物流管理专业本科论文_浅析仓储金融业务模式——以南储公司的仓单质押融资为例..docVIP

浅析仓储金融业务模式——以南储公司的仓单质押融资为例  摘要：近年来，我国物流行业发展迅速，更是带来了仓储金融业的春天，已经形成了一个以融资企业、商业银行和物流企业三方合作为主体、资金流与物流互相匹配、相对较为完整的仓储金融体系。从学习国外经验、引进国外技术到拥有结合中国国情的仓储金融运作模式，我们已进步成足。然而与国外成熟的物流金融环境，先进的仓储融资运作模式相比仍有差距，现仍处在质押物品种涵盖少、融资对象保守、作业标准不统一的中期发展阶段。本文主要分析我国仓储金融的发展模式以及结合自己在南储公司的实习经历浅析仓储融资业务的基本要素和业务控制模式，并试提出了就质押物选择、监管方式、风险控制等方面改善我国仓储金融服务业的建议。 关键词：质押物；仓储融资；仓单质押；风险控制 Analysis the Chinese Warehousing Financing Model——Take the Nanchu’s Warehouse Receipt Pledge Financing for Example Abstract: In recent years, our countrys logistics industry is developing rapidly, especially for the warehousing financing industry, we have been formed a relatively completely warehousing financing system which that corporate, commercial banks and logistics companies tripartite cooperation as the main body, money flow and logistics match each other. We have made ??great progress and ourselves warehousing financing model combined with Chinese national conditions, because we learn from foreign technology and experience. However, we still have the gap compared with the mature logistics finance, advanced warehousing financing model, we still in the interim stage of development that the pledged collateral’s breed scantily, conservative finance objects, operating standards are not uniform. This paper mainly analyses the Chinese warehousing financing model and combining the Nanchu internship experience on the basic elements of the warehouse financing activities and operations control mode, and try to make some suggestions about making choice of pledged collateral, the way of supervision and the risk controls to improve Chinese Warehousing Financing. Keywords: Pledged collateral; Warehouse financing; Warehouse receipt pledge; Risk control 在整个物流业被称为第三利润源泉的大经济环境下，人们对物流、资金流、信息流的匹配要求越来越高，供应链的竞争愈加激烈。商品融资对银行来说是一种新的信贷业务，而银行缺乏对质押品的专业管理，需要借助仓储公司的服务来降低风险；资金缺乏的中小企业信用等级较低，可用抵押的固定资产较少，融资渠道狭窄；第三方物流企业渴求发展新的物流金融业务。在这三方诉求的背景下，仓储金融服务业必然迎来了发展的机遇。自上个世纪九十年代仓储金融服务概念进入我国以来，已得到充足发展并形成较为完整的行业体系。如何正确认识现阶段我国仓储金融服务业发展状态、与国外仍存在哪些差距哪些问题、怎样去优化仓储融资过程中的实际操作