【正文】 用整合和再造；這樣才能夠最大限度實(shí)現(xiàn)融通倉(cāng)業(yè)務(wù)的價(jià)值。起著橋梁作用溝通私營(yíng)中小企業(yè)與商業(yè)銀行的第三方物流企業(yè)是融通倉(cāng)業(yè)務(wù)不可或缺參與者。在參與融通倉(cāng)業(yè)務(wù)時(shí)第三方物流企業(yè)應(yīng)該：解決好自身資信問(wèn)題，只有這樣才可以解決銀行與其合作的后顧之憂，降低第三方物流企業(yè)尤其是中小物流企業(yè)進(jìn)入融通倉(cāng)業(yè)務(wù)的門檻，讓中小物流企業(yè)參與融通倉(cāng)業(yè)務(wù)成為可能；杜絕壟斷，注重長(zhǎng)遠(yuǎn)利益，實(shí)現(xiàn)可持續(xù)發(fā)展；多與商業(yè)銀行等金融機(jī)構(gòu)聯(lián)系共同建立一個(gè)融通倉(cāng)業(yè)務(wù)信息控制平臺(tái)，實(shí)現(xiàn)與商業(yè)銀行和私營(yíng)中小企業(yè)的實(shí)時(shí)信息溝通與共享；建立物流信息系統(tǒng)平臺(tái)并實(shí)現(xiàn)與融通倉(cāng)業(yè)務(wù)信息控制平臺(tái)的無(wú)縫對(duì)接。融通倉(cāng)業(yè)務(wù)作為一項(xiàng)新興業(yè)務(wù)必然存在很多風(fēng)險(xiǎn)，商業(yè)銀行應(yīng)該重視風(fēng)險(xiǎn)控制；第三方物流企業(yè)更不能掉以輕心，只有加強(qiáng)自身的風(fēng)險(xiǎn)監(jiān)控、提高風(fēng)險(xiǎn)管理能力才能在這項(xiàng)業(yè)務(wù)中長(zhǎng)期立足。融通倉(cāng)業(yè)務(wù)涉及私營(yíng)中小企業(yè)、第三方物流企業(yè)和商業(yè)銀行，只有這三方面共同努力才能將這一新興業(yè)務(wù)逐步完善，才能給私營(yíng)中小企業(yè)、物流企業(yè)和商業(yè)銀行帶來(lái)更多的利潤(rùn)。 致 謝經(jīng)過(guò)幾個(gè)月的努力畢業(yè)設(shè)計(jì)完成了，在這個(gè)過(guò)程中我學(xué)到了很多東西。首先我要感謝我的導(dǎo)師孟明老師，他在我完成論文的過(guò)程中，給予了我很大的幫助；在論文開始的初期，我對(duì)于論文的結(jié)構(gòu)以及文獻(xiàn)選取等方面都有很多問(wèn)題，但是在他悉心指導(dǎo)下我一一解決了這些問(wèn)題讓論文得以如期完成。其次還要感謝我的專業(yè)課老師劉貴容老師和苑隆寅老師，他們?cè)谖彝瓿烧撐牡倪^(guò)程中，給與了我強(qiáng)大的技術(shù)支持；在我才得到論文題目之初，我對(duì)于融通倉(cāng)業(yè)務(wù)一無(wú)所知，但是在他們的幫助下我僅用了不到一個(gè)月的時(shí)間就掌握了供應(yīng)鏈金融、金融物流、物流金融、存貨質(zhì)押方面的基礎(chǔ)知識(shí)，這為我后期了解并研究融通倉(cāng)理論和運(yùn)作模式打下了堅(jiān)實(shí)的基礎(chǔ)。還要感謝感謝西南政法大學(xué)的徐鵬老師，他讓我對(duì)融通倉(cāng)及其運(yùn)作模式有了更深刻的認(rèn)識(shí)。正是有了這些老師的幫助，才讓我能夠順利完成這篇論文。 參考文獻(xiàn) [1] [J]．企業(yè)經(jīng)濟(jì)，2003，（6）:2629[2] 鄭鑫,——中小企業(yè)融資方式再創(chuàng)新[J]. 科技創(chuàng)業(yè)月刊,2006,(12):4041[3] Fairgrieve. Provision of Security in transition countries[J]. Pacific Basin Finance Journal . 2004(9):2123[4] 李淑芳,聶維,蔣長(zhǎng)兵,白麗君. 重慶物流業(yè)現(xiàn)狀及其近期發(fā)展建議[J]. 江蘇商論,2010,(6):8789.[5] 陳祥鋒,石代倫,朱道立,、概念和發(fā)展［J］.物流技術(shù)與應(yīng)用,2005,(11):134137[6] 王勇,鄧哲鋒,[J]. 華東經(jīng)濟(jì)管理,2010,(2):128132[7] [M]. 北京：新世界出版社，2013[8] 羅齊,朱道立,：融通倉(cāng)及其運(yùn)作模式初探［J］.中國(guó)流通經(jīng)濟(jì),2002,(2):1114[9] 田續(xù)燃. 基于先票后貨融資模式下供應(yīng)鏈金融最優(yōu)策略[J].商,2015,(5):152.[10] 深圳發(fā)展銀行與中歐工商管理學(xué)院“供應(yīng)鏈金融”：新經(jīng)濟(jì)下的新金融 [M]. 上海：遠(yuǎn)東出版社，2009.[11] (九) 倉(cāng)單及倉(cāng)單質(zhì)押在實(shí)際中的應(yīng)用[J]. 中國(guó)儲(chǔ)運(yùn),2011,(9):8993[12] [M]. 成都：西南交通大學(xué)出版社，2013[13] 付旭東. 關(guān)于動(dòng)產(chǎn)質(zhì)押的研究(十一) UPS金融物流與我國(guó)金融物流的異同分析[J]. 中國(guó)儲(chǔ)運(yùn),2011,(11):8690[14] (三) 質(zhì)物品種的選擇與監(jiān)管措施研究[J]. 中國(guó)儲(chǔ)運(yùn),2011,(3):7982[15] (五) 動(dòng)產(chǎn)質(zhì)押監(jiān)管業(yè)務(wù)的風(fēng)險(xiǎn)、防控及分散分析[J]. 中國(guó)儲(chǔ)運(yùn),2011,(5):7679[16] [D].大連：大連海事大學(xué),2010[17] Michael B Gordy. A parative anatomy of credit risk models[J]. Journal of Banking amp。 Financial . 2000(11):2124[18] Bose. Formalinformal sector interaction in credit markets[J]. Journal of Development Economics. 1998(10):3034[19] (四) 保持合理收費(fèi) 防止惡性競(jìng)爭(zhēng)[J]. 中國(guó)儲(chǔ)運(yùn),2011,(4):7881[20] 何娟,沈迎紅,[J]. 