Study On The Dynamic Pledge Financing Of Risk Grade And Pricing Guarantee

Logistics finance is the combination of logistics and financial products, it can not only improve the third party logistics service capabilities, operating profit, but also can help enterprises to expand the financing channels, reduce financing cost, improve efficiency in the use of capital. Small and medium-sized enterprises, especially the rapid development of private enterprises has become an important force in promoting economic progress. However, because these enterprises are short of fixed assets, small-scale and low-credit degree, its development has encountered talent, technology, capital and other bottlenecks, especially the shortage of funds has become the major obstacle. When the rise of the third party logistics, logistics service and supervision by virtue of its own professional ability, can make an inventory of enterprises temporarily idle raw materials and finished products in occupation of funds, has become the main promoter of the development of logistics financial services to small and medium enterprises, pledge of goods become possible, and optimize enterprise resource. So the logistics finance is an indispensable produced.In the dynamic pledge financing business, the pledge as enterprises repayment guarantee, the risk has an important influence on the security interests of all parties. Because the size of each business risk can varies, financial enterprises and logistics enterprises need to combine their risk by differential pricing in the decision making process of service charges.Firstly, to build the risk assessment model of pledge business, following four aspects: corporate credit conditions, the collateral liquidation risk, price stability and quality change risk.In the four first level indicators refining business risk grade evaluation index system composed of two indicators, and detailed evaluation indexes for each of two; then according to the analytic hierarchy process, using the comparative importance of the expert scoring two level index two obtains the judgment matrix, so as to determine their respective weights, so calculated risk score for each business, according to the score of the business risk rating.Firstly, for the risk assessment of pledge business model, for the risk assessment of pledge business from the following four aspects:corporate credit conditions, the collateral liquidation risk, price stability and quality change risk.In the four first level indicators refining business risk grade evaluation index system composed of two indicators, and detailed evaluation indexes for each of two; then according to the analytic hierarchy process, using the comparative importance of the expert scoring two level index two, obtains the judgment matrix, so as to determine their respective weights, so calculated risk score for each business, according to the score of the business risk rating.In this paper, according to the financing for Group A as an example, combined with the level of risk evaluation model and pricing model of credit guarantee, risk assessment for the financing business, also will assess business risk level and guarantee pricing combined, provide calculation method for C logistics enterprise collection guarantee fees.