物流金融业态及其运营模式演进研究

The Evolution of Logistics Financial Formats and Operational Modes

融资和风险管理问题是物流金融业态产生的内驱力,物流与金融的业务整合,形成新兴的物流金融业态,有效解决了中小企业迫切融资的需求问题,实现了物流企业、中小融资企业及银行等金融机构三方的共赢。提出了物流金融业态的概念;指出表征物流金融业态的多种运营模式,在演进过程中呈现出走向高端的态势,并分析了基于物流保险的运营模式、基于物流企业融资结算的运营模式、动产管理的运营模式、权利质押的运营模式、统一授信的运营模式、物流企业整合金融机构的运营模式等主要物流金融业态运营模式的特征。

Financing and risk management issues are the internal driving force of logistics financial formats is the logistics and finance functions of a business are integrated to form a new logistics financial format, which helps effectively meet financing demand of small and medium-sized enterprises, and result in a win-win situation of the logistics enterprises, small and medium-sized enterprises, as well as financial institutions such as banks. This article discusses the various operation modes of logistics financial formats, indicating a trend toward high-end and maturity in the evolution process. The dynamic operational modes is analyzed, including those based on the logistics insurance, movable property management, the pledge of rights, unified credit granting,integration between financial organizations and logistics enterprises, among others.