物流金融风险管理全过程

The Whole Process of Logistics Finance Risk Management

物流金融的发展对于应对金融危机,缓解国内中小企业资金压力具有重要意义,同时对于提高物流企业盈利能力具有积极作用。本文按照风险识别、评估和处理的三阶段模型展开研究。在风险识别环节,本文研究归纳出15个物流金融业务风险影响因子,建立起具有较好一致性和稳定性的物流金融风险指标体系;在风险评估环节,运用BP神经网络模型构建了评估模型,采集了7组物流金融风险样本,经过仿真和检验,建立起物流金融风险评估模型;在风险处理环节,本文归纳并研究了管理型和财务型风险处理方法在物流金融风险处理上的运用。本文研究成果对银行、融资企业、物流企业规避物流金融风险具有指导意义。

The development of logistics finance is of great significance in dealing with financial crisis confronted by small and medium-sized enterprises, at the same time it also plays important role in implementing the Plan of Revitalization of Logistics Industry approved by the State Council of China and improving the profitability of logistics enterprises. This paper focuses on logistics finance risk identification, assessment and treatment. Regarding risk identification, this paper summarizes 15 affecting factors of the logistics finance risks and ultimately introduces a set of logistics finance risk evaluation indicators. Risk assessment is the core of risk management of logistics finance and also the focus of this paper. This paper sets up a risk assessment model for logistics finance based on BP neural network, and then collects seven groups of samples of logistics finance risks. Finally, a risk assessment model of logistics finance is established. In risk treatment, this paper studies the application of financial and operational approaches in the treatment of logistics finance risks. This study provides important guidance for banks, logistics, and manufacturing and distribution companies to get rid of financial risks.