Research On The Logistics Financial Service Pattern And The Risk Management

Since China's accession to the WTO, the logistics industry has been developing rapidly, and the numbers of the logistics enterprises have increased rapidly. Particularly for foreign logistics enterprises' access rapidly, the traditional pattern of the logistics industry has been broken. The logistics market has been prompted, and the market competition has been formed and will further intensify. These all will require traditional logistics enterprises to restructure to a modern logistics enterprise and will force logistics enterprises to innovate the services, and require traditional logistics services extend to the logistics financial services to providing our customers with more value-added services. More importantly, through the development of the logistics financial services business, logistics enterprises not only consolidate the old client relationship and opening up new markets for services and became a new profit growth point, but also raise the logistics enterprises appeal to help reach a logistics enterprises competitive edge in the market.This paper introduces the concept of the logistics financial, said the logistics financial involved three entities : logistics enterprises, customers and financial institutions, logistics enterprises and financial institutions join together to provide finance for the customers. Then, the paper gives the contents and components of the logistics financial and the developments of the logistics financial at home and aboard. Then the paper details the background of logistics financial emergence and the emergence of the logistics financial is the common needs of the third-part logistics enterprises, financial institutions and the small and medium-sized enterprises. At present, China has large number of small and medium-sized enterprises, small and medium-sized enterprises(SMEs) can not develop without a healthy financial support, but as capital demand side, SMEs often "want to get a loan but can not get"; on the other hand, financial institutions ,who can provide financing , is "want to lone but dare not to loan ". The paper detailly analysis the reason of the occurrence of such a contradictory in the policy asset, the environment asset and the SMEs, financial institution's own. And then, the paper gives the current more popular resolve to this contradiction. The method is to carry out logistics financial business, in other words , logistics enterprises will be joined into the operational activities, and to real a situation of three assets' win. Next, the paper focused on the business process analysis of current popular logistics financial business in the home and aboard. Logistics financial business mainly divided into two major categories : the mode of capital operation related to the financial institutions and the mode of assets operation unrelated to the financial institutions, then gives the business process analysis to several kinds of popular businesses in these two modes . On this basis, each mode is given the SWOT analysis, a detailed analysis of each mode in practical application, the advantages and disadvantages, the risks of using these modes then gives the risk management strategy. The research of this paper can be a reference of the third part logistics enterprises, the financial institutions, the SMEs when they engage in the logistics financial business in the future.