Research On Credit Risk Evaluation Of Agricultural Product’s Logistics Finance

The rapid development of logistics industry is an important driving forcefor the new construction in rural areas of China, but the development of rurallogistics depend on enough money. At the same time, the enterprises whichproduct produce are also facing to the problem of shortage of money. Thelogistics financial service which combine logistic flow and capital flow cansolve the problem. So promoting the development of produce logistic financeis important for promoting the integration of logistics and funds effectively,alleviating agricultural produce enterprise pressure of the shortage of money,accelerating the construction of the modern agricultural product’s logistics inChina, promoting the rural economy.The paper tried to establish an scientific and complete evaluation systemwhich would be used for assessing the credit risk of agricultural product’slogistics finance and provide a method for bank to evaluate the agriculturalproduct’s enterprise which apply for money by building a model with usingFAHP. Firstly,the paper explained the related theory of the agriculturalproduct’s logistics finance and credit risk and introduced the operation modelsof agricultural product’s logistics finance. Secondly, The paper establishedthe index system which is used for evaluateing agricultural product’s logisticsfinance credit risk from four aspects: the credit risk of pledge,the credit riskof the enterprise which need money, the credit risk of3PL, the impact of themacroeconomic environment. The system was establish by analysising thenecessity of taking part in agricultural product’s logistics finance and thefactor of credit risk. Finally, The paper evaluated agricultural product’slogistics finance credit risk of XinSai by the model which was used forevaluateing agricultural product’s logistics finance credit risk and put forwardproposals to develop the level of agricultural product’s logistics finance.The paper used a variety of methods, for example, the integration of theory and survey, the integration of qualitative analysis and quantitativeanalysis. The evaluation index system was established by statistical analysis.Agricultural product’s logistics finance credit risk was evaluated byestabishing a model. The paper verified the availability of the system and themodel by using computer software. This study provided a certain referencevalue in the operation of agricultural product’s logistics finance.