网络仓单融资运作模式及其风险收益模型构建研究  

On the Operation Pattern of Network Warehouse Voucher Financing and Its' Risk-Return Model

作　　者：周书灵[1,2] 程天[2] 

机构地区：[1]宿州学院皖北城乡一体化研究中心,安徽宿州234000 [2]宿州学院经济管理学院,安徽宿州234000

出　　处：《科技视界》2016年第6期37-38,共2页Science & Technology Vision

基　　金：安徽省高校人文社会科学重点研究基地招标项目(SK2015A184);安徽省级大学生创新创业训练计划项目(AH201410379088);宿州学院皖北中小企业与特色产业发展研究中心平台项目(2014YFK29)

摘　　要：网络仓单融资业务为第三方物流企业拓展服务项目,在一定程度上解决了中小企业贷款缺少抵押品的现实,有效缓解了中小企业融资难题,也拓宽了银行贷款抵押担保的范围,为银行开辟了一个新的业务领域。本文探讨了网络仓单融资的业务流程,构建了风险收益模型,通过调节银行贷款利率和质押率的取值,使银行、借款企业及第三方物流公司获得最大收益,实现银行、借款企业、第三方物流企业三方共赢。Network warehouse voucher financing belong to expanding services of third-party logistics enterprise. To a certain extent, Network Warehouse Voucher Financing not only solved the problems of the lack of collateral and difficulty in financing in SMEs, but also widened the loan collateral for the bank and opened up a new business. It was analyzed on the business processes of network warehouse voucher financing and constructed a risk-return model in the paper. Based on the risk-return model, it can maximize returns among the Banks, SMEs and third-party logistics companies by adjusting the value of bank loan interest rates and the loan-to-value ratio, and reach tripartite win-win situation.

关 键 词：网络仓单融资 风险收益模型 质押 

分 类 号：F275[经济管理—企业管理]