Research On Risk Management Of Agricultural Products Logistics Financing Mode

The construction of new socialist countryside is an important measure for the development of rural economy.At present,in the process of rural economic development,agricultural products logistics finance plays a more and more important role,and has become a new profit growth point of rural economy.Agricultural products logistics finance is a new method of financing for agricultural products enterprises.It is also a new measure for agricultural products enterprises to open up product marketing,expand business scope,promote transformation and upgrading of agricultural products enterprises,and help agricultural development.Agricultural products logistics finance combines agricultural products enterprises,third-party logistics enterprises and commercial banks,effectively integrates logistics,information flow and capital flow,and applies advanced information management system to make the information of the three intermingled so as to promote the rational allocation of resources.Agricultural products logistics financial business operation is conducive to financial institutions to expand lending business,reduce credit risk,dispose of non-performing assets,improve the efficiency of capital use,and improve customer relations.It is conducive to expanding the scope of business,improving the warehousing environment,strengthening the construction of logistics infrastructure,and improving the level of enterprise services for third-party logistics enterprises.It will help agricultural enterprises get rid of the financial difficulties,expand the scale of enterprises,open up new businesses and expand commodity sales.However,the development of logistics finance of agricultural products in China is still in its infancy.Because of the complicated operation procedures,more interests involved,difficult selection of agricultural products pledge and difficult storage,compared with traditional industrial pledge,it is more risky.Therefore,the analysis and control of risks should be strengthened in the development of logistics finance business such as agricultural products financing warehouse.In this paper,the risk management of financing warehouse in agricultural product logistics finance is taken as the research object.Firstly,the research status of logistics finance,agricultural product logistics finance and BP neural network at home and abroad is expounded.Then,the related concepts of logistics finance,agricultural product logistics finance,warehouse receipt pledge mode,logistics bank and financing warehouse mode are discussed,and the three modes are compared and analyzed.Enterprises,third-party logistics enterprises,commercial banks and macro-environment are four aspects to analyze the risk factors of agricultural products logistics financing warehouse business.According to the risk factors,the risk evaluation index system of primary agricultural products logistics financing warehouse is established.The data after investigation are sorted out.The reliability and validity of risk evaluation index are analyzed by SPSS25.0 statistical analysis software to determine the final agricultural products.The risk index system of commodity logistics financing warehouse;then elaborates the theory of BP neural network,and constructs the risk assessment model of agricultural products logistics financing warehouse;finally,through the empirical analysis of A enterprise,verifies the feasibility and validity of BP neural network risk assessment model,and then describes the logistics of agricultural products of A enterprise from three aspects: pledge risk management,enterprise system management and information sharing platform.Risk prevention measures for accommodation warehouse.The research shows that,because of the complicated operation procedure,imperfect operation mechanism and the risk of default,it is necessary to forecast and control the risk of agricultural products logistics financing warehouse.By analyzing the risk factors of agricultural products logistics warehouse,this paper establishes the risk evaluation index system of agricultural products logistics warehouse,and establishes the risk evaluation model of agricultural products logistics warehouse based on BP neural network theory.This will be conducive to improving the ability of agricultural products enterprises,third-party logistics enterprises and commercial banks to predict business risks,help participants to control business risks,and provide a reference for the risk management of agricultural products logistics warehouse.