ZC物流公司动产质押业务风险管理研究

发布时间：2018-06-22 02:39

本文选题：物流企业 + 动产质押　；参考：《北京交通大学》2015年硕士论文

【摘要】：中小企业是我国经济发展的重要力量,由于信用评级的问题,银行对中小企业的放贷慎之又慎,结果导致了一种“两难”困境：一方面是中小企业“融资难”,存在严重的资金问题；另一方面是银行“贷款难”,空有大笔资金却不敢向中小企业放贷。动产质押监管业务的兴起,成为了解决这一难题的有效手段。在动产质押业务模式下,企业以动产出质得到资金,银行贷款业务得以扩张,传统物流企业能够挖掘新的利润点,可谓“一举三得”,实现了三方共赢。但是,随着业务的快速发展,业务的高风险性日益凸显,平均400笔业务的利润才能补偿1笔业务的损失。因此,对动产质押业务的风险管理研究显得极为迫切与需要。本文以ZC物流公司为研究对象。作为国家物资储备系统较早开展动产质押业务的传统物流企业,ZC物流公司在动产质押实践中出现了各种风险事件。如何在实践操作中防范风险,构建科学、有效的风险管理体系,是ZC物流公司动产质押业务开展必须解决的问题,也是本文研究的的根本出发点。本文运用流程分析、数据分析和案例分析等方法。首先,阐述了动产质押及风险管理的相关理论,并介绍了ZC物流公司开展动产质押业务的模式与优势；其次,从ZC物流公司动产质押业务的发展现状和风险事件着手,通过一元线性回归模型分析了ZC物流公司2008年至2013年间业务风险事件次数与客户数量、融资规模的相关性,并结合模型和数据分析,采用流程分析和案例分析方法,对调研评估、初始盘点、日常监管和解除监管四个高风险环节及其风险进行识别和分析,把各环节风险归纳为信用风险、市场风险、操作风险和合同风险等四大类,并简要分析四类风险的影响因素；最后,结合上述分析和公司实际,重点阐述了防控各环节风险的具体方法,并提出培育文化、提高意识、建全组织、人才培养等四个方面的保障措施。通过对动产质押业务风险管理的研究,本文旨在构建ZC物流公司有效的风险管理体系,希望本研究成果对国内同类物流企业动产质押业务风险控制有一定的借鉴和参考意义,对其他省局的国储物流公司转型升级有一定的示范作用。
[Abstract]:Small and medium-sized enterprises are an important force in the economic development of our country. Due to the problem of credit rating, banks are extremely cautious about lending to small and medium-sized enterprises. As a result, there is a dilemma: on the one hand, SMEs are "difficult to finance". There are serious funding problems; on the other hand, banks are "hard to borrow", empty large amounts of money but afraid to lend to small and medium-sized enterprises. The rise of chattel pledge supervision has become an effective means to solve this problem. Under the mode of pledge of movable property, enterprises get funds by pledge of movable property, bank loan business expands, and traditional logistics enterprises can excavate new profit points, which can be described as "killing three birds with one stone" and realizing a win-win situation among three parties. However, with the rapid development of business, the high risk of business is increasingly prominent, the average profit of 400 businesses can compensate for the loss of one business. Therefore, it is urgent and necessary to study the risk management of chattel pledge business. This paper takes ZC logistics company as the research object. As a national material reserve system, the traditional logistics company of ZC logistics company has appeared various risk events in the practice of chattel pledge. How to guard against risks in practice and build a scientific and effective risk management system is the problem that must be solved in the development of chattel pledge business of ZC logistics company, and is also the fundamental starting point of this paper. This paper uses flow analysis, data analysis and case analysis methods. First of all, it expounds the theory of chattel pledge and risk management, and introduces the mode and advantage of ZC logistics company to carry out chattel pledge business. Secondly, it starts with the development status and risk events of chattel pledge business of ZC logistics company. This paper analyzes the correlation between the number of business risk events and the number of customers and the scale of financing of ZC Logistics Company from 2008 to 2013 through a linear regression model. Combining with the model and data analysis, the method of process analysis and case analysis is used. To identify and analyze the four high-risk links and their risks of investigation and evaluation, initial inventory, routine supervision and deregulation, and to classify the risks in each link into four categories: credit risk, market risk, operational risk and contract risk. Finally, combined with the above analysis and the company's actual situation, the specific methods of preventing and controlling the risk in each link are expounded, and the cultivation culture, the awareness and the whole organization are put forward. Personnel training and other four aspects of security measures. Through the research on the risk management of chattel pledge business, this paper aims to construct an effective risk management system of ZC logistics company, hoping that the research results can be used for reference and reference significance for the domestic similar logistics enterprises to control the risk of chattel pledge business. Other provincial bureau of the National Reserve Logistics Company transformation and upgrading has a certain demonstration role.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F272.3;F259.23

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