the finance lease business risk management, hoped through this article research. For RT financial leasing company financial leasing business risk management to provide useful reference.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F272.3;F832.39

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