2010281413-杨琛-物流中心仓单质押可视化运营管理系统设计.docVIP

物流中心仓单质押可视化运营管理系统设计 杨琛 （交通学院 物流工程专业 2010级 物流本 1001班 20102814135） 摘要：仓单质押是传统物流企业向现代化物流企业发展中所延伸出的一项新兴金融产品，是物流金融的主要模式之一，是近期所形成的一种覆盖面广的综合型业务类型。在此种业务中，申贷企业将自身所持货物仓单抵押给银行获取贷款，银行将抵押的货物委托给第三方仓储公司进行保管和监控。通过此项业务可以解决企业的融资问题，使企业更好地进行规模扩大和运营能力提升。 而在此项业务中又存在着多重风险，其中主要包括客户资信风险、单证风险、法律风险、质押物管理风险以及质押率风险等一系列危害客户、银行、第三方物流公司切身利益的未知因素。从而使得仓单质押业务在国内发展缓慢，造成了企业向银行借贷难、银行向企业追索难、第三方物流企业赔付难等问题。某些时候还存在着责任划分不明确的问题。因此将可视化管理模式引入仓单质押业务中即可规避此类风险又可以提高仓单质押业务在国内的发展水平。 本文主要分析了仓单质押业务中可能存在的风险以及风险性成因素。设计基于WEB的可视化管理系统，应用于仓单质押业务，从而对上述风险因素进行有效控制。 关键词：仓单质押；可视化；风险控制；运营管理系统 The Operations Management System Study of Distribution Centre Pledge by Warehouse Receipts Visualization Yang Chen (School of Transportation , Logistics Engineering , Wuliuben1001 Grade2010, 20102814135) Abstract:Pledge by warehouse receipt is one of the main patterns of logistics finance, as well as one product extended from the development of traditional logistics company to modern counterpart. It is a well-covered comprehensive business, which is created recently. The company that needs money pledge its warehouse receipts to banks for funds and banks commission a third-party warehouse company for custody and monitoring. By this business, companies can deal with their financing problem, which could improve its scale and operational ability. However this business has many multi-risks, including credit risks of clients, risks of documents, risks of law and regulations, risks of management of goods on pledge and risks of pledge rate. All of these risks are unsure factors that can curtail the benefits of clients, banks and third parties. This is the reason why pledge by receipts developed slowly in China. Furthermore, the slow development causes the difficulties, in return, such as difficulty of loan from banks, of recourse from companies and of compensation from third-party logistics enterprise. Sometimes there are problems about unclear responsibility. Thus, the introduce of visual managerial pattern can evade these risks and enhance t