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承租人信用风险是融资租赁交易成败之关键,出租人与承租人信息不对称乃是风险之来源。本文拟立于出租人立场构建融资租赁客户信用风险模型,对企业进行横向、纵向之竞争优势的判断,内在建立弹性制客户信用评级,外在完善担保机制和监管体系,使客户信用风险的不道德性转变为法律框架下的约束性。以营造更加安全稳定的融资租赁市场。
The lessee’s credit risk is the key to the success or failure of a financial leasing transaction. The information asymmetry between the lessor and the lessee is the source of the risk. This article intends to establish a credit risk model for financial leasing customers based on the lessor’s position, to make horizontal and vertical judgments on the competitive edge of the enterprise, to establish an internal credit rating system based on flexibility, and to perfect the guarantee mechanism and supervision system externally so that the credit risk of customers The morality is transformed into a binding under the legal framework. In order to create a more secure and stable financial leasing market.