【作者】 张鹏飞；

【导师】 张真继；

【作者基本信息】 北京交通大学 ， 管理科学， 2011， 硕士

【摘要】 融资租赁(Financial Leasing)是将传统形式的租赁、金融与贸易方式进行有机结合后的一种新的交易方式。它出现时间虽然比较短,但发展极快,已成为设备投资的主要方式之一,并在企业选择融资方式中,成为仅次于银行信贷的第二大融资方式。融资租赁是企业缓解经营压力,进行资本融资的有效途径,并在国民经济中发挥着越来越重要的作用。在金融业迅速发展的今天,融资租赁自身具备的融资融物的特性,可以间接的将实物信用与银行信用相结合,它是现代化大生产的产物。由于融资租赁业务涉及多个当事人,给业务的开展和未来的收益情况带来了不确定性。租赁风险过大,不利于业务的开展,将导致租赁业务开展缓慢；风险太小将导致机会成本的缺失,同样不利于租赁公司的成长。因而在审批租赁项目时,加大对融资租赁风险的监控就显得很有必要性。一系列必要的管控手段可以降低不良风险发生的概率,进而直接或间接的可以为租赁公司带来收益。本文是用模糊评价的方法对融资租赁企业的风险情况进行评价。因而核心问题是模糊评价方法的应用和融资租赁风险因素的汇集。但在解决这个问题以前,如何制定科学客观的指标体系也很重要,依靠建立的指标体系对融资租赁企业的风险情况进行研判,从而为企业发展提供准确的决策依据。本文的主要内容是第一部分将是对融资租赁的概况及国内外研究的现状进行系统性的阐述,揭示融资租赁在中国发展的现状；第二部分将是对融资租赁行业风险产生的原因及相关分类进行论述；第三部分是基于融资租赁风险的影响因素,建立相关的定性定量指标,形成相关的指标评价体系；第四部分是对上述指标评价体系进行模糊综合评价研究,并结合具体案例进行相关的决策参考；第五部分是针对模糊综合评价的结果提出相应的风险防范建议。更多还原

【Abstract】 Finance leasing is a new transaction organic combined by the traditional form of leasing, financial and trade method. Although it appears relatively a short time, because of its fast development, Finance leasing has become a main choice of many investments on equipment, also it become the second largest choice on financial method to financing of companies, only after the bank credit financing. Finance leasing ease pressure on the operation of enterprises, play an effective role of capital financing, and play an increasingly important role in the national economy.The rapid development in the financial industry today, Finance leasing has its characteristics of financial financing, it can indirectly combine real credit and bank credit, which is outcome of modernized production. The business of financial leasing involves a number of parties, which brings out uncertainty to the conduct of business and future earnings. Too high leasing risk is not conducive to business, so that the process of leasing business develops slowly; too low risk will cause the opportunity cost missing, the same is not conducive to the growth of leasing companies. It is necessary to increase the monitoring measures whether happened on rental project approval or implementation. A series of control measures can reduce the probability of occurrence of adverse risk, and then directly or indirectly generate revenue for leasing companies.The thesis is research on risk management of financial leasing company based on fuzzy evaluation. The core issue is the application of fuzzy evaluation method and the collection of risk factors Finance leasing. However, to solve this problem before, how to develop scientific and objective indicator system is also very important. Relying on establishing the index system and judged the company risk, it can provide accurate decision-making basis to business development.The first part will be a Finance leasing of an overview of the current situation at home and abroad systematic exposition, and revealing the development of financial leasing situation in China; second part is discussing the causes of the risk of financial leasing industry and the relevant classification; the third part is the establishment of relevant qualitative and quantitative indicators, based on the impact of the risk factors of Finance leasing; the fourth part is the evaluation of these indicators for fuzzy comprehensive evaluation system, and combined with specific case studies related to decision-making; the fifth part is putting forward the appropriate risk prevention recommendations from the result of fuzzy comprehensive evaluation.更多还原