摘要
随着金融市场的不断深化，商业银行在融资租赁业务中面临着日趋复杂的风险挑战。这些风险包括信用风险、金融风险、技术风险、操作风险以及法律风险等，它们可能源于承租人、供货商、市场环境或法规变动等多个层面，对商业银行的资金安全、业务稳定性以及市场声誉产生潜在影响。为了有效应对这些风险，商业银行需采取一系列风险管理优化策略。首先，建立健全的风险评估体系，对融资租赁业务进行全面、精准的风险识别与评估，确保银行对业务风险有清晰的认识。其次，在客户与合作伙伴的选择上，应严格筛选，确保业务对象的可靠性，降低潜在风险。加强内部控制和风险管理也是至关重要的。通过制定和执行严格的风险管理制度，确保业务流程的合规性和风险的可控性。此外，引入风险转移机制，如购买相关保险，以减轻银行在风险事件中的损失。在信息化时代，商业银行还需利用先进的信息技术手段来提升风险管理效率。通过运用大数据、人工智能等技术，可以实现对风险因素的实时监测和预警，提高风险识别和应对的准确性。
关键词：商业银行；融资租赁；业务风险
Abstract
With the deepening of the financial market, commercial banks are facing increasingly complex risks and challenges in the financial leasing business. These risks include credit risk, financial risk, technical risk, operational risk and legal risk, etc. They may originate from lessee, suppliers, market environment or regulatory changes, and have a potential impact on the capital security, business stability and market reputation of commercial banks. In order to effectively deal with these risks, commercial banks need to adopt a series of risk management optimization strategies. First of all, a sound risk assessment system should be established to conduct a comprehensive and accurate risk identification and assessment of financial leasing business to ensure that banks have a clear understanding of business risks. Secondly, in the selection of customers and partners, strict screening should be conducted to ensure the reliability of business ob jects and reduce potential risks. Strengthening internal control and risk management is also crucial. Ensure business process compliance and risk controllability through the development and implementation of strict risk management system. In addition, risk transfer mechanisms, such as the purchase of related insurance, are introduced to reduce the losses of banks in risk events. In the information age, commercial banks also need to use advanced information technology means to improve the efficiency of risk management. Through the use of big data, artificial intelligence and other technologies, the real-time monitoring and early warning of risk factors can be realized, and the accuracy of risk identification and response can be improved.
Keywords：bank of commerce; finance lease; business risk
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景及意义 1
（二）研究目的和内容 1
（三）国内外研究现状 1
二、商业银行融资租赁业务概述 3
（一）融资租赁的定义 3
（二）融资租赁的特点 3
（三）融资租赁业务的发展趋势 3
三、商业银行融资租赁业务的运营模式 5
（一）直接租赁模式 5
（二）售后回租模式 5
（三）转租赁模式 5
四、商业银行融资租赁业务的风险点 7
（一）承租人信用风险 7
（二）金融风险 7
（三）租赁物技术风险 7
五、商业银行融资租赁业务风险的优化策略 9
（一）建立全面的风险评估体系 9
（二）严格筛选客户和合作伙伴 9
（三）优化风险管理流程 9
结 论 11
参考文献 12
