物流金融发展趋势研究

The Study on Development Trend of Logistic Finance

资金周转是生产、流通企业的生命线。物流金融能将物流服务与金融服务有机结合为一体,同时也将物流与资金流有效结合在一起。发展物流金融是我国中小企业融资的需要,是第三方物流企业增强竞争力的需要,也是银行金融创新的需要。物流金融正是基于物流增值链中供应商、终端用户、金融机构及物流企业等各方的共同需要而产生和发展的。物流金融作为一种新型融资模式,正在成为金融机构和物流企业共同关注的目标。从近年来物流金融业务创新的发展趋势来看,目前我国的物流金融尚处于发展的初期阶段,主要从事单一货物质押,今后应朝着更为深入的供应链物流金融服务方向发展。从监管方面看,要从静态质押监管向动态质押监管方向发展;从客户方面看,要从流通型客户向生产型客户发展;从质物方面看,要从现货质押向买方信贷发展;从环节上看,要从单一环节向供应链全过程发展。

The author points out that the logistic finance can help to integrate logistic service with finance service. And at the same time, it can also help to integrate material flow with capital flow. The logistic finance is developed based on every part of logistic add-valued chains, including suppliers, terminal customers, financial institutions and logistic companies. Currently, logistic finance is in the budding period in our country, financial institutions and logistic companies should develop operational patterns and theories in their practical activities in order to make logistic financial grow from mortgage loan to supply chain finance and achieve common wins of different parts.