本文關(guān)鍵詞：物聯(lián)網(wǎng)環(huán)境下的工業(yè)園區(qū)企業(yè)動(dòng)產(chǎn)質(zhì)押評(píng)估方法研究　出處：《廣東工業(yè)大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 物聯(lián)網(wǎng)技術(shù) 公共倉庫 動(dòng)產(chǎn)質(zhì)押 動(dòng)態(tài)評(píng)估

【摘要】：工業(yè)園區(qū)作為中小企業(yè)聚集的新模式,為企業(yè)共享土地、服務(wù)、技術(shù)等資源提供了可能。企業(yè)在工業(yè)園區(qū)中,無需設(shè)立自有倉庫,可將產(chǎn)品放在的園區(qū)公共倉庫內(nèi),外包給第三方物流企業(yè)(Third Party Logistics,3PL)管理,以減少倉儲(chǔ)物流成本,并利用存放在3PL公共倉庫中的庫存作為動(dòng)產(chǎn)進(jìn)行質(zhì)押,向銀行獲取貸款,盤活存貨,獲取新的融資。然而,針對(duì)工業(yè)園區(qū)動(dòng)產(chǎn)質(zhì)押,融資客戶多為私營或民營企業(yè),管理及信息化水平低,貿(mào)易種類雜亂,企業(yè)信用難以評(píng)級(jí),并具有質(zhì)押物種類繁多、價(jià)格難以控制、需頻繁出入庫等高動(dòng)態(tài)性,質(zhì)押模式復(fù)雜,對(duì)動(dòng)產(chǎn)進(jìn)行差別化動(dòng)態(tài)化評(píng)估成為必然趨勢(shì)。這對(duì)銀行來說卻是個(gè)難解決的問題,銀行被動(dòng)接受市場(chǎng)需要融資的客戶,難以集中化和專業(yè)化的對(duì)質(zhì)押動(dòng)產(chǎn)準(zhǔn)確評(píng)估。而工業(yè)園區(qū)3PL可利用其在園區(qū)所具有的資源和信息優(yōu)勢(shì),針對(duì)企業(yè)共有的動(dòng)產(chǎn)融資需求,獲取銀行統(tǒng)一授信,轉(zhuǎn)變?yōu)椤敖鹑谖锪鳌逼髽I(yè),在公共倉庫中提供集中式的“動(dòng)產(chǎn)質(zhì)押”服務(wù),并利用新興物聯(lián)網(wǎng)技術(shù)對(duì)貨物進(jìn)行實(shí)時(shí)監(jiān)管,實(shí)現(xiàn)動(dòng)產(chǎn)質(zhì)押動(dòng)態(tài)評(píng)估,以降低融資風(fēng)險(xiǎn),提高融資效率。因此,本文借鑒已有研究成果,依托物聯(lián)網(wǎng)技術(shù),研究工業(yè)園區(qū)高動(dòng)態(tài)運(yùn)作環(huán)境下的動(dòng)產(chǎn)質(zhì)押評(píng)估問題。研究內(nèi)容主要包括以下幾個(gè)方面：首先,通過分析工業(yè)園區(qū)公共中的動(dòng)產(chǎn)質(zhì)押融資業(yè)務(wù)特點(diǎn)及需求,提出了工業(yè)園區(qū)3PL基于公共倉庫物聯(lián)網(wǎng)智能監(jiān)管應(yīng)用獲取銀行統(tǒng)一授信模式下的動(dòng)產(chǎn)質(zhì)押風(fēng)險(xiǎn)控制策略,業(yè)務(wù)運(yùn)作模式和動(dòng)產(chǎn)評(píng)估方法。其次,針對(duì)融資企業(yè)信用難以評(píng)級(jí),為有效識(shí)別動(dòng)產(chǎn)質(zhì)押融資業(yè)務(wù)風(fēng)險(xiǎn),通過對(duì)比分析統(tǒng)一授信模式下金融物流企業(yè)與傳統(tǒng)模式下銀行開展產(chǎn)質(zhì)押業(yè)務(wù)時(shí)風(fēng)險(xiǎn)管理策略的不同,建立了服務(wù)于金融物流企業(yè)的動(dòng)產(chǎn)質(zhì)押資質(zhì)評(píng)估指標(biāo)體系,并采用ANP方法確定出指標(biāo)權(quán)重。再次,為控制動(dòng)產(chǎn)在質(zhì)押周期內(nèi)的價(jià)格波動(dòng)帶來的風(fēng)險(xiǎn),利用物聯(lián)網(wǎng)技術(shù)優(yōu)勢(shì),建立了基于盯市策略的動(dòng)態(tài)質(zhì)押動(dòng)產(chǎn)評(píng)估模型。最后,以物聯(lián)網(wǎng)驅(qū)動(dòng)的智能物流實(shí)時(shí)監(jiān)控為應(yīng)用理念,建立動(dòng)產(chǎn)質(zhì)押動(dòng)態(tài)監(jiān)管評(píng)估系統(tǒng),保證動(dòng)產(chǎn)質(zhì)押融資業(yè)務(wù)高效、準(zhǔn)確、高可行性的開展與執(zhí)行。因此,本文的研究有如下兩個(gè)方面的意義：(1)可發(fā)揮工業(yè)園區(qū)3PL在動(dòng)產(chǎn)評(píng)估方面的能動(dòng)作用,為工業(yè)園區(qū)金融物流企業(yè)開展動(dòng)產(chǎn)質(zhì)押業(yè)務(wù)提供指導(dǎo),促進(jìn)3PL產(chǎn)業(yè)升級(jí)和整個(gè)園區(qū)的發(fā)展。(2)借助物聯(lián)網(wǎng)技術(shù)提高物流企業(yè)對(duì)質(zhì)押品的監(jiān)管安全性,以提高動(dòng)產(chǎn)評(píng)估的準(zhǔn)確性和評(píng)估效率,促進(jìn)物聯(lián)網(wǎng)技術(shù)在物流金融領(lǐng)域中的應(yīng)用。
[Abstract]:As a new model for small and medium-sized enterprises to gather, industrial parks provide the possibility for enterprises to share land, services, technology and other resources. In the industrial parks, enterprises do not need to set up their own warehouses. Products can be placed in the park public warehouse, outsourced to the third Party logistics 3PL management to reduce storage logistics costs. And use the inventory deposited in 3PL public warehouse as chattel pledge, obtain loan from bank, activate inventory, obtain new financing. Most of the financing customers are private or private enterprises, the level of management and information is low, trade types are messy, enterprise credit is difficult to rate, and has a variety of pledged goods, prices are difficult to control, the need to frequently enter and out of stock and other high dynamic. Because of the complexity of pledge mode, it is an inevitable trend to evaluate movable property differently and dynamically, which