Risk Prevention Research On Commercial Banks’s Logistics Financing Business Based On The Perspective Of Industrial Chain’s Development

The Total Social Logistics and the Added Value in Logistics Industry has been increasing these years, and the Per unit of GDP coefficient of Logistics Demand shows that China’s National Economy is more and more dependent on the Logistics Industry.With logistics enterprises’ more participating in logistics financial business, logistics enterprises support more in commercial banks’ logistics financing business. Along with the increasing financing needs of small and medium-sized enterprises and the continuous development of information and communication technology, commercial banks provide abundant products and broaden the scope of logistics financing business, playing a very important role in helping dealing with the small and medium-sized enterprises’ financing difficulties. As the fact shows that logistics financing business of commercial banks has very good prospect in the future.This paper is based on the theory of Industry Chain, the theory of Logistics Financing, the theory of Risk Management and also the theory of System Dynamics. The research starting with the perspective of Industrial Chain’s development, analyzing risks of commercial banks’ Logistics Financing Business in combination with the characteristics of Industrial Chain, the characteristics of Logistics operation and the financing need of enterprises in different life cycle of Industrial Chain’s development. The study shows that risks of commercial banks’ Logistics Financing Business mainly includes risks of legal, risks of business operation and management, risks of Industrial Policy, risks of the pledge products, risks of warehouse receipt and risks of integrated credit, etc. The research also shows that risks of Industrial Policy, risks of the pledge products and risks of integrated credit are more relevant with Industrial Chain’s life cycle.This paper innovatively uses the perspective of Industrial Chain’s development as the starting point, putting forward the conception of building the Risk System Dynamics Model by the systematic analysis of each risk subsystem in commercial banks’logistics financing business.This paper also aims at the key risks in commercial banks’logistics financing business, the pledge product risks, using the GARCH model to do the corresponding empirical research. The last content of this paper puts forward the pointed measures to prevent risks based on the related risks involved in commercial banks’logistics financing business, providing a scientific guidance for commercial banks in conducting logistics financing business.