我国物流金融业发展研究
摘要
中小企业是我国经济发展的重要力量,其在数量上占到全国企业的99.3%,创造了近60%的GDP。但是,中小企业的融资困境却总是阻碍着中小企业的快速发展。
而问题的另一面,却是商业银行手握大笔贷款资源,想贷出创造利润却又苦于没有合适渠道的窘境。
同时,商业银行和物流企业都面对着日益激烈的竞争。外资的不断进入使得国内的商业银行和物流企业分别面对着强大的竞争对手。如何利用业务创新增强竞争力,是它们共同的课题。
物流金融业务很好的解决了如上这些问题。在世界经济越来越一体化的今天,利用物流金融解决中小企业和商业银行之间的“信贷错位”,拓展商业银行与物流企业的利润来源,增强三方的竞争实力,成为现实的选择和热点。
本文在分析物流金融的理论支持和现实需求的基础上,研究了国内外物流金融的发展现状,结合国外经验,对国内的物流金融发展存在的问题进行了探讨,并相应的提出了改进的方法。
本文分为七个部分:第一章是绪论,主要介绍本文选题的目的和意义,文献综述,研究的主要内容和框架,所采用的方法、路线以及本文的主要创新点和不足。第二章对物流金融做一个基本的介绍。第三章研究了各方面理论对物流金融的支持,分析物流金融发展的积极作用和正面影响,为下文的研究提供理论基础。第四章综合分析大力发展物流金融的现实必要性。第五章分析国内外物流金融业务发展的基本情况,并分别总结国内外物流金融发展的特点。第六章通过国内外物流金融发展情况的对比分析,对我国物流金融存在的问题和发展的前景进行分析,并提出自己的对策和意见。第七章总结全文,提出需要进一步研究的问题。
SMEs, which account for 99% of the number of enterprises in our country and create nearly 60% of the GDP, are an important force in China's economic development. However, the plight of SME financing has always been impeding the rapid development of small and medium enterprises.
On the other side of the problem, however, commercial banks are holding a large amount of loans which would make considerable profits once lent out, suffering the dilemma of no suitable channels.
At the same time, commercial banks and logistics companies are facing increasingly fierce competition. Foreign capitals entering the country cause domestic commercial banks and logistics enterprises to face strong competition. How to use business innovation to enhance their competitive edge is the common task.
Logistics finance solves the above problems. In an increasingly integrated world economy today, using logistics finance to settle the "credit mismatch" between the SMEs and commercial banks, to explore the source of profit of commercial banks and logistics companies and to enhance the competitive strength of three sides has become a realistic option and a hot spot.
Based on the theoretical supports and practical needs of the logistics finance, this paper studies the development of domestic and international logistics finance. Combined with the experiences abroad, the problems of development of domestic logistics finance are discussed, and the corresponding proposals and the ways to improve are carried out.
This paper is divided into six parts: Chapter 1 is the Introduction, which describes the main topics, the purpose and significance of this article. It also consists of literature review, the main content and framework of the research, the methods used, the major innovation and shortcomings of this paper. Chapter 2 makes a basic introduction of Logistics Finance. Chapter 3 analyzes the theoretical supports of logistics finance, the positive role and impact of the logistics finance, which provide a theoretical basis for the study below. Chapter 4 makes a comprehensive research of the realistic needs of the logistics finance. Chapter 5 analyzes domestic and international development of logistics finance, and separately summed up the characteristics of domestic and international development of logistics finance. Based on the comparative analysis of domestic and international development of logistics finance, Chapter 6 researches problems and prospects of Chinese logistics finance and makes corresponding proposals and advices. Chapter 7 makes a summary of this paper, and discusses the topics to be further researched.