is a difficult problem for banks. Banks passively accept customers who need financing in the market. It is difficult to centralize and professionalize the accurate evaluation of pledged movable property, and 3PL can use its advantages of resources and information in the park to obtain unified credit from banks in view of the financing needs of movable assets shared by enterprises. Transforming into a "financial logistics" enterprise, providing centralized "chattel pledge" service in the public warehouse, and using the emerging Internet of things technology to supervise the goods in real time, to realize the dynamic evaluation of chattel pledge. In order to reduce the risk of financing, improve the efficiency of financing. Therefore, this paper draws on the existing research results, relying on the Internet of things technology. Research on the evaluation of chattel pledge under the environment of high dynamic operation of industrial park. The research content mainly includes the following aspects: first, through the analysis of the characteristics and requirements of the financing business of movable property pledge in the public of industrial park. This paper puts forward the risk control strategy, business operation mode and chattel evaluation method of 3PL based on the intelligent supervision application of the Internet of things of public warehouse under the unified credit mode of obtaining bank. Secondly, the paper puts forward the risk control strategy of chattel pledge, business operation mode and chattel evaluation method. In view of the difficulty of credit rating of financing enterprises, it is necessary to identify the risk of financing business of chattel pledge effectively. By comparing and analyzing the differences of risk management strategies between the financial logistics enterprises under the unified credit mode and the banks in the traditional mode when they carry out the business of production and pledge. The evaluation index system of chattel pledge qualification for financial logistics enterprises is established, and the index weight is determined by using ANP method. Thirdly, the risk of controlling the price fluctuation of movable property in the pledge cycle is discussed. Based on the advantages of Internet of things technology, a dynamic evaluation model of chattel pledge based on market staring strategy is established. Finally, a dynamic monitoring and evaluation system of chattel pledge is established based on the concept of intelligent real-time monitoring of logistics driven by the Internet of things. To ensure that the pledge of movable property financing business efficiency, accuracy, high feasibility of the development and implementation. The research in this paper has the following two meanings: 1) it can give play to the active role of 3PL in the evaluation of movable property, and provide guidance for financial logistics enterprises in industrial park to carry out chattel pledge business. Promote the upgrading of 3PL industry and the development of the whole park. 2) improve the supervision and security of pledge goods by logistics enterprises with the help of Internet of things technology, in order to improve the accuracy and efficiency of the evaluation of movable property. To promote the application of Internet of things technology in the field of logistics finance.
【學(xué)位授予單位】：廣東工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F275;F832.4;TN929.5;TP391.44

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