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网络仓单融资业务为第三方物流企业拓展服务项目,在一定程度上解决了中小企业贷款缺少抵押品的现实,有效缓解了中小企业融资难题,也拓宽了银行贷款抵押担保的范围,为银行开辟了一个新的业务领域。本文探讨了网络仓单融资的业务流程,构建了风险收益模型,通过调节银行贷款利率和质押率的取值,使银行、借款企业及第三方物流公司获得最大收益,实现银行、借款企业、第三方物流企业三方共赢。
Network warehouse receipt financing business for the third-party logistics enterprises to expand services, to a certain extent, solve the lack of loans to SMEs in real estate collateral, effectively alleviate the financing problems of SMEs, but also broadened the scope of bank loan collateral for banks to open up A new business area. This article explores the business process of network warehouse receipt financing and constructs a risk return model to maximize the benefits of banks, borrowers and third-party logistics companies by adjusting the value of bank loans and pledge rates, so that banks, Tripartite logistics business win-win situation.