||The credit risk assessment method of leasing company is mainly based on the principle of credit 5C and credit 5P, and combining with financial and non-financial aspects to establish the scoring card of credit rating. By distinguishing the client's credit rating, achieve the purpose of hierarchical management and as a basis for the preparation of the loss.|
Case of the company's credit risk assessment of the client focus on investigating related information before visiting the client, listening and observing the details carefully when visiting the client, and inquiring supplier, customers, industry peers, bank and leasing company to verify all information.
In addition, according to the case of leasing company credit defaults occurrence over the past five years, sales and credit review personnel assess causes of client’s default and generalize risk factors.The results show that the main risk symptom is insufficient payment, secondary reason is unsuitable purpose. These can be used as a reference of case leasing companies to establish a risk early warning mechanism.