The Research On The Risk Prevention Of Logistics Finance Business For Commercial Bank In China

With the development of the logistics industry，logistics and finance demands and effectseach other. The logistics finance business continues to grow and develop, it is becoming a majorbank competing new business field. With the rapid development of logistics finance business incommercial bank by driven profit, the logistics finance risk understanding is far insufficient andthe management of risk prevention is relatively backward. The logistics finance in our country isstill at the initial stage, as a kind of financial innovation, commercial bank is facing the new riskin the process of the development, requires a high degree of awareness of risk, makes a positiveresponse and strengthens the risk prevention.Firstly, the paper explains the general theory of the logistics finance business in commercialbank and risk prevention. Secondly, discusses of risk performance and characteristics forlogistics finance in commercial bank. Further, focuses on the analysis of reasons for logisticsfinancial business risks and risk prevention problems at the present stage. The paper thinks manymain problems of the logistics finance business in commercial bank: risk prevention of physicalexisted defects, failed to establish a risk prevention mechanism, risk prevention of the low levelof technology, risk concept and culture had not been achieved the requirements of the rapiddevelopment of business and risk prevention methods. Lastly, the paper draws lessons from maindeveloped countries the successful experience of risk prevention for logistics financial business,points out countermeasures and suggestions to strengthen the risk prevention of logistics financebusiness for commercial bank in our country, they have mainly five aspects: with a variety ofmethods to make up for the lack of law, introduction of credit self-liquidating technology toreduce the credit risk, from personnel, processes, systems aspects of prevention operational risk,build information technology platform for information sharing, and, establish the risk earlywarning mechanism.