Research On Risk Evaluation Of Third-party Logistics Financing Warehouse Business Based On Genetic Neural Network

In recent years,China's economy has entered a new normal state.Under the environment of slowing economic growth,it is of great significance to develop logistics finance business represented by financing warehouse business.Because the financing warehouse business is based on the innovative financing model of financial services in the entity,it can meet the three-way win-win demand of financial institutions such as banks,third-party logistics companies and SMEs.However,due to the business characteristics of financing warehouse,third-party logistics companies bear huge risks,coupled with chaotic market order,low barriers to entry,lack of relevant legal systems,opportunistic behavior of financing companies,etc.,leading to the integration of thirdparty logistics companies.The potential risk of the warehouse is getting bigger and bigger.In order to avoid the risk of business development and cause unnecessary losses,it is of great theoretical significance and application value to conduct in-depth research on the risk assessment of the third-party logistics enterprises to carry out the financing business.Based on the analysis of the domestic and international financial business model and the research results of the financial management of the business,the paper analyzes the advantages and disadvantages of the relevant research theories and traditional evaluation methods,and focuses on the risk assessment of the third-party logistics enterprises.Conduct exploration and applied research.The main work priorities and conclusions are as follows:(1)Through the related business risk literature research,combined with the characteristics of Fen Tong warehouse business model,principal-agent theory and transaction cost theory analysis,the six types of risk sources of Fen Tong warehouse business are expounded: credit risk,internal control risk of logistics enterprises,pledge risk,evaluation Risk,environmental risk,environmental risk.On this basis,according to the principle of index selection,an initial risk evaluation index system is constructed,which includes 6 first-level indicators and 18 second-level indicators.In addition,the initial risk assessment system is tested by reliability and validity analysis to ensure the effectiveness and reliability of the final risk assessment system.(2)Based on the establishment of the risk evaluation index system,the genetic neural network method is used to construct the third-party logistics enterprise financing warehouse business risk evaluation model,and the third-party logistics enterprise case is used to test the evaluation effect of the model.The experimental results show that the paper.The model evaluates the extent of risk prediction with effectiveness and stability.In addition,in order to facilitate the third-party logistics enterprises to conduct business risk management and grasp the key points of work,this paper analyzes the key indicators of the risk assessment system and finds two important risks of credit risk and pledge.The research results show that the third-party logistics financing business risk assessment model constructed in this paper can help third-party logistics enterprises to accurately evaluate the risk level of the financing warehouse business,and provide operational priority indicators for risk management.It is of great importance for companies to avoid business risks.