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。
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.