S物流企业物流金融服务模式及风险防范对策研究

发布时间：2018-11-08 11:32

【摘要】：自2008年金融危机以来，全球经济动荡不断，受此影响，我国经济也出现了增速放缓的现象，出口导向型发展模式受到极大的挑战。在这种环境下，物流公司的业绩普遍受到影响，传统的基础物流服务面临发展瓶颈，发展和利润空间越来越小，作为国内物流行业的领头企业，S公司也面临着同样的问题，业务创新和业务转型迫在眉睫。与此同时，很多中小企业因贷款融资困难而面临生存危机，而银行又因为贷款成本和风险高，谨慎惜贷，这种恶性循环已逐渐开始影响我国国民经济的健康发展。物流金融这一三方共赢业务模式的推出，一方面很大程度上解决了中小企业因缺乏固定资产，难以抵押融资的困境，允许中小企业用存货进行动产质押，在物流企业的监管下，向银行进行融资，盘活了企业的资产，提高了资金使用效率。另一方面，物流公司借助物流金融业务，开拓了新的业务模块和客户市场，提高了综合服务能力的同时，大大提高了自身的核心竞争力和经营利润。另外，，商业银行委托物流公司对质物进行监管，既降低了业务成本，又减小了业务风险，同时还拓展了新的业务。本文从物流金融服务主要推动着——物流公司的视角出发，分析了现有物流金融服务模式并结合S物流公司的现状，提出适合S公司的物流金融运作模式，运用供应链建模方法建立收益模型。利用笔者实习时获取的数据对模型进行验证，并运用计算结果分析各模式的优缺点。指出物流金融业务的最终目标是使业务各方——客户企业、银行和物流公司（质权人、出质人、监管人）达到收益最大化，实现共赢，通过实例计算验证了在此模式中，各方利益均得到有效保障。物流金融业务实施的过程比较复杂，须要有一套与之配合的管理标准和操作规范，从而降低业务实施过程中可能出现的风险。文章针对S物流公司物流金融业务开展的状况和各物流金融模式的特点，提出了开展物流金融业务组织保障体系、岗位设计、人员配置以及具体的操作流程。分析了在开展质押监管时所存在的诸多风险及其成因，并针对不同的业务风险提出对应的风险防范与控制措施。
[Abstract]:Since the financial crisis in 2008, the global economy has been in constant turmoil. As a result, the growth rate of China's economy has slowed down, and the export-oriented development model has been greatly challenged. In this environment, the performance of logistics companies is generally affected, traditional basic logistics services are facing the bottleneck of development, development and profit margins are becoming smaller and smaller. As a leading enterprise in the domestic logistics industry, S company is also facing the same problem. Business innovation and business transformation is imminent. At the same time, many small and medium-sized enterprises are faced with survival crisis because of the difficulty of loan financing, and the banks are cautious and reluctant to lend because of the high loan cost and risk. This vicious circle has gradually begun to affect the healthy development of our national economy. The launch of the win-win business model of logistics finance, on the one hand, solves to a large extent the plight of small and medium-sized enterprises (SMEs) because of the lack of fixed assets and the difficulty of mortgage financing, allowing small and medium-sized enterprises to pledge movable assets with inventory, under the supervision of logistics enterprises. To the bank financing, revitalized the assets of the enterprise, improve the efficiency of the use of funds. On the other hand, with the aid of logistics financial business, logistics companies have opened up new business modules and customer markets, improved their comprehensive service capacity, and greatly improved their core competitiveness and operating profits. In addition, the commercial bank entrusts the logistics company to supervise the pledge, which not only reduces the business cost, but also reduces the business risk, at the same time, it expands the new business. From the angle of view of logistics company, this paper analyzes the existing logistics financial service mode and puts forward the logistics financial operation mode suitable for S company, combined with the current situation of S logistics company. The profit model is established by the method of supply chain modeling. The model is verified by the data obtained from the author's practice, and the advantages and disadvantages of each model are analyzed by using the calculation results. It is pointed out that the ultimate goal of logistics financial business is to make all parties to the business-customer enterprises, banks and logistics companies (hypothecators, supervisors) to maximize their income and achieve win-win results. The interests of all parties are effectively protected. The process of implementing logistics financial business is complex, so it is necessary to have a set of management standards and operational norms to reduce the risks that may occur in the process of business implementation. According to the situation of logistics finance business in S logistics company and the characteristics of each logistics finance mode, this paper puts forward the organization guarantee system, post design, personnel configuration and concrete operation flow of developing logistics finance business. This paper analyzes many risks and their causes in the development of pledge supervision, and puts forward corresponding risk prevention and control measures for different business risks.
【学位授予单位】：合肥工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F259.23;F832

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