金融租赁公司风险管理体系的构建与优化  

Construction and Optimization of the Risk Management System for Financial Leasing Companies

作　　者：汤子慧 TANG Zihui(CCTEG Financial Leasing Co.,Ltd.,Beijing 100000,China)

机构地区：[1]中煤科工金融租赁股份有限公司,北京100000

出　　处：《商业观察》2025年第4期68-72,共5页BUSINESS OBSERVATION

摘　　要：当今时代背景下,金融租赁公司作为金融市场的重要参与者,面临着多样化的风险挑战。构建和优化有效的风险管理体系对于保障公司稳健运营、降低损失风险至关重要。文章系统性地探讨了金融租赁公司风险管理体系的构建与优化策略。通过分析风险管理基础理论、常见风险类型及其识别与评估方法,详细探讨了风险管理体系在组织架构、政策流程、工具技术以及风险控制与缓释策略等方面的设计与实施情况。并结合新兴风险带来的挑战,提出了进一步优化风险管理体系的建议,旨在为金融租赁公司的风险管理提供理论指导和实践支持。As an important participant in the financial market,financial leasing companies face diverse risk challenges.Building and optimizing an effective risk management system is crucial for ensuring the stable operation and reducing loss risks of a company.This article systematically explores the construction and optimization strategies of the risk management system for financial leasing companies.By analyzing the basic theories of risk management,common types of risks,and risk identification and evaluation methods,this paper explores in detail the design and implementation of risk management systems in terms of organizational structures,policy processes,tool technologies,as well as risk control and mitigation strategies.Based on the challenges posed by emerging risks,suggestions have been put forward to further optimize the risk management system,aiming to provide theoretical guidance and practical support for the risk management of financial leasing companies.

关 键 词：金融租赁公司 风险管理 风险识别与评估 风险控制与缓释 风险管理体系优化 

分 类 号：F832.39[经济管理—金融学]