Research On The Evaluation Of The Risk Grade Of Order Financing Business And The Pricing Of Guarantee Services

The essence of logistics finance and supply chain finance business is a service for small and medium enterprises, Financing for small and medium sized enterprises,broaden the business scope of logistics enterprises and other financial institutions, to achieve a multi win situation, and finally promote the economic development. Because of the credit of the small and medium enterprises is too difficult to determine, which leads to some difficulties in the recovery of funds. In order to promote the loan business go on wheels and reduce the risk of loans, first needs to rating the risk of each business, and then decide whether to give loans to those applicants. The risk level of order financing business carried out in stages. Third party logistics enterprises (hereinafter referred to as 3PL) broaden business by apply for credit to the bank and product order financing business alone, so this paper studies the pricing of order financing for 3PL enterprises.The paper based on the analysis of the mode of order financing business, and then take "order" as the lead line, analyses its risk source from the different stages; finally, constructs a risk grade evaluation model. Risk evaluation process is divided into two stages:the first stage is to judge the authenticity of business order by two indexes. The second stage constructed an indicator system, which consists of two levels:the subject credit, mortgage rate, order fulfillment ability, inventory as four first grade indicators and a plurality of second grade indicators, what is more, the paper describes the evaluation methods of various indexes in detail. According to the different indexes using piecewise function, exponential function, cosine function, power function processing method to make its scores unification into 0-10. Then respectively using ANP method and AHP method to determine the weight of each index, finally constructs a complete risk grade evaluation model, which divided the purchase order financing business into 5 grades; the risk grade of each business can be obtained by contrast the final score of the business to the risk grade score table. The risk evaluation model can help decision-making of loan for financial institutions.Order financing under the unified credit mode is a new financing way,3PL obtain credit from the bank in order to carry out and participate in the order financing business, which provides a new way to help 3PL improve performance. This paper constructed a pricing model of credit guarantee, which based on the analysis from the order financing business review fees and risk assessment charges, the innovative one is analyzed the index of contribution in detail, so providing a more reasonable pricing system for customers from the perspective of cost and income.What is more, the paper has elaborated the pricing method for quantitative and qualitative index, when the quantitative indexes by using piecewise function, sine function and power function methods deal with the specific pricing, which help the index become more detailed and reasonable in pricing. Finally, this guaranty service pricing mode has certain reference significance for 3PL enterprises when pricing the order financing business according to the actual situation.Based on the above work, in order to make the research results more operability, the paper will analyze a practical case, in this case 3PL enterprises carry out the order financing business,and the paper analysis the risk assessment and security pricing issues of this case, Finally hoping to give some clear guidance for 3PL in this business, and guiding more 3PL which in the conditions participate in the Order finance business, promoting the cooperation between banks and enterprises, accelerating the development of small and medium-sized enterprises.