【作者】 殷飞；

【导师】 盛昭瀚；

【作者基本信息】 南京大学 ， 物流工程（专业学位）， 2012， 硕士

【摘要】 基于存货质押的融资模式是目前比较新颖的,适合中小企业或者动产比值较大的企业进行融资的一种新的途径。该模式受到TPL企业和银行的极大关注。本文主要关注该模式下的一种——统一授信模式。在统一授信模式中,TPL企业依靠银行的信贷额度,自主的开发存货质押,TPL企业在这种模式下更加具有主动性,也更加能够贴近业务实际,而银行只收取开展业务时协商的资本收益。统一授信模式由于其优势,能够机动灵活的帮助企业的运作,所以目前在我国运用比较广泛。因此,对TPL企业开展该业务的风险控制进行分析具有一定意义。本文介绍了国内外有关存货质押融资的研究发展状况,对国内发展存货质押融资的现状和前景进行了分析；阐述了物流金融的概念以及存货质押融资的主要形式；对物流企业开展统一授信业务面临的风险进行了识别和分析,并提出了运营风险的控制体系,包括准入体系风险控制、合约设计风险控制和运营过程风险控制。针对准入体系的风险控制,主要研究了融资企业的选择：针对合约设计的风险控制,分析了物流企业规避风险所设定的质押率范围。最后,结合案例分析给出了物流企业开展统一授信存货质押业务风险控制的政策建议。更多还原

【Abstract】 As a new financing solution in China, inventory-based financing is in a stage of rapid development, and has become an important area of logistics enterprises and financial institutions. To mobilize the enthusiasm of logistics enterprises to maintain the security of the bank loan and consider the cost-benefit, some banks in business implement a unified credit mode instead of commissioned regulatory mode. Under the unified credit mode the credit, the bank allocates credit lines to logistics enterprises, and logistics enterprises develop their own inventory-based financing business on actual condition. The bank will only charge capital gains set by Prior Consultation.Part of the autonomy is given to logistics enterprises under unified credit mode, which simplifies operating procedures, and increases the flexibility of logistics enterprises to support the operation of the Borrower. Therefore, this model is relatively common to carry out in our country at this stage. Thus, the analysis of the risk control of logistics enterprises to develop unified credit mode has a certain significance.This article describes the domestic and international relevant research and the development of inventory-based financing. It analyzes the current situation of inventory-based financing in our country and elaborates the concept of logistics financing as well as the main forms of inventory-based financing. Furthermore, it identifies and analyze the risk of carrying out the unified credit mode that confronts logistics enterprises, and point out the control system of operational risk, including risk control of access, risk control of contract design and risk control of operating process.For risk control of access, it mainly studies the choice of financing companies; for risk control of contract design, it mainly studies the range of pledge rate serves to avoid the risk faced by logistics enterprisesFinally, this thesis gives policy recommendations to logistics enterprises to control the risk of the unified credit mode combined with case study.更多还原