仓储物流企业信用管理研究

发布时间：2018-04-28 04:41

本文选题：企业信用管理 + 仓储物流　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：物流企业的信用交易,是指按照合同要求,允许用户或物流需求者在一定的信用等级基础之上,可以通过延期或者分期偿还的方式来获取企业所急需的各项服务、资金、信用资本等。这种交易形式属于物流金融的一种,属于一种将金融与物流相结合的创新型服务产品,在国内,最初对此并未形成一个完整概念定义。有称之为物流金融或金融物流,现在一般采用第二种定义方式。对于物流企业而言,物流金融有利于促进商品在整个商品服务流通环节的有效运作,实现在融资、结算、保险中的风险有效防范与控制。物流金融的快速发展也是源于近几年来国内市场的不断扩大,相对限制减少,以及国家、政府的鼓励政策使得中小企业市场打开,数量、规模都得到空前的壮大与发展,但是,相关数据统计,能够顺利获得银行融资贷款的却只有16%不到的企业,这项数据与其发展规模产生巨大反差,也导致了供需层面的不协调,一定程度上限制了许多发展前途向好但资金不足的创新型中小企业。中小企业因为缺乏足够的信用记录及抵押资金,在向银行申请融资时会遇到诸多问题,而着力于解决中小企业融资难的创新金融产品则应运而生。这其中也必然会涉及存在的信用风险问题,且信用风险贯穿始终,而因为外部环境、企业内部环境各有不同,风险类别、类型也呈现出多样化、多元化的趋势,因此不能将其归类为简单的问题清单或机械堆砌过程。本文主要研究对象为仓储物流企业,其信用管理交易机制属于物流金融下的一个分支。那么,如何将物流与银行两者的业务成功融合,实现利润新的增长都将是我们所要探讨研究的重点话题。本文将着重讨论仓储物流企业信用服务方面的现状及面临的诸多难题,运用多种方式方法分析挖掘其风险产生的根本原因,并提出相关对策,探究一套适用于我国企业的信用风险控制与防范方式,以保证企业内部资源能够得到最大限度的有效利用,也期望能够降低信用风险发生的几率。
[Abstract]:The credit transaction of a logistics enterprise means that, in accordance with the requirements of the contract, users or logistics demanders may, on the basis of a certain credit rating, obtain all kinds of services and funds urgently needed by the enterprise by way of extension or amortization. Credit capital, etc This form of transaction belongs to one kind of logistics finance, belongs to a kind of innovative service product which combines finance and logistics. Some are called logistics finance or financial logistics, now generally adopt the second definition. For logistics enterprises, logistics finance is helpful to promote the effective operation of commodities in the whole circulation of goods and services, and to realize the effective prevention and control of risks in financing, settlement and insurance. The rapid development of logistics finance also stems from the continuous expansion of the domestic market in recent years, the reduction of relative restrictions, and the encouragement policies of the state and the government to open up the small and medium-sized enterprises market, the quantity and scale of which have been expanded and developed unprecedentedly, but, According to relevant statistics, only less than 16% of enterprises can successfully obtain bank financing loans. This data is in sharp contrast to the scale of their development, which also leads to disharmony between supply and demand. To some extent, many innovative small and medium-sized enterprises which have a good future but lack of funds are limited. Due to the lack of sufficient credit history and mortgage funds, SMEs will encounter many problems in applying for financing from banks, and innovative financial products which focus on solving the financing difficulties of SMEs have emerged. This will inevitably involve the problem of credit risk, and the credit risk runs through all the time, and because of the external environment, the internal environment of the enterprise is different, the types and types of risk also show a trend of diversification and diversification. Therefore, it cannot be classified as a simple list of questions or a mechanical stacking process. The main research object of this paper is warehouse logistics enterprise, its credit management transaction mechanism belongs to a branch of logistics finance. Therefore, how to integrate logistics and banking business successfully and realize the new growth of profit will be the key topic of our research. This paper will focus on discussing the present situation of the credit service of warehousing logistics enterprises and the difficulties they face, using various methods to analyze and excavate the root causes of their risks, and put forward some relevant countermeasures. This paper explores a set of credit risk control and prevention methods suitable for Chinese enterprises in order to ensure the maximum effective utilization of internal resources and to reduce the probability of occurrence of credit risk.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F259.23;F253.7

【参考文献】