公路运力供应链金融信用传递因素研究

Research on Key Parameters of Enterprise Credit Flow-through in Freight Transport Chain Financing

“中小微”运力企业融资难一直是困扰我国运输业发展的问题,文章结合扎根理论研究运力供应链金融信用传递影响因素,建立“主体信用+交易信用+监管信用”的信用传递体系,激励运力企业守信、履约,实现“中小微”运力企业的信用提升,达到融资的目的。

The difficulty of obtaining financing by micro,small and medium-sized freight transport chain(FTC)enterprises without strong credit has always been one of the speed bumps that constrained the further growth of Chinese logistics and transportation industry.This paper utilizes the grounded theory and discusses key parameters when evaluating enterprise credit flow-through in freight transport chain financing(FTCF);and how to secure financing for those firms with weak credit by“borrowing”credit from their clients with stronger credit through showing lenders their healthy transaction history.Those firms’“entity credit”then get boosted by the strong“transaction credit”in addition to the in-place“regulation credit”.This ecosystem,“entity credit+transaction credit+regulation credit”,allows weak credit FTC firms to grow their credit by lowering their default rates and committing themselves to the with their clients.