Model Of Logistics Finance And Credit Risk Management Research

Previous research on the risk of logistics finance, mainly using quantitative analysis tomodeling at the technical level, around how to quantify the utility and risk in order to maximizethe utility of the purpose of risk control. However, credit risk has subjective complexity, largelyby people’s psychological decision, often difficult to quantitative analysis. So this paperanalyzes the credit risk, which is the subjective game analysis between each participation mainbody, to find out the method to control the subjective credit risk, for the logistics financialbusiness participants a new idea to solve the credit risk.The main contents of this paper can be divided into two parts. Among them, the first half part make asummary of the induction of the existing model of logistics finance, pre paving the way for the research ofcredit risk management in logistics financial business model of the latter part, to prepare for the recognitionof credit risk. The latter part of the article will to analysis of each subject between logistics financial businessin the face of risk from the angle of principal-agent relationship, and explain the origin of this risk. The nextarticle will analysis the third party logistics enterprises role in the logistics financial business from the angleof principal-agent relationship, and thus to analysis each main participation body of logistics financial facingthe subjective credit risk. Based on the above analysis, the game model assumption to establish logisticsfinancial business in the main introduction, for conspiracy to the default probability, to analyze the behaviorof people, and give the theoretical guidance on the control of bank credit risk.Through this analysis, we can know that according to the third party logistics enterprise participationdegree the mode of operation of logistics financial business can be divided into three basic modes: self mode,the intermediary model and credit guarantee model. The financing enterprise default probability can bereduced by two aspects: firstly, we should begin to increase the cost of default; secondly, improve theenthusiasm of bank supervision.