博弈论视角下第三方物流企业金融信用管理

近年来,物流金融作为一种新兴产业,具有解决中小企业融资难、开拓银行新业务、提高物流企业利润率的作用,因而得到了快速发展。第三方物流作为连接银行与融资企业的桥梁,其信用是保证整个交易顺利进行的保证。因此,对第三方物流的金融信用进行研究,将对物流金融的发展起到重要作用。本文对物流金融信用风险以及第三方物流企业面临的风险进行分析,以信息不对称为假设条件,构建了融资企业、物流企业和银行三方动态博弈模型。通过对博弈模型的分析,得出了以第三方物流企业金融信用为基础,有效地防止信用风险发生的条件;从第三方物流企业内在管理因素和外在环境因素两个方面建立金融信用评价体系,从而降低信用风险发生几率的结论。

In recent years, logistics finance has got rapid development, because it has the functions of solving the financing difficulty of small and medium-sized enterprises, opening up new businesses of the bank and improving the profit rate. The third party logistics, as a bridge between bank and enterprise, can guarantee the running of the whole transaction. Therefore, the research on the financial credit of the third party logistics will play an important role for the development of logistics finance. This paper analyzes the risks of logistics financial credit and the third party logistics enterprises, and constructs the dynamic game model of financing enterprises, logistics enterprises and banks with the assumption of asymmetric information. Through the analysis of the game model, we get the conditions of preventing the credit risks based on the third party logistics enterprise＇s financial credit, and get the conclusion to reduce the probability of credit risks from the financial credit evaluation system which is based on the internal management factors and external environmental factors of the third party logistics enterprises.