而问题的另一面,却是商业银行手握大笔贷款资源,想贷出创造利润却又苦于没有合适渠道的窘境。
同时,商业银行和物流企业都面对着日益激烈的竞争。外资的不断进入使得国内的商业银行和物流企业分别面对着强大的竞争对手。如何利用业务创新增强竞争力,是它们共同的课题。
物流金融业务很好的解决了如上这些问题。在世界经济越来越一体化的今天,利用物流金融解决中小企业和商业银行之间的“信贷错位”,拓展商业银行与物流企业的利润来源,增强三方的竞争实力,成为现实的选择和热点。
本文在分析物流金融的理论支持和现实需求的基础上,研究了国内外物流金融的发展现状,结合国外经验,对国内的物流金融发展存在的问题进行了探讨,并相应的提出了改进的方法。
本文分为七个部分:第一章是绪论,主要介绍本文选题的目的和意义,文献综述,研究的主要内容和框架,所采用的方法、路线以及本文的主要创新点和不足。第二章对物流金融做一个基本的介绍。第三章研究了各方面理论对物流金融的支持,分析物流金融发展的积极作用和正面影响,为下文的研究提供理论基础。第四章综合分析大力发展物流金融的现实必要性。第五章分析国内外物流金融业务发展的基本情况,并分别总结国内外物流金融发展的特点。第六章通过国内外物流金融发展情况的对比分析,对我国物流金融存在的问题和发展的前景进行分析,并提出自己的对策和意见。第七章总结全文,提出需要进一步研究的问题。
SMEs, which account for 99% of the number of enterprises in our country and create nearly 60% of the GDP, are an important force in China's economic development. However, the plight of SME financing has always been impeding the rapid development of small and medium enterprises.
On the other side of the problem, however, commercial banks are holding a large amount of loans which would make considerable profits once lent out, suffering the dilemma of no suitable channels.
At the same time, commercial banks and logistics companies are facing increasingly fierce competition. Foreign capitals entering the country cause domestic commercial banks and logistics enterprises to face strong competition. How to use business innovation to enhance their competitive edge is the common task.
Logistics finance solves the above problems. In an increasingly integrated world economy today, using logistics finance to settle the "credit mismatch" between the SMEs and commercial banks, to explore the source of profit of commercial banks and logistics companies and to enhance the competitive strength of three sides has become a realistic option and a hot spot.
Based on the theoretical supports and practical needs of the logistics finance, this paper studies the development of domestic and international logistics finance. Combined with the experiences abroad, the problems of development of domestic logistics finance are discussed, and the corresponding proposals and the ways to improve are carried out.
This paper is divided into six parts: Chapter 1 is the Introduction, which describes the main topics, the purpose and significance of this article. It also consists of literature review, the main content and framework of the research, the methods used, the major innovation and shortcomings of this paper. Chapter 2 makes a basic introduction of Logistics Finance. Chapter 3 analyzes the theoretical supports of logistics finance, the positive role and impact of the logistics finance, which provide a theoretical basis for the study below. Chapter 4 makes a comprehensive research of the realistic needs of the logistics finance. Chapter 5 analyzes domestic and international development of logistics finance, and separately summed up the characteristics of domestic and international development of logistics finance. Based on the comparative analysis of domestic and international development of logistics finance, Chapter 6 researches problems and prospects of Chinese logistics finance and makes corresponding proposals and advices. Chapter 7 makes a summary of this paper, and discusses the topics to be further researched.
