跨境金融服务创新物流管理与案例研究外文翻译资料

跨境金融服务创新物流管理与案例研究

宗维罗（ETI，香港大学，香港）

摘要：在当前的金融海啸中，有需求从边境政府措施内地与香港由香港缓解融资困难投资珠三角企业（珠三角）。本文介绍了围绕如何创新物流问题技术可以用来克服边界壁垒，为香港提供融资服务的投资加工贸易企业（私人）在珠三角。发现问题的跨境融资。一个分析工具，通过风险转移图用于识别服务。不同的融资仪器使用的开发工具，进行必要的融资物流功能确定。

服务体系结构给出了这些融资物流功能。跨边界的一个案例研究在保税物流园区的背景下融资的发展表明，跨境融资物流公园可以促进跨境融资发展的一个可行的方法。

关键词：保税物流园区；跨境融资抵押品管理；物流；服务创新；

1引言

中国的经济发展，为她的47%个账户面对当前的金融海啸，主要经济世界主要大国已显示出衰退的迹象。香港，经济严重依赖国际—国际贸易，越来越感觉到疼痛。由于贸易在其经济结构特点，香港香港预计在2009遭受经济的弊端，说，其首席执行官曾荫权爵士百胜坤。企业，特别是中小企业，是打击，面临融资困难操作。香港政府最近宣布1000亿美元的贷款计划，覆盖所有非上市企业。然而，进一步的措施必须由香港政府的中心工作，对外贸易总额和创建一个累计30000000工作。加工贸易也是一个主要的生产方式[ 1 ]很多香港中小企业（中小企业）。在珠三角地区，大约有45000香港投资中占到了香港的一半转口贸易。近年来，中国已决定[ 1 ]针对加工贸易政策调整情况的变化。它因此被迫升级改造为了生存。本文探讨服务创新融资物流的帮助这些中小企业转型升级的准备当前的金融海啸中。

政府所面临的困难，减轻香港香港私人企业在珠三角，都在努力升级改造为了生存响应中国的贸易政策调整。与签署和实施更紧密经济伙伴关系协定（CEPA）在香港香港和内地，变得平滑跨境贸易。然而，困难寻求融资从内地的情况由香港机构投资私人有限公司在珠三角已基本保持不变。

本文介绍了如何创新的问题物流技术可以用来克服边界向香港提供金融服务的障碍该企业在珠三角投资。一个跨边界的工具通过分析融资风险转移图大多数的香港投资它在珠三角是中小型劳动密集型[ 1 ]。他们在低端产业，低资本化，在相对较低的技术条件[ 1 ]。与开发确定必要的融资物流服务，服务的实现铺平了道路跨境融资。现在的重点放在环境保护和高在中国的贸易政策，技术的发展，许多这些香港投资企业已失去本文的其余部分组织如下。在2部分，提出了交叉的背景信息跨国融资。在3节中，风险和差距分析进行了。在不同的融资工具的风险转移—并在4节回顾。在5节中，跨境金融物流功能确定。在6节，跨境融资服务体系提出了。7节案例研究后，8节总结全文。他们的竞争力，造成贷款机构在融资决策犹豫。比较有限，据悉，这是容易外商投资企业向内地银行。从这类“处理与转换海外供应材料”以“外商投资企业似乎是PTE的考虑方法。然而，转换需要时间以及资本。有相当大的影响，对现行香港香港贸易平台。

2背景

香港政府现正与跨国同行寻求香港方式投资企业在内地融资。在十二月初2008，香港的首席执行官香港金融管理局（金管局）表示，官员们进程的加快使公司获得珠三角是一个地区的香港企业的青睐为地理接近的做生意香港。而香港享有一个中国，两系统的政策，提出了独特的功能追求跨境融资。目前，很少香港它能够在借钱因为大陆内地银行不持有信用这些信息和它经常不合格络。跨境融资的出现是一个有前途的工具。然而，在此之前，政府边境已经一起工作来提供一个有利的法律和监管环境的保证合同纠纷的可执行性和时效性跨境结算。这一法律环境对跨境融资的发展至关重要系统以香港投资在珠三角中。基于，如跨境结算的市场解决方案所有权转让，破产，并将开始发展。抵押跨境贷款。早在十一月，他已经提到，银行可以使用在香港的资产作为抵押，如果他们没有在内地合格的资产，与金管局可以采取行动作为一个跨边界对应的托管。[ 2 ]

3风险分析

有技术问题，各地的监管机构边境需要理清在跨境融资方案可以实现。第一，信用信息香港公司在香港无法内地银行。第二，关键的问题是风险与抵押相关的。”

偿还贷款，怎么能把钱交给内地银行在香港出售抵押品？“方案可以设计在一个私人可以达到与银行担保安排。然而，由于跨境融资问题，例如跨境抵押品管理，这在香港是抵押品经常与风险难以联系通过在珠三角银行减轻。因此，在RT图，在图2抵押品的风险节点是故意的标记为不实。如图所示，这个RT图能够显示在跨境融资的风险风险转移的分析可以基于它进行。金先生说，山药。[ 2 ]因此，必须有一些机制借款人，银行和其他市场参与者识别和管理风险。机制应该给他们管理风险的能力。选择工具为了有效地管理他们的风险要提供。为了满足这一需求，融资分析工具通过风险转移（RT）图开发确定跨境融资缺口。

