The Logistics Enterprise Warehouse Receipt Financial Risk Control Research

At present Our country Small and medium-sized enterprise (SME for short) quantity accounts for the total number of enterprises above 95%, the SME highlights day by day in the national economy and the industrial chain’s status, but the SME financing difficult present situation is also restricting the SME fast development, hinders SME display its role in the national economy and the industrial chain’s influential. As had a fund bank side, the bank also needed to develop the service channel, but the SME scale was small, the operational risk was big, the credit was low, lacks the traditional real estate guarantee which the bank needed, creates the bank "wanted to loan does not dare to loan" awkwardness。As had a call for fund SME side, because the business capital scale was small, on the goods in stock fund took in a big way, lacked the real asset guarantee, financing is quite difficult, "wanted to loan does not loan". The physical distribution finance’s appearance, has built the financing platform for the bank and the SME, under the physical distribution enterprise’s supervision, allows the SME to store goods pawns, to bank application loan, on the one hand, reduced the bank credit risk, developed for the bank has loaned the channel, on the other hand, could solve the SME call for fund, reduced the financing cost, stimulated stores goods on fund to take, raises the fund use efficiency, simultaneously could also increase the supervision for the physical distribution enterprise to spend the income, stable client base. The physical distribution finance’s appearance, promoted the financial industry and the logistics fast development enormously.The physical distribution finance service as third party physical distribution enterprise one innovation service mode which extends to the financial domain, what may be very good is the upstream and downstream enterprise settles accounts the build bridge, may solve enterprise’s call for fund effectively fast. The physical distribution finance including the physical distribution settlement finance, the physical distribution warehouse receipt finance and the physical distribution gives the letter finance. The physical distribution settlement finance is the physical distribution enterprise uses each method of settling accounts the financing service which provides for its customer, is the physical distribution finance initial stage, its principal mode has receives on another’s behalf the loans, to pay the loans and the accepted document three kind of patterns, its risk is low and controllable.The physical distribution warehouse receipt finance is suitable the more widespread one kind of physical distribution finance pattern, the physical distribution gives the letter finance is the physical distribution warehouse receipt finance further deepening at present. Therefore this article key research physical distribution warehouse receipt finance each kind of pattern’s service operation flow and the existence risk, the analysis risk’s origin, based on this proposed the risk regulatory measures.Because the physical distribution warehouse receipt finance its can solve our country Present SME to finance well, the bank to make loans difficultly the difficult market present situation, for the numerous SME favors, simultaneously becomes the physical distribution enterprise new profit growth service, brings the considerable profit for the physical distribution enterprise. But because the warehouse receipt pawned the service still to be at the fast development phase in our country, not yet formed set of scientific standards the operating condition, various physical distribution enterprise was consummates gradually in the practice exploration, thus has the very high risk inevitably。Therefore, this article proposed that speaking of the physical distribution enterprise, the urgent matter must use the more advanced information management technology supervision to pawn the thing at present, through pawns choice and reasonable determination pawning rate, uses the unification standardization warehouse receipt, method control risks and so on standard operation flow, and through futures market’s price discovery function and the hedge function, way transfer risks and so on purchase insurance, must raise the warehouse receipt to pawn the professional as soon as possible and so on, these ways may reduce the physical distribution enterprise warehouse receipt to pawn the service the risk, thus achieves the physical distribution enterprise, Shanghai Loan Enterprise and the bank tripartite benefit main body altogether wins.This article through pawns link’s and so on in the service pattern, operation flow to the warehouse receipt risks to carry on the thorough analysis, induces the warehouse receipt to pawn the financing service existence four kind of risks and analyzes its origin, from this proposed that the corresponding risk control countermeasure, pawns the financing service for the physical distribution enterprise and the bank development warehouse receipt to seek for the effective guard risk the way, in order to accepts for the bank and the physical distribution enterprise, and strengthens the supervision, the standard and the promotion warehouse receipt pawns the service the healthy development, solves the SME financing difficult problem earnestly.This article main contribution is engaged in the physical distribution service based on myself the experience, understood that the numerous physical distribution enterprises develop the warehouse receipt to pawn all sorts not standard operation which and the risk in the service exists, as well as the experience, is engaged in the warehouse receipt from the physical distribution enterprise to pawn the service the operation flow detail to obtain, to summarize various flows detail risk to be. This to is engaged in the warehouse receipt to pawn the service the physical distribution enterprise or is going to develop the warehouse receipt to pawn the service the physical distribution enterprise to provide the standard flow, is advantageous consummates the respective operation in various physical distribution enterprise, finally unifies the standard flow which this article induces, and can deal with various links’risk calmly, will lose lowly.