企業(yè)經(jīng)濟(jì),2008,(6):127129 附 錄一、英文原文Creation of Financetransportation Risk Evaluation Index SystemJoseph E Stiglitz/Andrew WeissIntroductionAt present, the research of financetransportation was conducted under the assumption of risk neutral and risk of financetransportation operation problem not cause enough attention, and the risk evaluation index system of financetransportation create beneficial to prevent and control risks, strengthen the resistance smaller endogenous risk early warning mechanism and risk foreign born, the sensitivity of induction is the task of financetransportation risk management of financetransportation definition has broad sense and narrow generalized refers to the operation of financetransportation expected ine and actual ine, emphasis on the possibility of a variety of potential losses, so that the financial costs, inadequate money participants, financetransportation financing storehouse business risk in addition to the pledgor (lenders) risks, risks of the pledgee (borrowers), warehouse depository (third party logistics enterprises), and environmental risk its narrow sense refers to the Banks faced in the operation of the warehouse in the possibility of a variety of potential , financetransportation risk has the characteristics of plexity, uncertainty and article refers to the narrow financetransportation the plexity of the financing storehouse business risk assessment and evaluation index of gradation, we put aside pledgor (lenders) risks, warehouse depository (third party logistics enterprise) risk, only examine the pledgee (borrowers) risks, thus creating financetransportation risk evaluation index system.Financetransportation risk description and risk factorsRisk identification is an important part of the risk management, and is also the basis and premise for any risk identification is the first step of analysis of the source of the risk, investigate its financetransportation risk sources, mainly in four aspects: one is the risk main body between risk unequal ine increased the risk hidden danger。Second, current assets evaluation system has not yet been established。Three is inexperienced logistics financial credit bank management, risk management method is relatively backward。Four is the restriction of supporting environment will make risk prevention measures effect financing storehouse business risk classification, based on the discussions of the starting point and purpose is different, can have a variety of classification integrated on the basis of existing research results, from financing storehouse business risk to produce on the cause of financing storehouse business risk can be roughly divided into five categories: the pledged property risk, regulatory risk, credit risk, technology risk, legal bine under the risk factor of five kinds of risk factors and the corresponding indexes are discussed respectively.1. The pledged property risk and pledged property risk mainly refers to the risk factors affecting the pledged goods itself, including three aspects: one is the quality goods risk to the change of market price fluctuations and financial exchange rates, will cause the chattel is the pledge in a certain period of price and quality change at any time, resulting in the chattel is the pledge cashability of , therefore, not all goods for warehouse receipt pledge, qualitative items selection of appropriate or not directly related to the risk of financing storehouse business the premise to ensure that the subject matter is personal property, the selection of the pledged goods mainly sells speculative small, easy to put, for the second is the pledged property market price storehouse business pledge collateral or the collateral can be in the inventory products, semifinish