一种新型融通仓运作模式及其风险控制模型的研究设计与实现

发布时间：2018-03-07 07:47

本文选题：融通仓　切入点：模式设计　出处：《深圳大学》2017年硕士论文　论文类型：学位论文

【摘要】：中小企业在我国国民经济发展中一直扮演者重要角色,但同时融资难问题也是制约我国中小企业发展的最大的瓶颈。在这个背景下,学术界积极地探索研究,2002年由复旦大学的教授罗齐和朱道立在企业自身探索的基础上设计出了一种创新模式——“融通仓”。“融”指金融,“通”指物资的流通,“仓”指物流的仓储,其目的就是为了将银行所不易接受的动产转化为银行乐意接受的动产质押物,以帮助中小企业获得贷款。传统的融通仓模式有委托模式、统一授信模式和共同委托模式,它们或以银行为核心或以第三方物流企业为主导,虽然都有各自的适用场景和优点,但同样都有其难以避免的弊端。为了解决传统融通仓运作模式存在的问题,根据本文研究主体的实际情况,本文提出了一种新型融通仓融资模式,该模式可以消除委托模式中银行与物流企业沟通不顺畅、统一授信模式中物流企业承担无限风险以及共同委托模式中贷款方需纠缠于质押物的监管等不利因素。基于此,本文又进一步提出了与传统融通仓风险控制模型不同的新型风险控制模型,通过将“事前预防”的信用评级体系和“事后控制”的质押物监控管理系统相结合,打破了传统研究中只注重放贷前进行风险评估的一般性做法。本文设计的基于B/S架构的监控管理系统可以为参与到融通仓业务的各方提供实时的、动态的质押物监管服务,实现对融通仓运作的全生命周期的风险监管,形成风险控制的一个闭环。本文提出的新型融通仓运作模式和新型融通仓风险控制模型已经成功应用在某国有企业及其合作企业的实际业务中,这对解决我国中小企业融资困难、第三方物流企业业务升级和金融行业扩展业务等方面都具有一定的实际意义。
[Abstract]:Small and medium-sized enterprises have always played an important role in the development of our national economy, but at the same time, the problem of financing is also the biggest bottleneck restricting the development of small and medium-sized enterprises in our country. In 2002, professors Luo Qi and Zhu Daoli of Fudan University designed an innovative model on the basis of the enterprise's own exploration. "Finance" means finance, "communication" refers to the circulation of goods and materials, and "warehouse" refers to the warehousing of logistics. The aim is to convert the movable property which is not easily accepted by the bank into the chattel pledge which the bank is willing to accept, in order to help the small and medium-sized enterprises to obtain the loan. The traditional mode of financing warehouse includes the entrustment mode, the unified credit granting model and the common entrustment mode. They either take the bank as the core or take the third party logistics enterprise as the leading, although each has its own suitable scene and the merit, but also has its unavoidable malpractice. According to the actual situation of the main body of this paper, this paper puts forward a new financing mode of financing warehouse, which can eliminate the problem of communication between banks and logistics enterprises in the entrustment mode. In the unified credit model, the logistics enterprises bear unlimited risks, and in the co-entrustment model, the lenders need to be entangled in the supervision of the pledge, and so on. This paper also puts forward a new risk control model, which is different from the traditional risk control model, by combining the credit rating system of "pre-prevention" with the "post-control" monitoring and management system of pledge. The system based on B / S architecture can provide real-time and dynamic pledge supervision services for all parties involved in the financing business. The implementation of life-cycle risk regulation for the operation of the finance warehouse, A closed loop of risk control is formed. The new financing warehouse operation model and the new financing warehouse risk control model proposed in this paper have been successfully applied in the actual business of a state-owned enterprise and its cooperative enterprise. It is of practical significance to solve the financing difficulties of small and medium-sized enterprises in China, upgrade the business of third party logistics enterprises and expand the business of financial industry.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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