租賃業風險控管與營運策略之研究
-以個案A公司重車分期付款為例

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doi:10.6840/cycu201600613

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租赁业风险控管与营运策略之研究 -以个案A公司重车分期付款为例

Risk Management and Operation Strategies in Leasing Industry - Case Studies of Heavy Vehicle’s Installment Program in Company A.

许家维 , 硕士　　导师：蔡文钧　　

繁体中文 DOI： 10.6840/cycu201600613

租赁业；重车分期付款；融资；靠行； leasing industry ； heavy vehicle installment payment ； financing ； join a company

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摘要 │ 参考文献 (43) │ 国际计量

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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.

参考文献 ( 43 ) 〈TOP〉

2.陈忠龙（2006），「租赁公司之授信内控探讨-以H公司为例」，元智大学管理研究所硕士论文。
连结：
7.刘美缨、吴俊贤、吴寿山（2003），银行市场风险与适足资本之研究-内部模型法，台湾管理学刊，第三卷第一期：75-100。
连结：
15.李梁坚、张志向（1999），「中小企业授信评估模式建立之研究」，台大管理论丛，第9卷第2期，页69~95。
连结：
19.司徒达贤（1996），策略管理，远流出版社，台北。
连结：
3.Ansoff, H. I., The New Corporate Strategy, NY: John Wiley & Sons, 1988.  
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使用DOI作为永久连结

引用含有DOI的文献

DOI可强化引用精确性、增强学术圈连结，并给予使用者跨平台的良好使用经验，目前在全世界已有超过五千万个对象申请DOI。 如想对DOI的使用与概念有进一步了解，请参考 （ ） 。

DOI可强化引用精确性、增强学术圈连结，并给予使用者跨平台的良好使用经验，目前在全世界已有超过五千万个对象申请DOI。如想对DOI的使用与概念有进一步了解，请参考（）。