摘要
针对传统存货质押融资业务存在着道德风险高、信息透明度低以及融资成本较高等问题,提出了基于图像识别技术的利用第三方物流监管和自有仓储设施的存货质押融资业务模式,并详细设计了业务流程、说明各参与方职责;为了利用图像识别技术控制货物变动,初步设计了监控系统和图像识别方法;然后对新业务模式的成本和技术可行性进行分析,最后对比传统业务模式对其风险、成本优劣势进行分析,新业务模式可以推动存货质押融资业务发展。
Aiming at the problems of high moral hazard,low information transparency and high financing cost in traditional inventory financing practices,this paper proposes an inventory financing mode based on the image recognition technology which utilizes third-party logistics supervision and self-owned warehouse facilities,designs the business process in detail,and explains the responsibilities of each participant.In order to use the image recognition technology to control cargo movement,it designs the preliminary monitoring system and image recognition method,then analyzes the cost and technical feasibility of the new business mode,and,finally,compares it with the traditional business modes in terms of risk and cost,reaching the verdict that the new business mode could promote the development of the inventory financing business.
作者
董振宁
黄贤湖
潘嘉敏
Dong Zhenning;Huang Xianhu;Pan Jiamin(School of Management,Guangdong University of Technology,Guangzhou510520,China)
出处
《物流技术》
2020年第3期138-144,共7页
Logistics Technology
基金
广东省自然科学基金(2018A030313444)。
关键词
中小企业融资
存货质押
图像识别
第三方监管
自有仓储
SME enterprise financing
inventory pledge
image recognition
third-party supervision
self-owned warehouse
