近些年，随着经济多元化的快速发展，融资租赁公司，作为集资金和设备于一身的 企业，采用交易租赁标的物的使用权和所有权的运营模式，通过信贷资本向实体经济转 移的渠道，能最大限度的弥补中小企业融资问题的短板，这是一个双赢的局面。现如今 融资租赁的运作方式已经成为全球最主要的融资方式之一，尤其在我国经济较疲软的情 况下，融资租赁公司仍然在迅猛扩张和快速发展，同时我国有条不紊的进行供给侧改革 的工作，融资租赁公司发挥的作用也越来越大。因此，融资租赁的前景是明朗的。但由 于融资租赁公司发展迅速，而我国的相关融资租赁法律法规不够完善，与传统的金融企 业相比，融资租赁公司并不具备健全、科学的风控体系，其面临的挑战是严峻的。再者， 由于融资租赁公司本身就具有业务繁琐、涉及三方人群，管控两个合同，利益相关方较 多，这也决定了其面临的风险是相当大的。还有其每项融资租赁业务期限偏长，长期风 险随之而来，不可控的因素较多。因此，构建一套科学健全的风险评价指标体系，对融 资租赁公司来说，是必须的。 现如今，传统的金融机构基本上都具备风险管控的体系，而本文研究的融资租赁业 风险管理仍然在研究的初期。本文在相关概念界定和理论基础上，详细阐述了风险以及 风险管理的定义、内容，以及融资租赁的概念、特点和融资租赁风险的产生机制，同时 介绍了常见的风险识别评估方法；介绍了 S 融资租赁公司的简介、组织机构以及其下设 主要部门的职责，识别了 S 融资租赁公司两大类的风险并针对 S 融资租赁公司风险管理 的现状做了陈述；在骆驼评级法的基础上，更加清晰的明确了风险因子，采用 AHP 和 模糊综合评价法相结合的方法，创造出了适合 S 融资租赁公司的风险评价体系，并针对 S 融资租赁公司的具体情况，做出定性和定量的分析，从而确定风险影响的程度；针对 S 融资租赁公司风险评价的结果做出相应的应对对策，同时提出辅助性的保障措施，确 保风险应对的有效性，以期对同行业的相关研究提供参考和指导。 关 键 词 ，融资租赁；风险管理；CAMELES 评价；风险评价 研究类型，应用研究II Abatract In recent years, with the rapid development of economic diversification, financial leasing companies, as a collection of funds and equipment in one enterprise, use the trading lease of the subject matter of the use of the right and ownership of the operation model, through the transfer of credit capital to the real economy, can make up for the shortcomings of SMEs financing problems to the maximum extent. This is a win-win situation. Nowadays, the operation mode of financial leasing has become one of the most important financing modes in the world. Particularly in our country's economic situation is not very good, the financial leasing companies are still expanding rapidly and developing rapidly. Meanwhile, our country carries out the work of supply-side reform in an orderly way, and the role of financial leasing companies is becoming more and more important. . Therefore, the prospect of financial leasing is clear. However, due to the rapid development of financial leasing companies, and China's relevant laws and regulations on financial leasing are not perfect, compared with traditional financial enterprises, financial leasing companies do not have a sound and scientific wind control system, the challenges are severe. Moreover, because the financial leasing company itself has a cumbersome business involving tripartite groups, control two contracts, more stakeholders, which also determines that the risk it faces is considerable. There is also a long term of each financial lease business, long-term risk followed by more uncontrollable factors. Therefore, it is necessary for financial leasing companies to build a scientific and sound risk evaluation index system. Nowadays, the traditional financial institutions basically have a risk control system and the risk management of the financial leasing industry in this paper is still in the early stage of study. On the basis of related concepts and theories, this paper expounds in detail the definition and content of risk and risk management, as well as the concept, characteristics and mechanism of financial leasing risk, and introduces the common methods of risk identification and evaluation; introduces the introduction, organization and the following of S financial leasing company Setting up the responsibilities of the main departments, the paper identifies the risks of S financial leasing company and states the status quo of risk management of S financial leasing company; on the basis of the camel rating method, the risk factors are clearer and clearer, and the combination of AHP and fuzzy comprehensive evaluation method is adopted to create a suitable S financial leasing company. The company's risk assessment system, In view of the specific situation of S finance leasing company, weIII make definite and uncertain analysis, so as to determine the degree of risk impact; S financial leasing company for the results of risk assessment to make corresponding countermeasures, while establishing the corresponding safeguards, makes a view to the same industry research to a reference Guidance and suggestions. Key Words : Financial Leasing; Risk Management; CAMELES Evaluation; Research Type : Application ResearchIV 目 录 摘要...........................................................................................................................................I ABATRACT...............................................................................................................................II 第一章 导论.............................................................................................................................. 1 1.1 研究背景及意义 ............................................................................................................. 1 1.1.1 研究背景................................................................................................................... 1 1.1.2 研究意义................................................................................................................... 2 1.2 研究内容、方法.............................................................................................................. 3 1.2.1 研究内容................................................................................................................... 3 1.2.2 研究方法................................................................................................................... 3 1.3 研究框架.......................................................................................................................... 4 1.4 本文的创新之处 ............................................................................................................. 6 第二章 相关概念和理论基础.................................................................................................. 7 2.1 风险管理概述.................................................................................................................. 7 2.1.1 风险的概念............................................................................................................... 7 2.1.2 风险管理的概念....................................................................................................... 7 2.1.3 风险管理的内容....................................................................................................... 8 2.1.4 风险管理研究现状.................................................................................................. 8 2.2 融资租赁的风险管理概述 ........................................................................................... 10 2.2.1 融资租赁的概念.................................................................................................... 10 2.2.2 融资租赁风险的特点............................................................................................ 10 2.2.3 融资租赁风险的产生机制.................................................................................... 12 2.3 常见的风险识别评估方法 ........................................................................................... 13 2.3.1 德尔菲法................................................................................................................. 13 2.3.2 层次分析法.......................................................................