现代物流中融资担保的问题研究

Research on Financing Guarantee in Modern Logistics

近年来,现代物流企业飞速发展,短时间内处于国民经济中的重要地位。然而,与其他新兴的高速发展行业不同,物流企业一直不曾受到银行的青睐,处于融资难的尴尬境地。物流企业大都是轻资产,很难逾越银行放贷的高门槛。当下,我国物流企业融资过程中存在一系列问题,主要是融资担保法律法规存在立法空白、融资担保机构风险难以控制、担保机构内部管理不合理等原因综合作用的结果。在现代物流快速发展的今天,从企业内部与外部两方面积极采取措施,来解决现代物流企业融资担保困难的问题,对于促进我国经济发展具有重要意义。

In recent years,modern logistics enterprises have been developing rapidly and have been in an important position in the national economy for a short time.However,unlike other emerging industries with rapid development,logistics enterprises have never been favored by banks and are in an awkward position of financing difficulties.Most logistics enterprises are light assets,and it is difficult to exceed the high threshold of bank lending.At present,there are a series of problems in the financing of China,s logistics enterprises,which are mainly the result of the comprehensive effects of the legislative gaps in financing guarantee laws and regulations,the difficulty in controlling the risks of financing guarantee institutions,and the unreasonable internal management of guarantee institutions.Today,with the rapid development of modern logistics,it is of great significance to take active measures from both internal and external aspects to solve the problem of financing guarantee for modern logistics enterprises,which will promote China's economic development.