Study On The Credit Risk Evaluation Of Logistics Under The Unified Credit Model

In order to help the financing of small and medium enterprises,Logistics Finance has an innovative business model: the "unified credit" model.In the model,the most important part is how to find out the most appropriate logistic service providers to credit.Therefore,it is very important for the commercial banks to identify the credit risk of the logistic service providers and the accurate measurement of the credit risk.Scholars have made some achievements in the study of logistics finance,but the basis of empirical research is relied on the methods of expert scoring,lacking certain objectivities.With the emergence of various credit risk problems in logistics,commercial banks need a set of evaluation index system which can measure the credit risk of logistic service providers.This thesis focused on the model of credit risk assessment of logistics under the unified credit model,which provided a reference for commercial banks to provide effective controls when carrying out the credit assessments of logistics.Firstly,the thesis presented the situation of the credit risk of the logistic service providers in China.According to the four aspects of the unified credit mode's operation,the basic information of the logistics,the financial factors,the non-financial factors and the guarantee analysis might affect the logistic service providers' credit risk.Then,according to the risk and the influencing factors of the logistic service providers,the qualitative and quantitative indicators were classified.The credit risk evaluation index system of the logistic service providers was constructed.This thesis took the basic data of logistic service providers listed in China in 2015 as a sample,and took the credit risk of Logistic model to obtain empirical research.The results of empirical analysis were as follows: the logistic service providers' management ability and risk compensation ability had the greatest influence on the credit risk of the logistic service providers,followed by the development capability of the logistic service providers.Finally,the credit status of the logistic service providers would reflect the logistic service providers credit risk situation.Therefore,the thesis put forward the suggestions for commercial banks to prevent the credit risk of logistic service providers,and provided the improvement direction for the logistic service providers at the same time.