Port communicationAs the market economy continues to mature，Global economic competition is becoming increasingly fierce，Many companies adjust their business models，Diversified development leads to increasing financing，At the same time, the risks of using financial leasing for financing also arise.，therefore，Correctly understand the risks of financial leasing and control and prevent them，It is an important issue that enterprises need to solve。Today we will talk about how to understand the risks of financial leasing。
one、The inevitability of the existence of risks The inevitability of the existence of risks is reflected in：Risk is a kind of risk that is not subject to human will，objective existence independent of human consciousness。
For example，natural earthquake、typhoon、flood；social war、plague、conflict、Accidents, etc.；Damage to leased property in financial leasing business、lost、Fault、The lessee deliberately creates an incident for profit and fails to pay the rent.；Lessor management loopholes、corruption of personnel；National laws on financial leasing、The relevant tax environment is indeed etc.，To name a few；People can only change the conditions for the existence and occurrence of risks within a certain time and space，Reduce the frequency of risk occurrence and degree of loss，but，overall，Risks cannot be completely eliminated。
two、The universality of risks The universality of risks is reflected in：The history of mankind is a history accompanied by various risks。Since the emergence of human beings，face various risks，Except for natural disasters、disease、harm、outside war，With the development of science and technology、productivity improvements、social progress、human evolution，Various new risks have arisen，And the losses caused by risky accidents are also increasing.。
in today's society，Individuals face risks such as birth, old age, illness, death, disability, and other accidental injuries；Financial leasing companies face legal risks、moral hazard、Manage risk、market risk、competitive risks etc.。
three、Controllability of risks The controllability of risks is reflected in：People use the scientific outlook on development to give full play to human initiative on the basis of acknowledging the inevitability and universality of risks.，Study the external manifestations and internal connections of risks，Find out the patterns of risk occurrence and development，In order to take targeted and effective measures to contain and prevent risks，Putting risks into harm's way to society、harm to people、The harm to the enterprise is controlled to a minimum。
For example：With the Wenchuan earthquake，With the earthquake relief efforts of the people across the country,；With SARS virus，There is a SARS vaccine；There is no credit，There are fines, penalties, interest, etc.。Four、Predictability of risks We acknowledge the risks、Purpose of studying risk，It is to reduce the risk until the risk is overcome，To reduce and overcome risks，First, learn to predict risks。
People have encountered too many risks of all kinds in their long-term production activities and social activities.，Some risks reoccur many times，This gives people the opportunity，Knowledge and accumulated lessons learned through past and present known research risks，Find the likely times and conditions under which the risk will occur next，thereby，Take early precautionary measures。
It is precisely because of the knowability and predictability of risks that，Only then can we have the insurance companies we have today、Financial leasing company、weather forecast、Earthquake forecast etc.。This is in this sense，Only then can we say，Financial leasing companies are companies that make profits through operating risks。five、Changing perceptions of the long-term nature of risk is a long-term、The process of subtlety，Especially at present, the process of my country's transformation from a planned economy to a market economy will be a long-lasting pain.。
Effectively cultivate "contract" rules between lessors and lessees，Establish an effective credit system，It takes several generations to make efforts。six、risk destructive thoughts moral corruption，Things will get worse and worse。After the formation of non-performing assets of the leasing company，Tenants often choose to remain indifferent、How to hide when you can，The leasing company consumes a lot of manpower、Material resources、financial resources。Nor can it make up for the losses suffered.。
seven、The Difficulty of Controlling Risks: Current Measures for Dealing with Non-performing Assets of Leasing Companies，All have hysteresis，This is related to the definition of non-performing assets of leasing companies，At the same time, it also cooperates with the leasing company’s credit risk prediction mechanism、transfer mechanism、The control mechanism is not completely unified。Take various remedial measures after the emergence of non-performing assets，The result is often useless。
eight、"Borrowing money even though you know you can't repay it, or borrowing money but not planning to repay it in the first place" For example，Many state-owned enterprises borrow money from banks with no intention of repaying it。According to investigation，At present, the average asset-liability ratio of state-owned enterprises is as high as about 80%.，More than 70% of Mr. Qi’s loans are bank loans。This high level of debt has resulted in low corporate efficiency，Potential risks are increasing day by day。
(Shanghai Yushang Business Consulting Co., Ltd.：Financial leasing company registered agent)(Our company is engaged in financial leasing company registration，If you need consultation, please add ，Please note "financial lease")
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