The Construction Of The Cooperation Platform Between Logistics Enterprises, Commercial Banks And The SMEs Under Logistics Finance Theory

Accounting for over99%of all enterprises in our country, small and medium-sized enterprises (SMEs) have offered more than75%of the employment opportunities, and become the indispensable "blood capillary" and the vigor of China’s economy. However, SMEs are always facing the trouble of financing problems, which also hinder its further development. In the post-financial crisis era, SMEs are confronted with much more complex financing plight. The problems, such as information asymmetry, lack of collateral security, relatively weak relationship with banks, and high cost of loans, have become barriers for SMEs to smoothly get loans. Although many strategies have been introduced to promote SMEs by the government, the results are not all we expected. Meanwhile, with increasingly intensified competition among various commercial banks, so-called "favorite" large enterprises cannot meet banks’increasing credit requirement, so that the development of bank credit have run into the bottleneck. As logistics rapidly grows, cooperation between bank and logistics enterprise will solve the issues of information flow, logistics, capital flow, and symmetry, as a way to effectively reduce business risks. Besides, logistics enterprises and loan enterprises can have an access to enjoy modern financial services through the cooperation platform. Accordingly, logistics financing can deal with the collateral security issues for the SMEs. What’s more, in the process of cooperation, SMEs are able to optimize their internal resource, develop their core business, and gain ample financing products and channels. When logistics enterprises turn into modernized period, they also need the bank funds to guarantee their client numbers. Therefore, it is a necessary road for logistics enterprises to stabilize their traditional affairs while seizing the modern logistics markets and upgrading their supply-chain finance.This paper mainly discusses on logistics finance in actual operation. With the theory both at home and abroad, it is expected to propose a solution, namely the construction of the cooperation platform between logistics enterprises and commercial banks as well as the SMEs for the practice of logistics finance on the basis of some existing experience.The highlight of paper is to analyze logistics finance how to solve SMEs’ financing problem, bank loaning bottleneck and the integration of logistics enterprises. Although there are many difficulties ahead, I believe that as further study of logistics finance and further accumulation of its experience China’s logistics finance has a promising future.