本文選題：金融物流　切入點：變遷　出處：《西安建筑科技大學》2012年碩士論文

【摘要】：金融物流是物流服務(wù)與金融服務(wù)相結(jié)合的產(chǎn)物，是銀行和第三方物流企業(yè)進行業(yè)務(wù)創(chuàng)新的產(chǎn)物，能夠為銀行和第三方物流企業(yè)帶來新的利潤增長點，能夠緩解中小企業(yè)融資難的問題，盤活原材料、產(chǎn)成品的資金占用。 我國金融物流的發(fā)展正處于起步階段，同國外相比，無論是在體制、技術(shù)、規(guī)模還是理論研究上，都比較落后。已有的研究大多集中在定性層面上，只注重模式研究，忽略了主觀信用風險控制方面的研究；在模式研究上，對金融物流范圍的界定有點狹隘，只從單個節(jié)點或者單一供應(yīng)鏈的角度來研究金融物流模式。為了使金融物流在我國更好的推廣，發(fā)揮其對中小企業(yè)、第三方物流企業(yè)、銀行以及國民經(jīng)濟發(fā)展的貢獻，本文選此主題進行研究。本文在前人研究的基礎(chǔ)上，，將金融物流的研究視角擴展到整個經(jīng)濟網(wǎng)絡(luò)中，首先從物流和金融制度兩個方面全面的分析了金融物流變遷的過程，并總結(jié)出金融物流變遷的動因有經(jīng)濟因素、政治因素、物流政策因素、科技進步因素、物流服務(wù)內(nèi)容的市場需求因素。其次，從供應(yīng)鏈上和供應(yīng)鏈外兩個方面來全面的研究金融物流的發(fā)展模式，并從微觀操作、宏觀效應(yīng)和與傳統(tǒng)融資模式的比較三個方面對該模式進行了分析。無論金融物流的發(fā)展模式有多少，具體的業(yè)務(wù)操作如何千差萬別，萬變不離其宗的是銀行必須掌控融資企業(yè)的貨權(quán)，保持商品總值對融資敞口的保障效應(yīng)。金融物流在具體運作過程中會存在一定的客觀風險，如質(zhì)押品選擇風險、質(zhì)押監(jiān)管風險等。再次，論文指出了金融物流三方參與主體的關(guān)系有互利互惠關(guān)系和博弈關(guān)系，通過構(gòu)建三方參與主體的博弈模型，定量的分析了一些因素對金融物流業(yè)務(wù)主觀信用風險產(chǎn)生的影響，并結(jié)合案例進行分析驗證。最后，在上述研究的基礎(chǔ)上提出了促進我國金融物流健康發(fā)展的政策建議。
[Abstract]:Financial logistics is the product of the combination of logistics service and financial service. It is the product of business innovation of banks and third-party logistics enterprises. It can bring new profit growth point for banks and third-party logistics enterprises.Can ease the financing difficulties of small and medium-sized enterprises, invigorating raw materials, finished products of capital occupation.The development of financial logistics in China is in its infancy. Compared with foreign countries, it is relatively backward in terms of system, technology, scale and theoretical research.Most of the existing studies focus on qualitative aspects, only pay attention to the model research, ignoring the subjective credit risk control research; in the model research, the definition of financial logistics scope is a little narrow,Only from a single node or a single supply chain to study the financial logistics model.In order to promote the financial logistics in our country and give full play to its contribution to the development of small and medium-sized enterprises, third party logistics enterprises, banks and the national economy, this paper chooses this topic to study.Based on the previous studies, this paper extends the research perspective of financial logistics to the whole economic network. Firstly, it analyzes the process of financial logistics change from two aspects: logistics and financial system.The causes of financial logistics change include economic factor, political factor, logistics policy factor, scientific and technological progress factor, market demand factor of logistics service content.Secondly, the development model of financial logistics is studied from two aspects of supply chain and outside supply chain, and it is analyzed from three aspects: micro operation, macro effect and comparison with traditional financing mode.No matter how much the development mode of financial logistics is and how different the specific business operation is, it is necessary for banks to control the cargo rights of financing enterprises and to maintain the safeguard effect of total commodity value on their exposure to financing.There are some objective risks in the process of financial logistics, such as the risk of the choice of pledge, the risk of supervision of pledge and so on.Thirdly, the paper points out that the relationship between the three parties involved in financial logistics has the relationship of mutual benefit and game.Quantitative analysis of the impact of some factors on the financial logistics business subjective credit risk, and combined with the case analysis to verify.Finally, on the basis of the above research, the paper puts forward some policy suggestions to promote the healthy development of financial logistics in China.
【學位授予單位】：西安建筑科技大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F252;F832.2

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