The Logistics Finance Credit Risk Management Research In Commercial Bank

Along with the development of logistics finance, it expanded the scales of commercial bank's loans, increased the intermediary business revenue, and strengthened the bank's competitiveness. But logistics finance has its own characteristics, and it shows a unique credit risk compared with conventional loans, so how to strengthen the assessment and control of the credit risk is of great importance. Based on the above background, this paper make a further research on logistics finance credit risks, and design credit risk assessment index system of logistics finance. Credit risk assessment model of logistics finance is constructed, and some suggestions on the credit risk management are puts forward.Firstly, the basic theories of logistics finance are analyzed. Combined with the actual situation of our country, the characteristics and basic operation models of the logistics finance services are summarized; it also provides the scientific foundation for assessment index system of logistics finance credit risk. Logistics finance theories and credit risk theories are combined and the concepts of credit risk of logistics finance are defined. The credit risk assessment model of logistics finance which based on the fuzzy comprehensive evaluation is raised.Secondly, traditional credit assessment index are revised and optimized through the analysis of the whole supply chain perspective. This assessment index system fully considered the intermediary function of the third-party logistics enterprises and operational status of logistics finance. It constructed the credit risk assessment index system of logistics finance, determined the index weight using AHP, and optimized the credit risk assessment index system of commercial bank.Again, logistics finance credit risk assessment model which based on the fuzzy comprehensive evaluation is constructed. Through such an accurate characterization, commercial banks can not only determine the risk degree, but also determine the limits of loans.Taking the logistics enterprises and pharmaceutical manufacturing enterprise in Tianjin as an example, this paper use SWOT analysis which proved the realistic feasibility of financing, and proved the feasibility and applicability of the model through this e positive analysis.Finally, this paper puts forward the suggestion that logistics finance credit risk management; it provides the strategy and operational mechanism for the development of logistics finance.