物流企业开展融资物流业务的运作模式及风险防范研究

The Study on Operation Model and Risk Prevention of Logistics Enterprises in Financing Logistics

融资物流是客户为了获得银行贷款,利用物流企业的物流信息和物流监管,对其处于流通中的商品、存货进行短期信贷的新的融资方式。作为一项新型业务,融资物流给物流企业带来了与以往不同的风险,认识并控制好这些风险是融资物流业务开展成功的关键。文章从融资物流概念的提出着手,分析了融资物流可运作的模式,即仓单质押、运输在途监管、保兑仓、信用证下货权质押和银行贷款等模式,探讨了物流企业开展融资物流业务存在的风险,并提出了相应的对策。

Financing logistics is a new financial pattern for customers with a view to obtaining bank loans, making short-term credit finan- cing which makes use of logistics information and supervision for its goods which is in circulation and in inventory. As a new business, fi- nancing logistics brings different risks. To know and control these risks are vital for financing logistics. This paper starts from the concept of financing logistics, analyses its available operation models such as warehouse list loans, goods loans in-transit monitoring, bonded Warehouse, goods loans under the credit and bank loans, inquires into the risks which the logistics enterprises are probably to face , pro- poses countermeasures to financing logistics.