1. Risk assessment system. The system should include risk assessment department, Ministry of Commerce, asset management department and other departments. It is established from the aspects of customer risk, industry risk, asset operation risk and specific project operation risk.
2. Risk assessment model. According to the industry involved in the business of its own financial leasing company, establish special risk assessment models, including customer assessment model and seller assessment model.
3. Project inspection and tracking mechanism. Before and after the signing of the project, we should continue to follow up the project, keep abreast of the lessee's business situation, and avoid false transactions and vicious arrears.
4. Asset management. Carry out asset classification management for the projects being implemented. It is managed from the customer dimension and the lease object dimension. Ensure that customers are under monitoring and ensure the re-disposal of leased items in vicious situations such as recovery.
5. insurance. Insurance should be purchased for the leased items of the project to share the asset risks with a small probability.
6. Supplier risk. For the seller of the leased property, the loss of assets under vicious circumstances shall be shared in an appropriate form.
2. Measures to control the risks of financial leasing companies?
Business philosophy and risk control philosophy;
As a financial service model, financial leasing is very different from general commodity trade in business philosophy. As a way of debt financing, financial leasing must adhere to the principle of risk control first, that is, it must seek business development under the premise of controllable risks. It is naive to think that businesses don't talk about risk control, because a successful and sustainable business must first have a system, and finding the corresponding market and business within the framework of the system is like a game, which can only be played with rules. Focus on development first, and then discuss the idea of risk control when the scale comes up, which will leave huge sequelae because of the lack of risk control in the early stage, which is never desirable.
The first risk control is also reflected in the fact that the company's risk control department has industry research, making guidance on the industry expansion direction of the company's business, and formulating different entry thresholds and risk control standards due to industry differences.
On the other hand, risk control is by no means the pursuit of zero risk. In all debt financing, zero-risk business actually does not exist. Therefore, risk control is not to control death, but to provide guidance on risk tolerance, risk control scheme and basic standards for business development, marketing and leasing scheme design.