引文
1邹小芫,唐元琦.物流金融浅析[J].浙江金融,2004,(5):20-21
1邹小芃,唐元琦.物流金融:物流研究的新领域[J].中国物流与采购,2004,(9).
1马士华,林勇.供应链管理[M].北京:机械工业出版社,2000,40-45
1罗纳德·哈里·科斯.企业的性质[M].论生产的制度结构.上海:上海三联书店,1991
2 Williamson,,Oliver E. Markets and hierarchies, analysis and antitrust implications[M]. New York: Free Press, 1975
3 Williamson,,Oliver E. Markets and hierarchies, analysis and antitrust implications[M]. New York: Free Press, 1975
1 Williamson,,Oliver E. Markets and hierarchies, analysis and antitrust implications[M]. New York: Free Press, 1975
[1]邹小芫,陈万翔.国内物流金融研究综述[J].商业时代,2006,(36):17-18
[2]邹小芫,唐元琦.物流金融浅析[J].浙江金融,2004,(5):20-21
[3]朱文贵,朱道立,徐最.延迟支付方式下的存货质押融资服务定价模型[J].系统工程理论与实践,2007,(12):l-7
[4]赵晶晶.物流金融理论下商业银行信用风险管理研究[J].金融纵横,2007,(3):10-47
[5]张平祥,韩旭杰.粮棉油贷款仓单质押的意义与建议[J].山东金融,1997,(6)5-9
[6]曾文琦.商业银行仓单质押贷款研究[D].硕士学位论文,厦门大学,2006
[7]于洋,冯耕中.物资银行业务运作模式及风险控制研究[J].管理评论,2003,(9):8-11
[8]于萍,徐渝,冯耕中.存货质押贷款中信贷人与物流企业的合约选择[J].金融与经济,2007,(1):25-27
[9]熊小芬.物流金融业务模式及风险管理研究[D].硕士学位论文,武汉理工大学,2007
[10]王治,王宗军.融通仓与物资银行[J].中国物流与采购,2005,(2):17-20
[11]肖伟,李政嘉.面向物流金融的供应链动力学分析[J].管理科学文摘,2008,(21):351
[12]唐少艺.物流金融实务研究[J].中国物流与采购,2005,(2):18-21
[13]唐少麟,乔婷婷.发展物流金融强化供应链整合[J].物流技术,2006,(2):99-101
[14]山固固.物流金融业务风险研究[D].硕士学位论文,大连海事大学,2007
[15]任文超.物资“银行”的构思与操作[J].物流技术与运用,2004,(10):22-23
[16]任文超.从“物资银行”到“物流银行”[J].中国物流与采购,2006,(9):12-14
[17]马士华,林勇.供应链管理[M].北京:机械工业出版社,2000,40-45
[18]罗齐,朱道立,陈伯铭.第三方物流服务创新:融通仓及其运作模式初探[J].中国流通经济,2002,(2):7-9
[19]刘高勇.网络环境下企业物流与资金流的融合及其模型研究[J].情报科学,2004,(3):381-384
[20]刘士宁.供应链金融的发展现状与风险防范[J].中国物流与采购,2007,(7):68-69
[21]李金恒.物流金融的学科研究[J].北京城市学院学报,2006,90-94
[22]李毅学,徐渝,冯耕中等.标准存货质押融资业务贷款价值比率研究[J].运筹与管理,2006,(6):78-99
[23]胡愈,柳思维.物流金融及其运作问题讨论综述[J].经济理论与经济管理,2008,(2):75-79
[24]黄湘民,陈雪松.我国物流金融业务的实践[J].物流技术与应用,2008,(1).:98-101
[25]储雪俭.初探物流金融的经济学原理[J].物流技术,2006,(5).102-104
[26]陈宝峰,冯耕中,李毅学.存货质押融资业务的价值风险度量[J].系统工程,2007,(10).:21-26
[27]陈祥锋,朱道立.现代物流金融服务创新一金融物流[J].物流技术,2005,(3):4-6
[28]陈淮.关于物资银行的设想[J].中国工业经济,1987,(3):13-15
[29]罗纳德·哈里·科斯.企业的性质[M].论生产的制度结构.上海:上海三联书店,1991
[30]Albert R.Koch. Economics Aspects of Inventory and Receivable Financing[J],Law and Contemporary Problems,1948,13(4):566-578
[31]Harold,B.F. Form and substance in field warehousing[J]. Law and Contemporary Problems,1948,13(4):579-592
[32] Eisenstadt M. A finance company’s approach to warehouse receipt loans[J],New York Certified Public Accountant,1966,36:661-670
[33] Barnett W. What’s in a name----A brief overview of asset-based lending[J],The Secured lender,1997,53(6):80-82
[34] Allen,B.N. & Gregory. The economies of small business finance: the roles of Private equity anddebt markets in the financial growth cycle[J]. Journal of Banking & Finance,1998,(22):613-673
[35]Sidney Rutberg. Financing the Supply Chain by Piggy-backing on the Massive Distribution Clout of United Parcel Service,The Secured lender,2002,58(6):40-46
[36]Eric Fenmore. Making purchase-order Financing Work for You,The Secured lender,2004,60(2):20-24
[37]Buzacott J.A. & Zhang, Inventory Management with Assets-based Financing[J], Management Science, 2004,24:1274-1292
[38]Williamson,,Oliver E. Markets and hierarchies, analysis and antitrust implications[M]. New York: Free Press, 1975
1邹小芃,唐元琦.物流金融:物流研究的新领域[J].中国物流与采购,2004,(9).
