导　　师： 董振宁

学科专业： 1201

授予学位： 硕士

作　　者： ;

机构地区： 广东工业大学

摘　　要： 物流金融是物流与金融相结合的产品,其不仅能提高第三方物流企业的服务能力、经营利润,而且可以协助融资企业拓展融资渠道,降低融资成本,提高资本的使用效率。中小企业,特别是民营企业的快速发展已经成为推动中国经济前进的重要力量。然而,由于这些企业自身固定资产很少、规模较小且信用度并不高,其发展遇到了人才、技术、资金等诸多瓶颈,尤其是资金短缺已经成为限制中小企业发展的主要障碍。当第三方物流兴起后,凭借其自身专业的物流服务及监管能力,可以盘活企业暂时闲置的原材料和产成品的资金占用,成为物流金融业务发展的主要推动者,使中小企业货物质押成为可能,优化企业资源。因此物流金融业就不可或缺的产生了。 在动态质押融资业务中,质押物作为融资企业还款的保证,其风险的大小对于保障银企各方利益具有重要影响。由于每笔业务的风险大小各不相同,金融企业和物流企业在业务收费的决策过程中需要结合其风险大小进行差别定价。 本文首先构建对于质押业务的风险评价模型,对于质押业务的风险评价从以下四个方面进行：企业资信状况、质押物变现风险、价格稳定性以及品质变化风险。在上述四个一级指标中细化出若干二级指标构成业务风险等级评价指标体系,并详细阐述每个二级指标的评价方法；然后根据层次分析法,运用专家打分对各相关二级指标两两比较其重要程度,得出判断矩阵,从而确定其各自权重,依此计算每笔业务风险得分后,参照得分表确定出该业务的风险等级。 在统一授信模式下的动态质押融资业务中,物流企业因为提供担保服务,并承担一定风险,因而需要收取一定费用。对于质押融资业务的担保服务定价方法为首先计算基准费用,基准费用根据业务规模大小不同收费不同；然后� Logistics finance is the combination of logistics and financial products, it can not only improve the third party logistics service capabilities, operating profit, but also can help enterprises to expand the financing channels, reduce financing cost, improve efficiency in the use of capital. Small and medium-sized enterprises, especially the rapid development of private enterprises has become an important force in promoting economic progress. However, because these enterprises are short of fixed assets, small-scale and low-credit degree, its development has encountered talent, technology, capital and other bottlenecks, especially the shortage of funds has become the major obstacle. When the rise of the third party logistics, logistics service and supervision by virtue of its own professional ability, can make an inventory of enterprises temporarily idle raw materials and finished products in occupation of funds, has become the main promoter of the development of logistics financial services to small and medium enterprises, pledge of goods become possible, and optimize enterprise resource. So the logistics finance is an indispensable produced. In the dynamic pledge financing business, the pledge as enterprises repayment guarantee, the risk has an important influence on the security interests of all parties. Because the size of each business risk can varies, financial enterprises and logistics enterprises need to combine their risk by differential pricing in the decision making process of service charges. Firstly, to build the risk assessment model of pledge business, following four aspects: corporate credit conditions, the collateral liquidation risk, price stability and quality change risk.In the four first level indicators refining business risk grade evaluation index system composed of two indicators, and detailed evaluation indexes for each of two; then according to the analytic hierarchy process, using the comparative importance of the expert scoring two level index two obtains the judgment matrix, so

关 键 词： 物流金融 动态质押 融资 风险等级 担保定价

领　　域： [经济管理] [经济管理]