發(fā)布時間：2018-12-27 10:00

【摘要】：隨著我國經(jīng)濟(jì)的發(fā)展,物流業(yè)也在迅速發(fā)展,對于這個新興行業(yè)來說,融資難已成為了老大難問題,由于整個經(jīng)濟(jì)環(huán)境、國家政策、企業(yè)本身及銀行本身的問題,銀行對于物流企業(yè)采取“惜貸”態(tài)度,嚴(yán)重阻礙了這一朝陽行業(yè)的發(fā)展。自從中國加入WTO后,物流業(yè)的快速發(fā)展,物流企業(yè),尤其是外資物流企業(yè)進(jìn)入的數(shù)量在迅速增加,打破了物流業(yè)的傳統(tǒng)格局,并最終將促進(jìn)物流市場的發(fā)展。目前物流業(yè)市場競爭已經(jīng)形成,并且競爭將進(jìn)一步加劇。這就要求現(xiàn)代物流企業(yè)必須進(jìn)行服務(wù)創(chuàng)新,從提供傳統(tǒng)的物流服務(wù)向物流金融服務(wù)延伸,為客戶提供更多的增值服務(wù)。物流金融作為專門解決針對物流企業(yè)的融資業(yè)務(wù),越來越受到人們重視,但開展這項(xiàng)業(yè)務(wù)必須對其風(fēng)險進(jìn)行管理,建立獨(dú)立于傳統(tǒng)信貸的風(fēng)險管理體系。物流金融業(yè)務(wù)打破傳統(tǒng)商業(yè)銀行的授信模式,將會從一個新的視角評估企業(yè)會產(chǎn)生的各種風(fēng)險。擴(kuò)大的銀行客戶群體,會給銀行帶來諸多利益,同時也隨之帶來了信用風(fēng)險、市場風(fēng)險、操作風(fēng)險和管理風(fēng)險等各種潛在風(fēng)險。因此流金融業(yè)務(wù)能否順利成功開展的關(guān)鍵就是商業(yè)銀行如何有效控制風(fēng)險。 我國物流金融正處在方興未艾、快速增長時期。同時,世界經(jīng)濟(jì)發(fā)展的經(jīng)驗(yàn)告訴我們,物流和金融業(yè)務(wù)的融合發(fā)展將成為中國經(jīng)濟(jì)發(fā)展的一個新興的并且是不可逆轉(zhuǎn)的趨勢。中國有著特殊的經(jīng)濟(jì)環(huán)境和經(jīng)濟(jì)發(fā)展中出現(xiàn)的新問題,現(xiàn)在還還必須幫助有關(guān)各方找到一個雙贏、互惠互利的道路來發(fā)展物流金融。尤其是在目前條件下,國內(nèi)物流金融服務(wù)仍然面臨著許多問題,如風(fēng)險管理和控制信用評價體系的建設(shè)和信息網(wǎng)絡(luò)建設(shè)等等,這些都亟待解決。本文在對金融物流的概念進(jìn)行闡述的基礎(chǔ)上,對國內(nèi)外研究動態(tài)進(jìn)行總結(jié)歸納和回顧,再根據(jù)目前中國商業(yè)銀行發(fā)展物流金融業(yè)務(wù)的的現(xiàn)實(shí)情況,指出中國物流金融業(yè)務(wù)所面臨的各種風(fēng)險。之后對物流金融的各項(xiàng)主要運(yùn)營模式進(jìn)行闡述,分析其面對的具體風(fēng)險,運(yùn)用風(fēng)險管理的方法SWOT分析法對進(jìn)行分析,并提出風(fēng)險管理的建議。再以建設(shè)銀行開展的金融業(yè)務(wù)為例,闡述它的一些物流金融業(yè)務(wù),以一個案例為實(shí)例,并進(jìn)行相應(yīng)的風(fēng)險分析,最后提出出一些具體的政策建議。
[Abstract]:With the development of our country's economy, the logistics industry is also developing rapidly. For this new industry, the difficulty of financing has become a big problem. Because of the whole economic environment, the national policy, the enterprises themselves and the banks themselves, Banks to logistics enterprises to take a "loan-sparing" attitude, seriously hindered the development of this sunrise industry. With the rapid development of logistics industry since China's entry into WTO, the number of logistics enterprises, especially foreign-funded logistics enterprises, has been increasing rapidly, which has broken the traditional pattern of logistics industry and will eventually promote the development of logistics market. At present, the logistics market competition has been formed, and the competition will be further intensified. This requires modern logistics enterprises to carry out service innovation, from providing traditional logistics services to logistics financial services, to provide more value-added services for customers. As a special solution to the financing business of logistics enterprises, logistics finance has been paid more and more attention, but it is necessary to manage its risk and establish a risk management system independent of traditional credit. The logistics financial business breaks the traditional commercial bank credit mode, will evaluate the various risks that the enterprise will produce from a new angle of view. The expanded bank customer group will bring a lot of benefits to the bank, at the same time, it will also bring various potential risks such as credit risk, market risk, operational risk and management risk. Therefore, the key to the successful development of financial services is how to effectively control the risks of commercial banks. China's logistics finance is in the ascendant, rapid growth period. At the same time, the experience of the world economic development tells us that the integration of logistics and financial services will become a new and irreversible trend of China's economic development. China has a special economic environment and new problems in economic development, but it must also help the parties concerned to find a win-win, mutually beneficial way to develop logistics finance. Especially under the present condition, the domestic logistics financial service still faces many problems, such as the construction of the risk management and control credit evaluation system and the construction of the information network, all of which need to be solved urgently. On the basis of expounding the concept of financial logistics, this paper summarizes and reviews the domestic and foreign research trends, and then according to the current situation of Chinese commercial banks developing logistics financial business, The paper points out the various risks that China's logistics financial business faces. Then the main operating modes of logistics finance are expounded, the specific risks they face are analyzed, the risk management method is used to analyze the risk management method, and the suggestions of risk management are put forward. Taking the financial business of China Construction Bank as an example, this paper expounds some of its logistics financial business, taking a case as an example, and carries on the corresponding risk analysis, and finally puts forward some concrete policy suggestions.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.3;F259.2

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