本文選題：第三方物流 + 融通倉�。� 參考：《福州大學(xué)》2013年碩士論文

【摘要】：在我國國民經(jīng)濟(jì)發(fā)展中,中小企業(yè)起到重要的作用,但資金短缺是制約企業(yè)發(fā)展的“瓶頸”之一,所以當(dāng)前中小企業(yè)所面臨最棘手的問題就是融資難。由于金融危機(jī)的影響,基于核心競爭力、成本控制等因素的考慮,越來越多的制造型企業(yè)或生產(chǎn)型企業(yè)開始對(duì)物流等非核心業(yè)務(wù)進(jìn)行外包。我國物流市場競爭激烈,經(jīng)常實(shí)施價(jià)格戰(zhàn)來搶奪市場,但是卻削薄了企業(yè)利潤,而且物流行業(yè)高度分散,難以發(fā)展壯大,嚴(yán)峻的形勢迫使物流企業(yè)拓展專業(yè)化的物流服務(wù)。針對(duì)中小企業(yè)融資難的困境,物流企業(yè)開展融通倉作為一種新的物流服務(wù),將是廣大中小企業(yè)融資的重要途徑之一,已越來越受各界企業(yè)的青睞。首先,本文在研究國內(nèi)融通倉理論基礎(chǔ)上,分析融通倉融資服務(wù)中的企業(yè)信用評(píng)估、質(zhì)押物選擇以及質(zhì)押物監(jiān)管過程,并定性分析在服務(wù)過程中所產(chǎn)生的風(fēng)險(xiǎn)。該文在信用風(fēng)險(xiǎn)和質(zhì)押物風(fēng)險(xiǎn)的評(píng)估上分別采用不同的方法。融通倉服務(wù)中企業(yè)信用受供應(yīng)鏈上下游企業(yè)的影響,由于傳統(tǒng)信用評(píng)價(jià)體系的局限性,本文加入供應(yīng)鏈運(yùn)營因素,采用模糊綜合分析法評(píng)價(jià)模型評(píng)估企業(yè)信用水平,而后將新指標(biāo)體系與傳統(tǒng)指標(biāo)體系的結(jié)果相比較,以證實(shí)新指標(biāo)體系的合理性。在質(zhì)押物風(fēng)險(xiǎn)上,本文通過VaR法中的參數(shù)法客觀地衡量出質(zhì)押物在質(zhì)押期內(nèi)的價(jià)值風(fēng)險(xiǎn),并給出相關(guān)檢驗(yàn)指標(biāo)以檢驗(yàn)VaR值的合理性,質(zhì)押物VaR值的結(jié)果也為物流企業(yè)制定貸款額度提供科學(xué)的依據(jù)。最后,本文以廈門速傳物流企業(yè)開展融通倉業(yè)務(wù)為例,分析現(xiàn)有的融通倉融資的運(yùn)作模式、服務(wù)流程以及企業(yè)所面臨的風(fēng)險(xiǎn)。通過實(shí)證分析了模糊綜合分析法在對(duì)客戶企業(yè)信用評(píng)價(jià)上的應(yīng)用,采用大量歷史數(shù)據(jù)運(yùn)用在VaR模型中以估算質(zhì)押物的風(fēng)險(xiǎn)值,進(jìn)行合理性檢驗(yàn),并結(jié)合企業(yè)實(shí)際情況,為該企業(yè)開展融通倉服務(wù)提出嚴(yán)格信用審核、限制貸款額度、加強(qiáng)質(zhì)押物合規(guī)化檢查等4個(gè)防范措施,以保障融通倉服務(wù)的順利進(jìn)行。
[Abstract]:In the development of our national economy, SMEs play an important role, but the shortage of funds is one of the "bottlenecks" restricting the development of enterprises, so the most difficult problem faced by SMEs is the difficulty of financing. Due to the influence of financial crisis, more and more manufacturing enterprises or production enterprises begin to outsource non-core business, such as logistics and so on, based on the consideration of core competitiveness, cost control and other factors. The competition of logistics market in our country is fierce, and the price war is often carried out to seize the market, but the profit of the enterprise is reduced, and the logistics industry is highly dispersed and difficult to develop. The severe situation forces the logistics enterprise to expand the specialized logistics service. As a new kind of logistics service, logistics enterprises will be one of the important ways for SMEs to finance, which has been more and more favored by enterprises from all walks of life. First of all, on the basis of the domestic finance warehouse theory, this paper analyzes the enterprise credit evaluation, pledge selection and pledge supervision process, and qualitatively analyzes the risks in the service process. This paper uses different methods to evaluate credit risk and pledge risk. The enterprise credit is influenced by the upstream and downstream enterprises in the finance warehouse service. Because of the limitation of the traditional credit evaluation system, this paper adds the operational factors of the supply chain, and uses the fuzzy comprehensive analysis method to evaluate the enterprise credit level. Then the results of the new index system and the traditional index system are compared to verify the rationality of the new index system. On the risk of pledge, this paper objectively measures the value risk of pledge in the pledge period by using the parameter method in VaR method, and gives the relevant test index to test the rationality of VaR value. The result of VaR also provides scientific basis for logistics enterprises to make loan quota. Finally, this paper takes Xiamen express logistics enterprise as an example to analyze the operation mode, service flow and the risk faced by the enterprise. Through the empirical analysis of the application of fuzzy comprehensive analysis to the credit evaluation of customer enterprises, a large number of historical data are used in VaR model to estimate the risk value of pledged goods, and to test the rationality, and combined with the actual situation of enterprises. This paper puts forward four preventive measures for the enterprise to carry out the financial warehouse service, such as strict credit examination, limiting the loan quota and strengthening the compliance inspection of the pledge, so as to ensure the smooth progress of the financing warehouse service.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F253.7;F259.23

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 宮艷;;中小企業(yè)融通倉融資模式研究及其局限性分析[J];市場周刊(理論研究);2007年10期

2 張凱;董千里;尚鴻雁;;中小貿(mào)易企業(yè)融通倉融資模式應(yīng)用研究[J];物流技術(shù);2008年08期

3 李碧珍;融通倉:中小企業(yè)融資的新思路[J];商訊商業(yè)經(jīng)濟(jì)文薈;2005年03期

4 陳祥鋒,石代倫,朱道立,鐘頡;倉儲(chǔ)與物流中的金融服務(wù)創(chuàng)新系列講座之一 融通倉的由來、概念和發(fā)展[J];物流技術(shù)與應(yīng)用;2005年11期

5 何志華;;融通倉的發(fā)展創(chuàng)新所帶來的思考[J];商業(yè)文化(學(xué)術(shù)版);2007年07期

6 范魏n，

本文編號(hào)：2104837