1马士华,林勇.供应链管理[M].北京:机械工业出版社,2000,40-45
1罗纳德·哈里·科斯.企业的性质[M].论生产的制度结构.上海:上海三联书店,1991
2 Williamson,,Oliver E. Markets and hierarchies, analysis and antitrust implications[M]. New York: Free Press, 1975
3 Williamson,,Oliver E. Markets and hierarchies, analysis and antitrust implications[M]. New York: Free Press, 1975
1 Williamson,,Oliver E. Markets and hierarchies, analysis and antitrust implications[M]. New York: Free Press, 1975
[1]邹小芫,陈万翔.国内物流金融研究综述[J].商业时代,2006,(36):17-18
[2]邹小芫,唐元琦.物流金融浅析[J].浙江金融,2004,(5):20-21
[3]朱文贵,朱道立,徐最.延迟支付方式下的存货质押融资服务定价模型[J].系统工程理论与实践,2007,(12):l-7
[4]赵晶晶.物流金融理论下商业银行信用风险管理研究[J].金融纵横,2007,(3):10-47
[5]张平祥,韩旭杰.粮棉油贷款仓单质押的意义与建议[J].山东金融,1997,(6)5-9
[6]曾文琦.商业银行仓单质押贷款研究[D].硕士学位论文,厦门大学,2006
[7]于洋,冯耕中.物资银行业务运作模式及风险控制研究[J].管理评论,2003,(9):8-11
[8]于萍,徐渝,冯耕中.存货质押贷款中信贷人与物流企业的合约选择[J].金融与经济,2007,(1):25-27
[9]熊小芬.物流金融业务模式及风险管理研究[D].硕士学位论文,武汉理工大学,2007
[10]王治,王宗军.融通仓与物资银行[J].中国物流与采购,2005,(2):17-20
[11]肖伟,李政嘉.面向物流金融的供应链动力学分析[J].管理科学文摘,2008,(21):351
[12]唐少艺.物流金融实务研究[J].中国物流与采购,2005,(2):18-21
[13]唐少麟,乔婷婷.发展物流金融强化供应链整合[J].物流技术,2006,(2):99-101
[14]山固固.物流金融业务风险研究[D].硕士学位论文,大连海事大学,2007
[15]任文超.物资“银行”的构思与操作[J].物流技术与运用,2004,(10):22-23
[16]任文超.从“物资银行”到“物流银行”[J].中国物流与采购,2006,(9):12-14
[17]马士华,林勇.供应链管理[M].北京:机械工业出版社,2000,40-45
[18]罗齐,朱道立,陈伯铭.第三方物流服务创新:融通仓及其运作模式初探[J].中国流通经济,2002,(2):7-9
[19]刘高勇.网络环境下企业物流与资金流的融合及其模型研究[J].情报科学,2004,(3):381-384
[20]刘士宁.供应链金融的发展现状与风险防范[J].中国物流与采购,2007,(7):68-69
[21]李金恒.物流金融的学科研究[J].北京城市学院学报,2006,90-94
[22]李毅学,徐渝,冯耕中等.标准存货质押融资业务贷款价值比率研究[J].运筹与管理,2006,(6):78-99
[23]胡愈,柳思维.物流金融及其运作问题讨论综述[J].经济理论与经济管理,2008,(2):75-79
[24]黄湘民,陈雪松.我国物流金融业务的实践[J].物流技术与应用,2008,(1).:98-101
[25]储雪俭.初探物流金融的经济学原理[J].物流技术,2006,(5).102-104
[26]陈宝峰,冯耕中,李毅学.存货质押融资业务的价值风险度量[J].系统工程,2007,(10).:21-26
[27]陈祥锋,朱道立.现代物流金融服务创新一金融物流[J].物流技术,2005,(3):4-6
[28]陈淮.关于物资银行的设想[J].中国工业经济,1987,(3):13-15
[29]罗纳德·哈里·科斯.企业的性质[M].论生产的制度结构.上海:上海三联书店,1991
[30]Albert R.Koch. Economics Aspects of Inventory and Receivable Financing[J],Law and Contemporary Problems,1948,13(4):566-578
[31]Harold,B.F. Form and substance in field warehousing[J]. Law and Contemporary Problems,1948,13(4):579-592
[32] Eisenstadt M. A finance company’s approach to warehouse receipt loans[J],New York Certified Public Accountant,1966,36:661-670
[33] Barnett W. What’s in a name----A brief overview of asset-based lending[J],The Secured lender,1997,53(6):80-82
[34] Allen,B.N. & Gregory. The economies of small business finance: the roles of Private equity anddebt markets in the financial growth cycle[J]. Journal of Banking & Finance,1998,(22):613-673
[35]Sidney Rutberg. Financing the Supply Chain by Piggy-backing on the Massive Distribution Clout of United Parcel Service,The Secured lender,2002,58(6):40-46
[36]Eric Fenmore. Making purchase-order Financing Work for You,The Secured lender,2004,60(2):20-24
[37]Buzacott J.A. & Zhang, Inventory Management with Assets-based Financing[J], Management Science, 2004,24:1274-1292
[38]Williamson,,Oliver E. Markets and hierarchies, analysis and antitrust implications[M]. New York: Free Press, 1975