Research On The Logistics Finance Business Model And Risk Evaluation Of The Third Party E-Busness Plateform

Logistics Finance makes full use of the structural characteristics of the supply chain and the certainty of commodity trading, through the cooperation of bank and logistics enterprise to provide financial support for the SMES (SMES:small and medium-sized enterprises) in supply chain. Logistics Finance can achieve the win among three parts, it solves the problem of the SMES financing, it build the blue sea of logistics enterprises’ business, through the guarantees provided by the trading relationship in the supply chain and the control by logistics enterprises, it enhances the bank risk control and reduces the risk of bank loans. Because of these advantages, logistics finance has huge market potential and the rapid development, is becoming a new area of concern to the industry. Therefore, it is necessary to do a systematic research on the logistics finance business model and risk evaluation, to provide train of thought for innovation and development of the logistics finance.Most of the third party e-business plateform’s member is the SMES, these SMES are difficult to obtain bank loans due to the lack of fixed assets can be secured, imperfect financial systems, big operational risks etc. Present, difficulty in financing has become the main constraint on SME development. This article elaborates theories of logistics finance and the third party e-business plateform business model, then for the third party e-business plateform’s SMES, advances a logistics finance business model of the third party e-business plateform to solve the plateform’s SMES financing. The third party of e-business plateform use of information technology and network technology to provide networking all the way, and quick and easy and professional services, through the third party e-business plateform, logistics finance operators make the effective integration of the process design, product design, information processing, data processing and risk control, it is the innovation of logistics finance business model. Not only provides an online financing platform for SMES to enable SMES to use orders and inventory for financing, and provides an effective control of loan enterprises’ risk programs for bank, but also provides a new source of profits for logistics enterprises.Using both qualitative and quantitantive analysis, taking logistics finance operators and the risk of process into consideration, through the risk evaluation index of screening and determine the weight coefficient, this article advancs the logistics finance risk evaluation index system. It broken the original commercial bank’s static credit risk evaluation which only for a single enterprise, changing it into the entire supply chain risk evaluation, more emphasize on supply chain trade situation and the operational condition of the entire supply chain. Using fuzzy comprehensive evaluation method to establish the logistics finance risk evaluation model, then using a case to evaluate the risk of the logistics finance business model of the third party e-business plateform. On the one hand it proves this innovative business model risk is smaller than the traditional logistics finance business model, on the other hand, it analysis shows that this model is availability and maneuverability. Commercial banks can not only use the model to evaluate the degree of risk, but also can use the evaluation results to take appropriate risk prevention and control measures, to provide a meaningful reference and suggestions for the development and innovation of logistics finance and risk evaluation.