The Research On Inventory Financing Risk Of Logistics Enterprises

Inventory financing is one of the most important form in the current logistics financial areas, and is a new economic growth point in logistics operators which has a great potential. In theory, inventory financing as an emerging product belongs to the combination of the logistics industry and the financial, inventory financing is both a new form of the logistics industry and an innovative product for the financial industry;In practice, the introduction of the inventory financing can solve the contradiction between the borrowing of enterprises and banks, and can make the borrowing enterprises, banks, logistics enterprises tripartite benefit both to achieve a "win-win-win" situation:for borrowing enterprises, problems can be solved kept the stock to take up a lot of money to improve the utilization of funds by the inventory financing, and help borrowing enterprises to realize financing needs;for banks,inventory financing can make the bank for more market share, so that to improve service levels, to get new profit growth point, with to bring new benefits; for logistics enterprises, inventory financing pledge as a new value-added services, can promote the upgrading of the logistics company’s business expansion and function,to enhance the overall competitiveness of the logistics enterprises, attracting more customers.Inventory financing, however, as the emerging field of study,is still in its infancy, and doesn’t form a sound theoretical framework, there are still a lot of potential problems in its development, especially in risk, because the risk exists everywhere, inventory financing is certainly not the exception,to control the risk is an important prerequisite for the smooth development of inventory financing. Therefore, to enhance the study of inventory financing’s risk,has great significance to risk prevention,and the development of promoting inventory financing.The paper first discusses the related theory anout inventory financing and risk, and analyses the inventory financing business model; then it identifies the risk of inventory financing,logistics enterprises faced with the following seven kinds of risk in inventory financing:credit risk of the borrowing enterprises, collateral form risk, sales risk,compliance risk, model risk, process risk, environmental risk, and based on the basis of previous studies, this paper established a risk assessment systemabout logistics companies for inventory financing,and use of fuzzy comprehensive evaluation method to establish a model and evaluate the risk; and then it gives some suggestions on how to control the risk;Finally, on the basis of theoretical studies it makes an empirical analysis, and makes Xingsha logistics company as an example, It makes risk assessment about Xingsha logistics company with this model, and proposes appropriate countermeasures.This paper researches the risk on logistics enterprises’inventory financing aims to make a more comprehensive understanding of inventory financing, and to guide its practice in China.