| 核心企业回购担保下银行的存货质押融资定价决策 |
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| 引用本文： | 易雪辉,周宗放. 核心企业回购担保下银行的存货质押融资定价决策[J]. 系统工程, 2011, 0(1): 38-44 |
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| 作者姓名： | 易雪辉 周宗放 |
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| 作者单位： | 电子科技大学经济与管理学院; |
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| 基金项目： | 国家自然科学基金资助项目(70971015) |
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| 摘 要： | 采用剩余产品回购率的大小来刻画供应链的上游核心企业对下游中小企业存货质押融资行为的担保程度,模型化了银行的存货质押融资决策.研究表明,银行的期望利润、存货质押率与核心企业的担保程度成正相关,贷款利率与担保程度无关且固定等于管制利率;并且发现某一程度的担保(对应某一质押率)是合理的.本文的研究为银行要求核心企业提供回购担...
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| 关 键 词： | 供应链金融 回购担保 存货质押融资 质押率 |
Pricing Decisions on Inventory Financing of the Banks with Core Enterprises' Buy-back Guarantee |
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| YI Xue-hui,ZHOU Zong-fang. Pricing Decisions on Inventory Financing of the Banks with Core Enterprises' Buy-back Guarantee[J]. Systems Engineering, 2011, 0(1): 38-44 |
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| Authors: | YI Xue-hui ZHOU Zong-fang |
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| Affiliation: | YI Xue-hui,ZHOU Zong-fang (School of Management and Economics,UESTC,Chengdu 610054,China) |
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| Abstract: | This paper takes the repurchase ratio of surplus products as the index which can depict the degree of the upstream core enterprises' buy-back guarantee against the downstream small and medium-sized enterprises' financing inventory,and model banks' decisions on inventory financing.Studies show that banks' expected profit,the loan-to-value ratio of inventory financing positively correlate to the guarantee degree of core enterprises while the loan ratio is a constant equal to the regular interest rate.The loan... |
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| Keywords: | Supply Chain Finance Buy-back Guarantee inventory Financing Loan-to-value Ratio |
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