Research On Logistics Finance Business Model And Products Based On Henan Market

This paper focuses on the development of logistics finance in Henan market.Different from other studies,this paper investigates the development level of modern logistics industry in Henan regional market from the perspective of commercial banks,starting from the development of logistics market and logistics finance,and further investigates the overall capacity of Henan logistics financial market through the method of market scale prediction,so as to provide a basis for zz bank to carry out logistics financial product innovation.It is found that the logistics industry in Henan Province is developing rapidly,the industrial scale is expanding rapidly,the cold chain logistics is booming,and the express logistics is in a leading position in the country.Henan’s logistics finance has also shown a rapid growth trend in recent years,but there are still some situations,such as imperfect development of logistics enterprises,lack of participation of financial institutions,lagging theoretical research,lack of talents and poor development of logistics finance.Through work practice and business investigation,the author focuses on the stereotype analysis,points out the current problems in the development of logistics finance in Henan banking industry,and gives suggestions and solutions from the perspective of banks,which can provide reference for later scholars to deeply study the problems of logistics finance.In addition,the econometric model of this paper is to analyze the influencing factors of logistics financial market under the current conditions,predict the future development trend of logistics finance under the current conditions,and deeply analyze the factors affecting the development of logistics financeFrom the internal perspective of the bank,it analyzes the problems existing in the current development mode and products of logistics finance,the slow innovation speed of logistics finance,the dispersion of logistics financial products,and the segmentation and marketing of bank lines.However,Henan Province is still facing a huge financial market.In terms of the future business development direction of logistics finance,the settlement direction,financing direction and value-added services have great potential in the future.Under the financing direction,in order to further clarify the mode and product innovation direction,this paper uses multiple regression analysis to predict the scale of logistics financial market in Henan Province from 2021 to 2025.The prediction results show that the market scale of spot pledge business in logistics finance in Henan Province will exceed 50 billion in 2022 and maintain a steady growth trend year by year;The market scale of loan collection business will exceed 30 billion in 2023 and maintain a steady growth trend year by year;The market scale of transaction financing business will exceed 18 billion yuan in 2025 and maintain a steady growth trend year by year.Finally,according to the scale prediction,we can clearly understand the development potential of logistics finance that can be released in the future.This paper puts forward some suggestions for ZZ bank to carry out product innovation in Henan logistics finance market:first,clarify the development ideas of logistics finance business;second,focus on Intelligent cargo pledge products and warehouse bill pledge business,cloud logistics-freight payment,etc;Third,public-private linkage to build the support of logistics financial service system;Fourth,optimize internal risk control,improve the whole process risk control measures,and build a centralized operation platform.