4融资工具

基于贷款融资抵押品前面提到的是传统的基于信用风险的金融工具转移。融资方案将更具吸引力高效如果认为边境贸易发展的因素，虽然这将使它更复杂。香港香港是一个城市的跨境贸易在许多公司是基于源和分发货物国际服务。在跨境贸易，融资通过代理银行办理结算跨越边界的关系。因此，这将是有利于了解贸易融资中的风险转移在我们继续之前，设计一个有效的工具有效的跨境融资方案。以下是在文学典型的票据融资风险审查图1风险转移图一个RT图（如图1所示）由一组块（B），节点（N）和边缘（E）。·块B B代表风险的一方转移分析。·节点N N连接到一块，代表风险的类型。·边e是连接两个节点，这一块对应的连接。·方向各边表示风险转移方向。与实践[ 5 ]。

4.1仓单融资

仓单融资是一种基于抵押品的融资该基金是由基础大宗商品抵押。它涉及到仓单包括证书质押和质权的职称证书，该缓解风险的关键因素。在仓库融资，抵押的商品都放在一个独立控制的仓库获得融资。·块开始的边缘节点的风险引发剂。结束的边缘节点块的风险接受者。图2在私人融资风险分析如图所示，在珠三角地区的一个私人企业寻求从当地银行融资。

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Service Innovation in Cross Border Financing

Logistics Management with a Case Study on

Bonded Logistics Parks

Zongwei Luo (ETI, the University of Hong Kong, Hong Kong)

Abstract: In the middle of current finance tsunami, there demand measures from the governments across the border

between Hong Kong and Mainland to alleviate the financing difficulties faced by the Hong Kong invested

enterprises in Pearl River Delta (PRD). The paper describes the issues surrounding how innovative logistics

techniques can be used to overcome border barriers to provide financing services to Hong Kong invested

Processing Trade Enterprises (PTE) in PRD. The problems are identified for cross board financing. An

analysis tool through risk transfer diagram is developed for service identification. Different financing

instruments are reviewed using the tool developed in which the necessary financing logistics functions are

identified. Service architecture is given for these financing logistics functions. A case study for cross border

financing development in the context of bonded logistics parks shows that a cross border financing logistics

park could be a viable approach to facilitating cross border financing development.

Key words: bonded logistics park; cross border; collateral management; financing logistics; service innovation

Processing trade, playing an important role in

1 Introduction

Chinarsquo;s economic development, accounts for 47% of her

Facing current finance tsunami, main economy of

major world powers already shows the sign of recession.

Hong Kong, with economy heavily relying on interna-

tional trade, growingly feels the pain. Due to trade

oriented structural characteristics in its economy, Hong

Kong is predicted to suffer economy drawback in 2009,

said by its Chief Executive Sir Donald Tsang Yum-Kuen.

Enterprises, especially small and medium sized ones, are

hit and facing great difficulties in financing their

operations. Hong Kong government recently announced

$100B loan scheme to cover all non-listed firms.

However, further measures have to be undertaken by the

Hong Kong government, working with the central

total foreign trade and creates an accumulated 30 million

jobs . Processing trade is also a major production mode

[1]

for many Hong Kong small and medium sized enterprises

(SME). In PRD region alone, about 45,000 Hong Kong

invested PTEs account for over half of Hong Kongrsquo;s

re-export trade . Recently, China has decided to make

[1]

adjustments to its processing trade policy in response to

changing circumstances. PTEs therefore are forced to

upgrade and transform in order to survive. This paper

examines service-innovating financing logistics to help

those SMEs to prepare for transform and upgrade in the

middle of current finance tsunami.

168

government to alleviate the difficulties faced by Hong

Kong PTE enterprises in PRD, which are struggling to

upgrade and transform in order to survive responding to

Chinarsquo;s trade policy adjustment.

With the signing and implementation of Closer

Economic Partnership Agreement (CEPA) between Hong

Kong and Mainland, it has been becoming smoother for

cross border business and trade. However, the difficult

situation of seeking financing from local Mainland

institutions by the Hong Kong invested PTE enterprises

in PRD has basically remained unchanged.

The paper describes the issues how innovative

logistics techniques can be used to overcome border

barriers to providing financial services to Hong Kong

invested PTE enterprises in PRD. A tool for cross border

financing analysis through risk transfer diagram is

Most of the Hong Kong-invested PTEs in the PRD

are small and medium sized and labor-intensive

[1]

. They

are in low-end industries, with low capitalization, in

relatively low technological conditions [1]. With the

developed

to identify essential financing logistics

services, paving the way for service implementation of

cross border financing.

emphasis now on environmental protection and high

technology development in Chinarsquo;s trade policy, many of

these Hong Kong invested enterprises have been losing

The rest of the paper is organized as follows. In

Section 2, background information is presented for cross

border financing. In Section 3, risk and gap analysis is

conducted. Risk transfer in different financing instru-

ments is reviewed in Section 4. In Section 5, cross border

financial logistics functions are identified. In Section 6,

the service architecture of cross border financing is

presented. After a case study in Section 7, Section 8

concludes the paper.

their

competitiveness,

causing

lending

institutions

hesitating in their financing decisions.

Compared to PTE, it is reported that it is easier for

foreign-invested enterprises to borrow from Mainland

banks. Conversion from this category of 'processing with

overseas-supplied

materials'

to

“ foreign-invested

enterprises” seems an approach for PTE to

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