基于第三方物流的订单融资业务模式及其风险分析.PDFVIP

1 基于第三方物流的订单融资业务模式及其风险分析 1，2 2 2 邓爱民 ，熊剑 ，张凡 （1.湖南大学 工商管理学院；2.湖南大学 中德交通运输与物流研究中心，湖南，长沙，410082 ） 摘要：基于第三方物流的订单融资业务模式对中小企业、第三方物流与金融机构（银行）三方共赢 具有重要的理论与实践研究意义。本文探讨了订单融资业务模式中的基本要素与基本特征；深入分析了 该模式中金融机构（银行）、第三方物流、下订单方（核心企业）与完成订单方（中小企业）的供应链关 系及业务工作流程；继而进一步剖析了第三方物流企业在订单融资中扮演的中小企业融资担保方与银行 代理监管方双重角色作用；以及金融机构（银行）来自供应链成员，包括第三方物流、下订单方与完成 订单方等面临的订单融资风险因素；提出了一一对应的风险控制对策。 关键词：供应链金融；物流金融；第三方物流；订单融资；融资风险；风险控制 中图分类号：C93 F83 文献标识码：A 文章编号： The Order Financing Business Model and Risk Analysis Based on TPL 1,2 2 2 Deng Aimin , Xiong Jian ,Zhang Fan (1. Business School , Hunan University. Changsha 410082, China 2. Sino-German Research Center for Transportation and Logistics. Hunan University. Changsha 410082, China) [Abstract] It is important theoretical and practical significance for the order financing business model to realize three parties, small and medium enterprises, the third party logistics and financial institutions (bank) to be win based on the third party logistics (TPL). This paper discusses the basic elements and basic characteristics of the order financing business model; Analyzes deeply the supply chain relationships and operation flow of the mode’s the financial institution (bank), the third party logistics, the order party (the core enterprise) and the complete the order party (small and medium-sized enterprises); And then further analyzes the dual role of TPL as the assurance provider of the financing small and medium-sized enterprise and the agency regulator of the bank;