| Summary: | 碩士 === 中原大學 === 企業管理研究所 === 104 === In recent years, due to the change of the domestic financial environment, the small and medium-sized enterprises are in need of more diversified capital and financing channels. As the leasing industry belongs to a new capital financing model in current business activities, which also becomes an important capital supplier for enterprises. Leasing company provide small and medium-sized enterprises the funds they need for business operation in the shortest possible time through the form of finance assets for substantial loans. This research is mainly to explore the risks coming with the leasing in heavy vehicles installment payment business and how to adjust the appropriate operating strategies.
In leasing industry, the heavy vehicles generally refer to trucks and buses, which are transportation used for business purposes. In respect of installment payment of heavy vehicle, its industrial information belongs to a closed-end type of industry. As publics are not familiar with relevant information of such business, this research would like to explore and analyze the risk types the case company face upon the business of heavy vehicle installment payment, and to understand what kind of strategy shall be used in response to a specific problem that happens. It was discovered that though target vehicles are ensured as collaterals when the leasing company processes the business of heavy vehicle installment payment, it would still suffer loss in case of a global economy depression or disasters not controllable by human that affect the debtor''s loan repayment ability or willingness. In addition, the loss generated from the ethical risk of debtor during the business process is also another potential threat that is difficult to be effectually prevented beforehand for the leasing company during the review process.
This research obtained the conclusions via the analysis and arrangement of the interview content of an actual case in the case company. The leasing company shall be careful and prudent for the control of market and competitive risks as well as credit exposure to prevent loss when carrying out the heavy vehicle installment payment business. The most important respects to be considered are: diversified and stable funds sources, professional talent cultivation, channels control and relationship maintenance, product differentiation and market separation, and wholesome review processes, with which the leasing company can respond to the change of market and to reduce loss and ensure profits for sustainable business operation upon risks.
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