【作者】 周洁；

【导师】 吴文莉；

【作者基本信息】 华中科技大学 ， 工商管理（专业学位）， 2024， 硕士

【摘要】 金融租赁公司作为非银行金融机构,其设立须经中国银行保险监督管理委员会批准,相较于传统融资租赁公司,金融租赁公司具备显著的资本实力和融资成本优势。2007年,国内设立的金租公司有12家,注册资本总额约200亿元,随着国家支持政策陆续出台,金融租赁行业取得快速发展,服务实体经济能力显著增强,截至2021年末,全国获准开业的金融租赁公司已有71家(含3家专业子公司),总注册资本接近2663亿元,增幅达1200%。相对于发达经济体,中国的金融租赁行业发展相对较晚,可供借鉴的国外经验相对有限,管理水平尚未达到充分精细化,导致行业发展的质与效尚待提升。我国金融租赁公司普遍参照商业银行进行风险管理,尚未形成特有的风险管理体系。由于行业特性,金融租赁行业“短贷长投”的现象较为普遍。在经济下行、金融监管力度增强以及去杠杆政策的背景下,金融租赁公司所面临的流动性压力逐步凸显。在当前经济形势下,如何快速识别金融租赁公司面临的流动性风险并及时进行管控,是非银背景金融租赁公司需要迫切考虑的问题。本文以H金融租赁公司作为案例,深入研究金融机构流动性风险管理,详细分析H金融租赁公司流动性风险管理现状,并探索有效的风险管理策略和应对措施。研究采用定性和定量研究方法,收集公司内部数据和外部市场信息进行分析,运用流动性指标、压力测试等方法对流动性风险进行评估。研究结果表明H金融租赁公司总体流动性良好,同时面临着一定的流动性风险。本研究针对H金融租赁公司的流动性风险管理提出了管理建议,包括加强流动性风险预警管理能力、加强流动性主动管理能力、加强资产和负债管理能力、加强运营保障能力。对H金融租赁公司提供了有效的风险管理参考,并为行业相关研究提供了新的思路和方法。更多还原

【Abstract】 As non-bank financial institutions,financial leasing companies must be approved by the China Banking and Insurance Regulatory Commission.Compared to traditional financing leasing companies,financial leasing companies possess significant capital strength and advantages in financing costs.In 2007,there were 12 financial leasing companies established in China,with a total registered capital of about 20 billion yuan.With the successive introduction of national support policies,the financial leasing industry has achieved rapid development,and its ability to serve the real economy has significantly strengthened.By the end of 2021,there were 71 approved financial leasing companies nationwide(including 3 specialized subsidiaries),with the total registered capital approaching 266.3 billion yuan,an increase of 1200%.Compared to developed economies,the development of China’s financial leasing industry is relatively late,so the international experience available for reference is relatively limited.Moreover,the management level has not yet reached full refinement,which affects the quality and efficiency of industry development.our financial leasing companies generally refer to commercial banks for risk management,has not yet formed a unique risk supervision system.Due to the industry characteristics,the phenomenon of"short-term borrowing for long-term investment" is quite common in the financial leasing industry.Under the context of economic downturn,increased financial regulation,and deleveraging policies,the liquidity pressure faced by financial leasing companies has gradually become prominent.In the current economic situation,how to quickly identify the liquidity risks faced by financial leasing companies and timely control them is an urgent issue for non-bank financial leasing companies.This article takes H Financial Leasing Company as a case study to delve into the liquidity risk management of financial institutions,analyzing the current status of liquidity risk management at H Financial Leasing Company,and exploring effective risk management strategies and response measures.The study employs qualitative and quantitative research methods,collecting internal company data and external market information for analysis,and uses liquidity indicators,stress tests,and other methods to assess liquidity risks.The research results show that H Financial Leasing Company generally has good liquidity but faces certain liquidity risks.This study proposes management suggestions for the liquidity risk management of H Financial Leasing Company,including enhancing the liquidity risk early warning management capabilities,enhancing the liquidity active management capabilities,enhancing asset and liability management capabilities and improving operational assurance capabilities.This study provides effective risk management references for H Financial Leasing Company and offers new ideas and methods for industry-related research.更多还原