摘要
近年来,我国中小企业在银根缩紧的情况下纷纷面临融资难问题,浙江、广
东、福建等沿海城市的许多中小生产加工制造型企业由于融资难而导致经营举步
维艰的现象屡见不鲜。因此,物流金融作为能够有效解决中小生产加工制造型企
业融资难问题的新途径、新方法之一,具有广阔的发展空间。
但国内物流金融仍处在以银行为主导的情况下,而以银行为主导的物流金融
存在隐形门槛高、效率低下等问题。很多中小型企业不能在时刻获得急需融资。
所以,以物流企业为主导的物流金融服务势在必行。
本文从第三方物流企业出发,研究了以第三方物流企业为主导的物流金融新
盈利模式,以及新模式下的风险管理。首先,本文对物流金融服务的起源、背景
和发展做了相关介绍,并对物流金融的相关理论研究做了归纳和总结,介绍了国
内外发展现状,分析了以物流企业为主体幵展物流金融服务的必要性,为进一步
深入了解我国物流金融服务的新模式打下了基础。随后分析了物流企业主导下的
物流金融创新服务模式,对三种典型的创新服务模式进行了介绍和分析,详细讨
论了其中两种模式在操作上的特征和不同之处,并分析了这两种模式的盈利方
式。然后以保兑仓服务为例,分析了保兑仓在实际操作的各个环节,以及各环节
可能存在的风险,并结合前人的研究理论,构建出了风险评估的模型。然后,运
用该评估模型在现实案例中进行实证研究,检验了该模型的合理性和实用性,发
现该模型在实际操作中有助于提升物流公司对质押物监管风险管理的靶向性,能
够降低其风险控制成本,最后结合案例对加强风险管理提出了一定的解决思路。
论文分别从理论和实践两个层面上探讨了以物流企业为主导的物流金融新
的盈利模式及其风险评估管理问题,对当前我国物流企业参与物流金融服务以及
管理控制风险提供了一定的启发和参考。
关键词:物流金融;物流企业;新模式;风险评估模型
Abstract
In recent years, China!s SMES in the monetary tightening conditions have faced
the problem of financing, many small and medium-sized production enterprises of
manufacturing in Zhejiang,Guangdong,Fujian and other coastal city because of
financing difficulties caused.lt is often seen, difficult business phenomenon.
Therefore, financial logistics as to small and medium-sized production manufacturing
enterprises financing new ways to solve problems, one of the effective,broad space
for development.
However, the domestic logistics finance is still in the bank dominated case, while
the bank led financial logistics hidden problems such as low efficiency, high threshold.
Many small and medium enterprises cannot obtain the needed financing in the
moment. So, in the logistics enterprises as the leading logistics financial services be
imperative.
This article from the third party logistics enterprises, studies the new profit of
logistics financial model to the third party logistics enterprises as the leading,and the
new mode of risk management. First, the logistics financial service's origin,
background and development are introduced in this paper,and Research on related
theories of logistics finance made the induction and the summary,introduced the
development situation at home and abroad, analyzes the necessity of logistics
enterprises in developing logistics financial services, for further study of the new
mode of logistics financial Services China to lay the foundation of the. Subsequent
analysis of the logistics enterprise under the leading of the logistics financial service
innovation model, three kinds of typical innovative service mode are introduced and
analyzed, the characteristics of two kinds of modes in the operation of the similarities
and differences are discussed in detail, and analysis of these two modes of the profit
pattern. Then the confirmation warehouse service as an example, analyzes the
confirmation warehouse each link in the actual operation, risk and each link may exist,
and combined with the past research theory, constructs a model of risk assessment.
Then, by using the evaluation model for empirical research in the real case,to test the
rationality and practicability of the model,this model is helpful in practice to improve
the logistics company to pledge material regulatory risk management target, it can
reduce the cost of risk control,based on the case of strengthening risk management
put forward certain solutions.
This paper respectively from two aspects of theory and practice of the logistics
enterprises as the leading logistics finance new profit model and risk assessment and
management issues, to provide some inspiration and reference of the logistics
financial services and risk management in the logistics enterprises of our country.
Keywords: Financial logistics;Logistics enterprises;New model;Risk assessment
model