基于BP神经网络的仓单质押下物流金融风险评价研究

发布时间：2018-01-15 00:02

本文关键词：基于BP神经网络的仓单质押下物流金融风险评价研究　出处：《昆明理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国市场经济的发展,物流金融业务已经逐渐被商业银行和物流企业所重视,并逐渐成为了物流企业的一个创新性增值业务。物流金融业务能够使融资企业、物流企业、商业银行等参与方能够实现多方共赢。物流金融业务中最典型的融资方式就是仓单质押融资。仓单质押融资业务的开展,不仅能够解决融资企业的资金约束问题,保证银行放贷资金安全,还能够拓展物流企业的仓储监管服务,增加货源,提高竞争力,提高效益。仓单质押业务在国外已经成为了银行与融资企业之间资金融通的重要手段,也成为了物流企业仓储监管增值服务的重要组成部分。但我国仓单质押融资还处于初级阶段,其金融服务体系还未完善,并且该项业务涉及到多方主体之间复杂的法律关系以及操作运营环节的错综复杂等。因此在我国物流企业运用仓单质押业务模式开展物流金融服务的情况下,针对业务中所遇到的风险如何控制和防范则构成了本文研究的动机。本文从物流金融的概念、模式以及仓单质押的性质和法律关系出发,采用德尔菲法初步确定了物流企业仓单质押业务模式所面临的风险,主要包括以下四个部分,即融资企业风险、物流企业风险、银行风险、宏观系统风险。通过调查问卷的发放和收集,确定物流金融风险的初选评价指标体系,并通过SPSS19.0软件的运行得到了较高的信度和效度水平。然后运用BP神经网络理论构造出物流金融风险评价模型,对物流金融风险进行评价。最后,本文根据评估模型的指标要素及风险评价结果提出了防范风险的措施。分别从物流企业监管和运营风险控制、质押物本身风险控制、仓单质押运作技术风险控制、仓单单据风险控制、融资企业财务指标控制、环境风险防范这几方面提出控制防范风险的措施。本论文的研究有助于深入了解仓单质押的性质及风险指标因素,对银行、融资企业、物流企业在开展物流金融融资业务时的风险控制和风险防范有一定的借鉴作用,也为今后对该方向的风险研究提供了可以借鉴的素材。
[Abstract]:With the development of market economy in our country, the logistics financial business has been paid more and more attention by commercial banks and logistics enterprises. It has gradually become an innovative value-added business of logistics enterprises. Logistics finance business can make financing enterprises, logistics enterprises. Commercial banks and other participants can achieve a win-win situation. The most typical financing method in the logistics financial business is warehouse receipt pledge financing. It can not only solve the financial constraints of financing enterprises, ensure the security of bank lending funds, but also expand the warehousing supervision services of logistics enterprises, increase the supply of goods, improve the competitiveness. The business of warehouse receipt pledge has become an important means of financing between banks and financing enterprises in foreign countries. It has also become an important part of the value-added services of warehousing supervision in logistics enterprises. However, the warehouse receipt pledge financing is still in the primary stage in China, and its financial service system is not yet perfect. And the business involves the complex legal relationship between multiple parties and the complexity of the operation links. Therefore, in the case of logistics enterprises in our country using warehouse receipt pledge business model to develop logistics financial services. How to control and prevent the risks encountered in the business constitutes the motive of this paper. This paper starts from the concept of logistics finance, the model, the nature and legal relationship of warehouse receipt pledge. The paper uses Delphi method to determine the risk that logistics enterprise warehouse receipt pledge business model faces, mainly including the following four parts: financing enterprise risk, logistics enterprise risk, bank risk. Macro system risk. Through the issuance and collection of questionnaires, determine the primary evaluation index system of logistics financial risk. The high reliability and validity level are obtained through the operation of SPSS19.0 software. Then the logistics financial risk evaluation model is constructed by using BP neural network theory. Finally, according to the index elements of the evaluation model and the risk evaluation results, the paper puts forward the measures to prevent the risk, respectively from the logistics enterprise supervision and operational risk control. The risk control of pledge itself, the technical risk control of warehouse receipt pledge operation, the risk control of warehouse receipt document, and the financial index control of financing enterprise. The study of this paper is helpful to understand the nature of warehouse receipt pledge and risk index factors, to banks, financing enterprises. The risk control and risk prevention of logistics enterprises in the development of logistics financial financing business has a certain reference role, but also for the future risk research in this direction can be used for reference material.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F259.2;F832;TP183

【参考文献】