【作者】 王子良；

【导师】 金喜在；

【作者基本信息】 东北师范大学 ， 马克思主义基本原理， 2010， 博士

【摘要】 物流金融是现代物流发展的重要组成部分,也是物流服务创新的支撑要素之一,决定着物流增值服务的重要发展方向。而物流金融是现代物流与金融共同创新的一种集成式新型服务,其产生和发展离不开金融机构。国外的物流金融业务开展较早,相关的体制和技术比较成熟。而我国物流金融的发展正处于起步阶段,只有那些有一定规模和客户且资信良好的物流企业在这方面进行探索和实践。商业银行开展物流金融服务,不但能够拓展商业银行的信贷业务,而且能为商业银行创造更多的中间业务收入,增强商业银行的市场竞争力。本文采用理论与实践相结合的研究方法,结合国内外实际案例,探讨从商业银行角度开展物流金融业务,为期发展提供新的思路。本文首先阐述金融服务创新相关理论,揭示金融服务创新的特征和动力,并介绍物流金融的涵义及其研究的理论基础,为商业银行创新物流金融提供理论依据。其次,对国内外物流金融现状特征、业务模式进行比较分析,并通过典型案例进行实证研究,总结出现有物流金融业务发展的条件,为商业银行创新物流金融服务提供实践依据。第三,分析我国商业银行创新物流金融的必要性、优势所在,相应指出其存在的障碍因素。第四,提出商业银行开展物流金融服务的协同发展模式——一体化服务模式。对一体化服务模式的概念、流程图、效应等进行系统分析,并结合建设银行服务小商品批发市场“结算通”业务进行案例分析,以证明该模式的推广价值。第五,剖析商业银行创新物流金融服务所存在的各种风险及其成因,并提出风险规避的办法。最后,从创新金融服务运行机制、创新物流金融服务营销策略、创新物流金融服务的金融支持体系等方面提出发展我国物流金融服务的对策思路。在当今物流业与金融业协同发展的趋势下,本文旨在从商业银行视角提出一种综合性的物流金融业务发展模式,搭建物流业与金融业相互交流的平台,使商业银行发挥自身优势,更好地为物流企业提供全面的、优质的金融服务,促进物流业健康快速发展。更多还原

【Abstract】 Logistics finance is an important component of modern logistics and one of the supporting factors for logistics service innovation, determining the developing orientation of value-added services of logistics. Logistics finance is a co-integrated new type of service innovated by modern logistics and finance, its production and development is inseparable from financial institutions. The operations of logistics finance are carried out earlier abroad, where the related regulation and technology is more mature. While China’s logistics finance is only on the initial stage of development, and only those logistics enterprises with certain scale and good credit customers can explore and practice in this regard.The logistics financial services carried out by commercial banks not only expands the scope of credit operations of commercial banks, but also can create more intermediate business income, and enhance the market competitiveness of commercial banks. Applying both theoretical and practical research methods, combining overseas and domestic real case, this paper aims to explore the development of logistics finance from the perspective of commercial banks, provoking new ideas for the development of logistics financial services. Firstly, this paper describes the theory of innovation in financial services, revealing the characteristics and power of innovation in financial services, and introduces the meaning and the theory foundation of logistics finance, providing the theoretical basis for commercial banks to innovate logistics finance. Secondly, by comparing the status, characteristics and business models of overseas and domestic logistics finance, analyzing through typical case study, we conclude the conditions for the development of logistics financial services, providing the practical basis for commercial banks to innovate logistics financial services. Thirdly, this paper analyzes the necessity, advantages, and the corresponding barriers of the innovation of logistics finance for China’s commercial banks. Fourthly, we propose a joint development model for commercial banks to carry out logistics financial services--integrated service model, and analyze the concept, flowcharts, and effects of the model systematically. We also prove the promotion value of the model by the case study of China Construction Bank’s settlement card for the small commodity wholesale markets. Fifthly, this paper makes analysis of the risks and the causes of commercial banks to innovate the logistics financial services, and proposes ways to avoid the risks. Finally, this paper raises several countermeasures to develop China’s logistics financial services from the aspects of innovating the mechanism of financial services, innovating the marketing strategy of logistics financial services, innovating the supporting financial system for logistics finance, etc.In the joint developing trend of the industry of logistics and finance, this paper aims to propose an integrated developing model of logistics finance from the view of commercial banks, to set up a communication platform for logistics industry and the financial industry, so that commercial banks can play their advantages to provide comprehensive, qualified financial services for logistics enterprises, and promote the logistics industry to achieve healthy and rapid development.更多还原