物联网环境下的工业园区企业动产质押评估方法研究

发布时间：2018-01-12 06:20

本文关键词：物联网环境下的工业园区企业动产质押评估方法研究　出处：《广东工业大学》2015年硕士论文　论文类型：学位论文

【摘要】：工业园区作为中小企业聚集的新模式,为企业共享土地、服务、技术等资源提供了可能。企业在工业园区中,无需设立自有仓库,可将产品放在的园区公共仓库内,外包给第三方物流企业(Third Party Logistics,3PL)管理,以减少仓储物流成本,并利用存放在3PL公共仓库中的库存作为动产进行质押,向银行获取贷款,盘活存货,获取新的融资。然而,针对工业园区动产质押,融资客户多为私营或民营企业,管理及信息化水平低,贸易种类杂乱,企业信用难以评级,并具有质押物种类繁多、价格难以控制、需频繁出入库等高动态性,质押模式复杂,对动产进行差别化动态化评估成为必然趋势。这对银行来说却是个难解决的问题,银行被动接受市场需要融资的客户,难以集中化和专业化的对质押动产准确评估。而工业园区3PL可利用其在园区所具有的资源和信息优势,针对企业共有的动产融资需求,获取银行统一授信,转变为“金融物流”企业,在公共仓库中提供集中式的“动产质押”服务,并利用新兴物联网技术对货物进行实时监管,实现动产质押动态评估,以降低融资风险,提高融资效率。因此,本文借鉴已有研究成果,依托物联网技术,研究工业园区高动态运作环境下的动产质押评估问题。研究内容主要包括以下几个方面：首先,通过分析工业园区公共中的动产质押融资业务特点及需求,提出了工业园区3PL基于公共仓库物联网智能监管应用获取银行统一授信模式下的动产质押风险控制策略,业务运作模式和动产评估方法。其次,针对融资企业信用难以评级,为有效识别动产质押融资业务风险,通过对比分析统一授信模式下金融物流企业与传统模式下银行开展产质押业务时风险管理策略的不同,建立了服务于金融物流企业的动产质押资质评估指标体系,并采用ANP方法确定出指标权重。再次,为控制动产在质押周期内的价格波动带来的风险,利用物联网技术优势,建立了基于盯市策略的动态质押动产评估模型。最后,以物联网驱动的智能物流实时监控为应用理念,建立动产质押动态监管评估系统,保证动产质押融资业务高效、准确、高可行性的开展与执行。因此,本文的研究有如下两个方面的意义：(1)可发挥工业园区3PL在动产评估方面的能动作用,为工业园区金融物流企业开展动产质押业务提供指导,促进3PL产业升级和整个园区的发展。(2)借助物联网技术提高物流企业对质押品的监管安全性,以提高动产评估的准确性和评估效率,促进物联网技术在物流金融领域中的应用。
[Abstract]:As a new model for small and medium-sized enterprises to gather, industrial parks provide the possibility for enterprises to share land, services, technology and other resources. In the industrial parks, enterprises do not need to set up their own warehouses. Products can be placed in the park public warehouse, outsourced to the third Party logistics 3PL management to reduce storage logistics costs. And use the inventory deposited in 3PL public warehouse as chattel pledge, obtain loan from bank, activate inventory, obtain new financing. Most of the financing customers are private or private enterprises, the level of management and information is low, trade types are messy, enterprise credit is difficult to rate, and has a variety of pledged goods, prices are difficult to control, the need to frequently enter and out of stock and other high dynamic. Because of the complexity of pledge mode, it is an inevitable trend to evaluate movable property differently and dynamically, which is a difficult problem for banks. Banks passively accept customers who need financing in the market. It is difficult to centralize and professionalize the accurate evaluation of pledged movable property, and 3PL can use its advantages of resources and information in the park to obtain unified credit from banks in view of the financing needs of movable assets shared by enterprises. Transforming into a "financial logistics" enterprise, providing centralized "chattel pledge" service in the public warehouse, and using the emerging Internet of things technology to supervise the goods in real time, to realize the dynamic evaluation of chattel pledge. In order to reduce the risk of financing, improve the efficiency of financing. Therefore, this paper draws on the existing research results, relying on the Internet of things technology. Research on the evaluation of chattel pledge under the environment of high dynamic operation of industrial park. The research content mainly includes the following aspects: first, through the analysis of the characteristics and requirements of the financing business of movable property pledge in the public of industrial park. This paper puts forward the risk control strategy, business operation mode and chattel evaluation method of 3PL based on the intelligent supervision application of the Internet of things of public warehouse under the unified credit mode of obtaining bank. Secondly, the paper puts forward the risk control strategy of chattel pledge, business operation mode and chattel evaluation method. In view of the difficulty of credit rating of financing enterprises, it is necessary to identify the risk of financing business of chattel pledge effectively. By comparing and analyzing the differences of risk management strategies between the financial logistics enterprises under the unified credit mode and the banks in the traditional mode when they carry out the business of production and pledge. The evaluation index system of chattel pledge qualification for financial logistics enterprises is established, and the index weight is determined by using ANP method. Thirdly, the risk of controlling the price fluctuation of movable property in the pledge cycle is discussed. Based on the advantages of Internet of things technology, a dynamic evaluation model of chattel pledge based on market staring strategy is established. Finally, a dynamic monitoring and evaluation system of chattel pledge is established based on the concept of intelligent real-time monitoring of logistics driven by the Internet of things. To ensure that the pledge of movable property financing business efficiency, accuracy, high feasibility of the development and implementation. The research in this paper has the following two meanings: 1) it can give play to the active role of 3PL in the evaluation of movable property, and provide guidance for financial logistics enterprises in industrial park to carry out chattel pledge business. Promote the upgrading of 3PL industry and the development of the whole park. 2) improve the supervision and security of pledge goods by logistics enterprises with the help of Internet of things technology, in order to improve the accuracy and efficiency of the evaluation of movable property. To promote the application of Internet of things technology in the field of logistics finance.
【学位授予单位】：广东工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F275;F832.4;TN929.5;TP391.44

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