【正文】 論與風險管理的相關知識開始進行闡述,介紹了融資租賃這一業(yè)務模式的概念, 由于融資租賃經(jīng)營的特殊性，使得其在交易過程中存在著諸多風險。本文以 C 融資租賃公司為研究對象，在對該公司進行實地考察后，詳細地介紹了當前其風險管理的狀況，以及風險管理的效果。通過使用前文風險管理的研究方法，發(fā)現(xiàn) C 公司在融資租賃項目租前評價體系、租中預警體系、資金流動性管理，以及員工實際操作方面均存有一些風險（問題） ，這些風險（問題）直接或間接地影響著公司不良租賃資產(chǎn)率的上升。 最后，借用金融領域的 CAMELS 風險評級方法，以 C 融資租賃公司最近幾年財務報表為依據(jù)，計算各風險評價指標等級，對比各項指標在改進前后的變化，從而驗證本次 C 融資租賃公司風險管理的改進取得了實效。 Secondly, this paper takes C Finance Leasing Company as the research object, through the field investigation of C Finance Leasing Company, finds its risk management problems, and bined with the latest research results at home and abroad, the paper puts forward the improvement suggestions on the risk management. This paper particularly emphasizes the improvement from two aspects of corporate governance and project risk management, and introduces the implementation 23 / 64process of C Finance Leasing Company39。s risk management improvement.Key word: Financial leasing, Risk management, Credit risk, Early warning system目 錄摘 要 ...............................................................................................................IAbstract...............................................................................................................II1 緒論 ...................................................................................................................1 選題背景和意義...........................................................................................................1 選題背景...........................................................................................................1 研究意義...........................................................................................................2 國內外相關理論研究現(xiàn)狀...........................................................................................2 國外相關研究...................................................................................................2 國內相關研究...................................................................................................3 研究內容和研究方法...................................................................................................4 ............................................................................................................4 研究方法...........................................................................................................42 相關理論概述 ...................................................................................................6 融資租賃理論概述.......................................................................................................6 ................................................................................................6 ................................................................................................7 ................................................................................................7 ............................................................................................9 ................................................................................................9 融資租賃公司風險管理的特點.................................................................................13 ..............................................................................13 ......................................................................14 融資租賃公司風險管理常用工具 .........................................................................153 C 融資租賃公司風險管理現(xiàn)狀及存在問題 ..................................................20 C 融資租賃公司及其業(yè)務簡介 .................................................................................20 C 融資租賃公司存在的風險 .....................................................................................21 C 融資租賃公司風險管理現(xiàn)狀 .........................................................................22 C 融資租賃公司風險管理體系現(xiàn)狀 ..............................................................22 風險的控制現(xiàn)狀.............................................................................................24 C 融資租賃公司風險管理中的問題（風險識別） .................................................274 C 融資租賃公司風險管理優(yōu)化 ......................................................................31 風險評定 ....................................................................................................................31V / 64 風險應對 ....................................................................................................................32 風險監(jiān)控 ....................................................................................................................37 風險管理優(yōu)化效果評價 ............................................................................................38 基于 LOGISTIC 回歸模型的租前評價體系重建 .......................................................405 結束語 .............................................................................................................50致 謝 .................................................................................................................51參考文獻 .............................................................................................................52附錄一 .................................................................................................................55附錄二 .................................................................................................................57圖表目錄圖 論文結構.........................................................................................................................5圖 風險管理的一般過程...................................................................................................10圖 C 融資租賃公司直接租賃項目流程圖 ........................................................................20圖 F 集團成員圖 ................................................................................................................21圖 C 融資租賃公司風險管理組織架構圖 ........................................................................24圖 風險坐標系圖...................................................