Logistics Financial Business Of Commercial Bank Risk Control Research

In the process of the development of small and medium enterprises,financing difficulty is one of the important problem of the small and medium-sized enterprises the reasons are:first,the small and medium-sized enterprise financing channel impeded,the financing structure is not reasonable. According to the national bureau of statistics show that 17% of the company by the accumulation of free money, close to 40% of enterprises without a stable financing channels, half of the enterprise to the existing financing effect.But as the shenzhen bank development in 2006 in the first to launch the logistics financial services,domestic Banks have appeared in the rapid development of logistics finance practice,logistics finance becomes an effective way to solve the financing difficulties of small and medium-sized enterprises. Commercial Banks in order to stable customers, open up new sources of revenue, also according to different enterprise needs to provide a variety of logistics financial services products. But because of the characteristic of the logistics finance itself, as well as domestic logistics financial development is still in its infancy, the supporting measures under the condition of imperfect, commercial banks in carrying out logistics finance have huge gains at the same time, also with the risk that nots allow to ignore. Various models of commercial Banks based on the logistics financial risks in logistics finance business conducted in-depth research, and put forward relevant suggestions of risk management.Firstly, studied the basic theory of logistics finance. Mainly includes the connotation and characteristics of the logistics financial, and compares the logistics financial financing and traditional financing analysis. Analysis of the logistics financial development driving factors are:logistics financial business is a new financing channels of small and medium-sized enterprises;Commercial bank is new source of profits;Is the new logistics enterprise value-added services. From about the present situation of the development of the logistics financial logistics logistics enterprises, financing small and medium-sized financial subject, three aspects has carried on the analysis of commercialbanks.Secondly, business operation mode and the risk of commercial Banks is analyzed.Logistics financial business model mainly includes the warehouse receipt pledge, bonded warehouse, accounts receivable, and studied its characteristics and the main risk. From about the present situation of the development of the logistics financial logistics logistics enterprises, financing small and medium-sized financial subject, three aspects has carried on the analysis of commercial banks.Thirdly, logistics evaluation index system of financial risk in commercial banks as the foundation, constructed based on fuzzy comprehensive evaluation method of the logistics financial risk evaluation system, Combined with grey comprehensive evaluation method for a certain logistics companies and pharmaceutical manufacturing enterprises to carry out empirical analysis, according to risk metrics to determine whether a commercial bank can give logistics enterprise logistics financial credit, control the logistics financial risk in the commercial bank has substantial significance.Finally, according to the logistics financial business of commercial bank risk sources and risk evaluation conclusions applied to the logistics financial risk control of commercial bank. From the strict audit of small and medium-sized enterprises,strengthening the cooperation of the management of logistics enterprises, carefully selecting the pledge, perfect the internal control system from four aspects of commercial Banks in the logistics financial business risk put forward the corresponding countermeasures and suggestions.