Research on Optimal Selection of Financing Lease Rent Repayment Model Based on Default Risk

摘要

This article firstly analyzes the characteristics of rent repayment and the lessor's net profit and risk in two typical rent repayment models,then expounds the method to measure default risk by probability of default,and establishes the model to calculate net profit and select an optimal rent repayment model based on default risk.Finally,a numerical example is used to test the model.The results show that the application of the model can quantify default risk into the lessor's net profit,so as to make it possible to compare net profit at different levels of default risk,which will provide an effective basis of decision-making for the lessor to select an optimal rent repayment model.