本文選題：物流金融　切入點(diǎn)：統(tǒng)一授信　出處：《哈爾濱工業(yè)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：為了幫助中小企業(yè)融資,物流金融出現(xiàn)了一種創(chuàng)新性業(yè)務(wù)模式:“統(tǒng)一授信”模式。在“統(tǒng)一授信”模式中,最基礎(chǔ)和最核心的環(huán)節(jié)就是商業(yè)銀行要篩選出合適的物流企業(yè)進(jìn)行授信。因此,有效識(shí)別出物流企業(yè)的信用風(fēng)險(xiǎn)和準(zhǔn)確地度量物流企業(yè)信用風(fēng)險(xiǎn)大小對(duì)商業(yè)銀行而言是至關(guān)重要的。學(xué)者們對(duì)物流金融方面的研究已經(jīng)有了一定的成果,但是涉及到對(duì)物流企業(yè)信用風(fēng)險(xiǎn)進(jìn)行度量時(shí),實(shí)證研究的主要依據(jù)卻是依靠專家打分的方法,缺乏一定的客觀性。隨著物流企業(yè)中出現(xiàn)的各種信用風(fēng)險(xiǎn)問(wèn)題,商業(yè)銀行急需一套能夠衡量物流企業(yè)信用風(fēng)險(xiǎn)的評(píng)價(jià)指標(biāo)體系。本文主要研究的是統(tǒng)一授信模式下,通過(guò)構(gòu)建物流企業(yè)信用風(fēng)險(xiǎn)評(píng)估模型,為商業(yè)銀行在開(kāi)展對(duì)第三方物流企業(yè)授信業(yè)務(wù)時(shí)提供控制風(fēng)險(xiǎn)的有效參考。本文首先對(duì)我國(guó)物流企業(yè)的信用風(fēng)險(xiǎn)現(xiàn)狀進(jìn)行了簡(jiǎn)單介紹,并按照物流企業(yè)基本信息、財(cái)務(wù)因素、非財(cái)務(wù)因素以及擔(dān)保分析四個(gè)方面對(duì)“統(tǒng)一授信”運(yùn)作模式中可能會(huì)影響物流企業(yè)信用的風(fēng)險(xiǎn)進(jìn)行了識(shí)別。之后,根據(jù)識(shí)別出的風(fēng)險(xiǎn)以及物流企業(yè)信用風(fēng)險(xiǎn)的影響因素,將指標(biāo)劃分為定性指標(biāo)和定量指標(biāo),并以此為基礎(chǔ),構(gòu)建了物流企業(yè)的信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系。本文以我國(guó)2015年在A股上市的物流企業(yè)的基本數(shù)據(jù)為樣本,并通過(guò)運(yùn)用Logistic模型對(duì)物流企業(yè)的信用風(fēng)險(xiǎn)進(jìn)行了實(shí)證研究,得到了每個(gè)影響因子的系數(shù)及每個(gè)因子對(duì)上市物流企業(yè)信用風(fēng)險(xiǎn)地影響大小。通過(guò)實(shí)證分析得到的結(jié)果如下:物流企業(yè)的經(jīng)營(yíng)能力和風(fēng)險(xiǎn)抵償能力對(duì)物流企業(yè)信用風(fēng)險(xiǎn)地影響最大。其次是物流企業(yè)的發(fā)展能力。最后,物流企業(yè)的信用狀況在某種程度上也會(huì)反映物流企業(yè)的信用風(fēng)險(xiǎn)狀況。根據(jù)實(shí)證的結(jié)果,本文最后向商業(yè)銀行提出了防范物流企業(yè)信用風(fēng)險(xiǎn)的建議,同時(shí)為物流企業(yè)提供了改進(jìn)的方向。
[Abstract]:In order to help SMEs finance, logistics finance has emerged an innovative business model: "unified credit" mode. The most basic and core link is that commercial banks should screen out suitable logistics enterprises for credit. It is very important for commercial banks to identify the credit risk of logistics enterprise and measure the credit risk of logistics enterprise accurately. However, when it comes to measuring the credit risk of logistics enterprises, the main basis of empirical research is to rely on the method of scoring by experts, which lacks some objectivity. With the emergence of various credit risk problems in logistics enterprises, Commercial banks urgently need a set of evaluation index system which can measure the credit risk of logistics enterprises. This paper first introduces the current situation of credit risk of logistics enterprises in China, and according to the basic information of logistics enterprises, financial factors, The non-financial factors and guarantee analysis identify the risks that may affect the credit of logistics enterprises in the operation mode of "unified credit". Then, according to the identified risks and the influencing factors of the credit risks of logistics enterprises, The index is divided into qualitative index and quantitative index, and on this basis, the credit risk evaluation index system of logistics enterprises is constructed. And through the use of Logistic model to logistics enterprise credit risk empirical research, The coefficient of each influencing factor and the influence of each factor on the credit risk of listed logistics enterprises are obtained. The results obtained by empirical analysis are as follows: the management ability and risk offsetting ability of logistics enterprises are trust to logistics enterprises. The influence of risk is the most. Secondly, the development ability of logistics enterprises. Finally, The credit status of logistics enterprises also reflects the credit risk situation of logistics enterprises to some extent. According to the empirical results, this paper puts forward some suggestions to commercial banks to prevent the credit risk of logistics enterprises. At the same time for logistics enterprises to improve the direction.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F259.23;F253.7

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