A Study Of The Risk Control Of The Third-party Logistics Enterprises Carrying Out The Inventory-based Financing Of Unified Credit Mode

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.