| Today, small and medium-sized enterprises (SME) play an important role in thenational economy, small and medium-sized enterprise development bottleneckproblem is the insufficient funds. But the lack of small and medium-sized enterprisefixed assets that can be mortgaged, on the contrary sufficient liquidity; Commercialbank faced with fierce competition, the need to change the past lay particular stress onthe situation of large enterprises, will be attention to smes; TPL to grow, not just withlow technical content of storage and transportation services. So, commercial Banks ofsmall and medium-sized enterprises TPL tripartite cooperation of logistics financearises at the historic moment. Logistics financial, like a bond, the three closely linked.The commanding heights of the logistics finance is the future development oflogistics enterprises Can you grasp the opportunity of the logistics financial, to thethird party logistics enterprise’s sustainable development has a decisive influence. Atpresent, with the deepening of the numerous scholars’ research on the logisticsfinancial, the meaning of logistics financial models such as risk analysis andprevention research has been mature Logistics financial pricing research is veryscarce. The pricing is the inevitable problems in the development of the logisticsfinancial health Based on many scholars on the basis of the predecessors of thelogistics financial research, made some attempt to pricing have certain significance.In addition, the current study of the logistics financial pricing, mostly to stand inthe Angle of the economics or standing in the point of view of commercial bank. Mostof these research achievements on commercial Banks, analyzing how to formulatereasonable interest rates, the TPL as the assistant of commercial Banks. Because theauthor is a professional logistics, so this article stands in the Angle of the TPL, theTPL how to develop the most reasonable financing service pricing. Target revenues inorder to ensure that the TPL price acceptable for small and medium-sized enterprises financing services at the same time, solve the financing difficulties of small andmedium-sized enterprises.In this paper, the main research contents include:1. Logistics financial theoryThis paper first expounds on the logistics financial system complete Includingthe definition of the meaning of logistics financial background logistics financialmode of logistics financial (cobwebs, the author summarized as its typical warehousereceipt pledge mode Finance-transportation mode Confirming warehouse modelBased on the accounts receivable financing mode Four) logistics financial risk andprevention countermeasures The practice of the logistics financial situation and thedevelopment prospect Basically on all aspects of the logistics financial is reviewed, sothat readers can has a macro overall understanding of logistics finance.2. Literature reviewThis paper first analyzes the domestic and foreign literature of logistics finance,this paper then introduces the related literature of logistics financial services pricing Itwas conducted in this paper, we study mode finance-transportation TPL logisticsfinancial services pricing basis The research achievements of these scholars gave megreat inspiration, greatly enrich the concept of logistics finance.3. The mode of logistics financial services finance-transportation pricingPricing is short in the development of the logistics financial, is the most worthyof research scholars in the field of all kinds of pricing method is proposed Forexample, pricing method based on risk compensation; Applying BP neural networkmodel of game theory and the pricing process; Or to commercial Banks and TPL as awhole, study the overall and financing of small and medium-sized enterprises betweenpricing and so on.This article refer to the commercial bank loan pricing method, inspired, and putforward a pricing model: the pricing process is divided into two stages, namelycommercial Banks credit rates of TPL and TPL the interest rate on the financing ofsmall and medium-sized enterprise financing services pricing two phases are used forcost-plus pricing formula:Service rate=the cost of capital rate+non money management cost rate+riskcompensation rate+term compensation rate+target yield rate.So as long as, in turn, determine the risk compensation term compensation ratetarget yield can be the cost of capital rate non capital operating cost rate can be measured by the commercial bank the TPL themselves risk compensation rate can beset by the commercial bank TPL risk index and risk compensation rate table the sameterm compensation rate can also set a deadline for deadlines and compensation ratetable in TPL set the goal of earnings, coupled with commercial Banks can measureservice rates.4. The empirical analysisThis article selects A store shares in bank C auto sales company to carry out thefinancing storehouse business, for example, to verify the pricing model of this paper Ithas already been of finance-transportation are analyzed in detail, the specific businessprocess of finance-transportation So you can describe the business process of threeparties in the case, and respectively in two steps to determine A bank to store thecredit rate and yield of shares and shares of car sales company C storage in financingservice rates and benefits.After verification, this paper put the finance-transportation mode of TPL logisticsfinancial services pricing model is practical and feasible, and simple operation not tootoo complicated Each link accuracy is high, believe that will get the welcome of theTPL.All in all, this paper establish the pricing model is a supplement to the logisticsfinancial pricing research and development has the strong practice guidance. |
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