金融危机背景下的供应链金融业务的风险应对机制——以仓单质押贷款业务为例

The Risk Based on Financial Crisis of Supply Chain Financial Services Coping Mechanisms

供应链金融业务,既有利于缓解企业生产经营过程中流动资金紧缺的问题,又有利于商业银行拓展业务范围,还能为第三方物流企业带来新的利润增长点,可谓多方共赢。在实践中,供应链金融在其市场推广过程中仍存在信息不对称等问题,金融业的态度谨慎,而金融危机又使供应链金融业务产生新的风险。因此,如何在新的经济条件下开展以仓单质押贷款业务为代表的供应链金融业务,研究应对风险的机制有着重要的现实意义。

Supply Chain Financial Services , not only helps to ease the process of enterprise production and management of liquidity shortage prob- lem, and it helps commercial banks to expand their business scope, but also for third-party logistics companies to bring new profit growth point, can be described as win-win situation. In practice, there are still issues such as information asymmetry in supply chain finance business. In the new economic conditions, how to carry out business of the supply chain financial services, the research of the mechanisms to cope with risks has important practical significance.