Research On Risks Management Of Logistics Finance

As one of the main powers in national economy development,small and medium-sized enterprises are important component element of harmonious society. More than half of the small and medium-sized enterprises have been in trouble of loan for a long time.Recently,the financial crisis covering the world makes the matter worse and worse.Lots of small and medium-sized enterprises fall into crisis in survival on account of decreasing orders,over stocked products as well as broken funds chain.How to sovle the fund shortage has been becoming a hot subject.As a new means of financing,which is brisk in recent years,Logistics Finance has been transformed fi-om the relationship of debit and credit between traditional banks and minor enterprises into the relationship among banks,small and medium-sized enterprises and logistics enterprises.Due to its realistic meaning for minor enterprises, the aboved mode is widely used in the financial fields.Logistics Finance is an innovative value-added logistics services,coming into existence when logistics and finance are developing into a certain stage.Logistics Finance has been developing earlier in western countries,and its system and technology is advanced.In our country,as an innovative service product,Logistics Finance is still in the early stage.As a result,it also becomes a competitive field of expanding and strengthening logistics or financial enterprises.The development of Logistics Finance has changed the difficult situation in loan market and balanced the relationship between banks and minor enterprises.As the common demand for minor enterprises,financal institutions,and third-part logistics companies,to develop Logistics Finance can achieve the win among three parts.While the Logistics Finance service is explosing,there are radical changes in the risks of debit and credit.The traditional way of evaluation on finance risks can't meet with the request of logistics finance transaction.Consequently,this article is to reaserch the problems of the risk evaluation system's construction in a new way.In the article,after the background of Logistics Finance Risk in the first part,the theoretical basis of Logistics Finance Risk management is stated in the second part, presenting the concept,motivation and status about Logistics Finance.In the third part, it relates several basic modes of Logistics Finance business nowadays,and takes Qingdao Branch of Zhongchu Development Stock Co.,LTD.for example in order to analyze the benefits and risks brought by handling Logistics Finance business.The fourth part,in connection with the problem of deficient quantitative evaluation in studying logistics finance business,will establish a new risk evaluation model based on tripartitear rangement body and the combination between quantitative indicators and qualitative indicators by introducing the Muir-layered vague synthesis evaluation model.And in the fifth part,the new model is used to carry out a real instance for further analyses.It turns out that the new mode is of good practicability and scientificity,and can provide banks or other finanacial institutions with beneficial reference.Finally,in the view of different parts,it proposes some advisable suggestions against the risks in logistics finance transactions in order to contribute to the research in Logistics Finance Risk management in the future.