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P2P物流金融借贷平台及其融资模式创新
  • ISSN号:1007-8266
  • 期刊名称:《中国流通经济》
  • 时间:0
  • 分类:F252.3[经济管理—国民经济]
  • 作者机构:[1]天津财经大学经济学院,天津市300222
  • 相关基金:国家自然科学基金“企业探索性创新与开发性创新的协调机制及其对绩效的影响研究”(项目编号71102012)的部分研究成果。在本文写作过程中,颜铭佳协助搜集资料并做了大量工作,特此表示感谢。
作者: 于博[1]
中文摘要:

随着互联网与电子商务的繁荣,存货质押等传统物流金融业务越来越无法满足链上企业的融资需求了,需要开拓更多以大型物流企业为平台的新型物流金融模式。而模式创新的关键在于,如何通过重构物流与资金流之间的关系来更好地借助物流载体实现金融机构与借款企业的高效衔接,因此重新反思物流企业在金融服务方面的功能与价值,设计适合物流金融发展特征的新型融资模式,成为物流金融发展与创新的重要方向。文章基于供应链金融及互联网金融背景,创新性地提出了以物流企业为运营主体、融合P2P网络融资功能的第三方物流信息平台,可将物流企业独特优势融入供应链金融服务,实现物流、信息流、资金流高效集成,为供应链发展提供系统全面的解决方案。文章参照“先存后贷、低息互助”住房储蓄设计原理及资产证券化原理开发的用于解决中小企业融资难题的P2P物流金融“先存后贷”新型融资模式,在为物流金融业务创新指明全新发展方向的同时,也为中小企业提供了全方位的贸易与融资服务,有助于全面增强供应链整体竞争力。

英文摘要:

With the booming of internet and e-commerce, the traditional logistic finance cannot meet the financing requirement of supply chain enterprises;so, we should explore more logistic financing mode taking large logistic enterprises as the platform. The key of mode innovation is how to restructure the relationship between material flow and capital flow to better realize the effective link between financial institutions and borrowing enterprises with the help of logistic carriers; so, reconsidering the role and value of logistic enterprises in financial service and designing the appropriate new financing mode has become the important direction of logistic financing development and innovation. Based on the background of “supply chain finance” and“internet finance”, the author innovatively put forward“the 3rd party logistic information platform taking logistic enterprises as the operational main body and integrating the function of P2P online financing”, which can integrate the unique advantage of logistic enterprises into supply chain financial service and realize the effective integration of material flow, information flow and capital flow to provide supply chain development with the systematic and comprehensive solution. By adopting “saving before loaning, low interest and mutual help” principle which widely used in housing loans, the author designs a new logistics financing pattern applied in P2P based financing platform established by large logistics firms to facilitate financing of SMEs. While providing the new direction of business innovation in logistic financing, the new mode also provides SMEs with the comprehensive trade and financing service, which will be helpful to enhance the competitiveness of the supply chain as a whole.

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期刊信息
  • 《中国流通经济》
  • 北大核心期刊(2011版)
  • 主管单位:北京市教育委员会
  • 主办单位:北京物资学院
  • 主编:郝玉柱
  • 地址:北京市通州区富河大街321号
  • 邮编:101149
  • 邮箱:zgltong@126.com
  • 电话:010-89534242 89534242
  • 国际标准刊号:ISSN:1007-8266
  • 国内统一刊号:ISSN:11-3664/F
  • 邮发代号:82-736
  • 获奖情况:
  • 全国中文核心期刊,中国人文社会科学核心期刊
  • 国内外数据库收录:
  • 中国中国人文社科核心期刊,中国北大核心期刊(2004版),中国北大核心期刊(2008版),中国北大核心期刊(2011版),中国北大核心期刊(2014版),中国国家哲学社会科学学术期刊数据库
  • 被引量:15788