论我国商业银行向租赁公司授信风险防范-on credit risk prevention of commercial banks in china to leasing companies.docxVIP

摘 要 近几年，融资租赁业迅速发展。融资租赁行业的快速发展需要大量外部资金支 持，在我国，银行信贷是其主要资金来源，占比达到 80%。然而由于目前我国商业 银行缺少对融资租赁行业分析判断的科学方法，导致银租信贷合作受限。因此，有 必要全面了解融资租赁的行业状况、深入剖析该行业授信风险因素，并提出切实可 行的信贷风险管理办法，促进银租合作良性发展。 本文第一章介绍商业银行向租赁公司授信的基本原理和现状，这部分首先对融 资租赁的基本原理、发展过程、政策环境进行概括描述。接着介绍了我国及国际市 场融资租赁现状。最后重点分析了商业银行向融资租赁公司授信的审批部门、基本 模式、分析方法、授信规模、授信比例等情况。 在第二章，结合原理、现状，以及在实际工作中积累的经验，提出目前商业银 行向融资租赁公司授信过程中存在的问题，并深入剖析产生问题的原因。 随后，在第三章，针对上述提出的问题，提出商业银行向融资租赁公司授信的 风险防范方法，从行业监管、尽职调查、模型评估、方案制定、贷后监控、质押登 记、法律配合等方面提出了建设性意见。并且在风险评估模型设计环节，试图通过 财务评估、非财务评估、关键预警、外部影响、评级推翻、结果分析六个步骤量化 分析融资租赁风险状况，从而达到对融资租赁公司的客观评价。 最后，在第四章，总结本文的研究成果，希望本文的研究成果能够为商业银行 向融资租赁公司授信提供决策依据，促进银租合作良性发展。并说明本文由于数据 有限以及笔者经验不足存在的局限性，同时表明今后随着数据的增加和经验的积累 将不断调整修正风险防范措施。 关键词：融资租赁，商业银行，风险管理，评估模型 Abstract In the recent years, financing leasing industry has experienced a high growth along with the growth of the China economy, where there is a lagging financing environment for the small and medium-sized enterprises. And the expansion of the scale of the financial leasing industry needs a great funding support in the financial market. In China, it is mainly from commercial banks, accounting about 80%. For the financial leasing industry in China is still in the primary stage of development, many problems limit the cooperation between leasing companies and banks. And so it is necessary to fully understand the financial leasing industry problems and risks, so as to deeply know the industry, to recognize risks and control them which helpful to improve the quality of bank credit assets. And it also will help financial leasing industry to develop healthily. Firstly, the essay gives out a general introduction of the financial lease basic acknowledge, the development process, and the development environment. Secondly, it elaborates the present development of the financing lease industry in China and international market and of the credit facility set-up by commercial banks. Through above analysis and the author’s working experience, the essay points out the problems banks should face