论“物流银行”在我国的发展

Study on the Development of Logistics Bank in China

"物流银行"是一种新型的物流增值服务,它是物流与金融结合的产物,有三种业务模式:代客结算、仓单质押和保兑仓。开展"物流银行"业务对提升我国第三方物流企业的服务价值,降低银行的信贷风险、提高银行贷款的资产质量,突破中小企业的融资障碍等具有显著的作用。但同时,"物流银行"这种新兴的金融业务也面临着来自仓单质押业务、中小企业和银行内部管理等多方面的风险,需要采取措施防范和规避。

As an innovative value - added service, ＂Logistics bank＂ is an integration product of logistics and finance. There are many advantages to develop ＂Logistics bank＂ in China, such as： promot/ng the service value of third-party logistics enterprises, reducing the credit risk of banks and breaking through the financing ＂bottleneck＂ for SMEs, etc. However, the ＂ logistics bank＂ is also faced with some new risks that result from the cargo-backed loans, SMEs business and bank＇s internal management, which is needed to take measures to evade.