The Analysis Of The Risk Management About The China's Commercial Banks' Logistics Finance

Logistics finance is a new financing method, which is very active now. This method can transport the form of the traditional relationship between banks and enterprises into the form of tripartite relationships between the corporate, banks and logistics enterprises, which can provide financing support for SMEs.Logistics finance combines the logistics industry and the financing, which can make the real value-added to logistics service and banks. Compared with developed countries'logistics finance, China's logistics finance is at the exploratory stage. So, the logistics finance's future development will be very rapid, and it may become a new profit point to the financial industry. Furthermore, logistics finance enables SMEs, banks and the third party logistics can achieve the three-way benefit purposes.However, logistics finance is also facing many problems, such as the loans between bank and firm becoming a tripartite relationship between bank, firm and logistics. So, how to control the risk of logistics finance is very important for banks, and it is needed to improve the risk management of logistics finance.The main ideas and frameworks of this dissertation go as follows: Firstly, we analyses the concept of logistics finances, and give some features and the background about them, and describe some major basic model about China's logistics financial services.Secondly, we summarize some problems and risks about the logistics finance, and try to give some advice to commercial banks about how to prevent these risks. On this basis, we try to design the risk management model to tell commercial banks how to carry out logistics finance.Finally, we analyses a case about logistics company and a case about financing of a SMEs, and analyses the risk-benefit of"confirmed warehouse"and"chattel mortgage", and design a comprehensive credit program, wish to give some advice to the risk management program of commercial bank credit business.