动态物流监管模式下贷款质押率研究

Research on Loan-to-Value Ratios in the Mode of Dynamic Logistics Supervision and Control

动态质押是在静态质押的基础上发展起来的一种更为便捷的物流融资方式,文中在动态物流监管模式下,考虑到资信水平以及质押商品的价格波动率的影响,建立起基于分批次多次提单的存货质押贷款质押率的计算模型,在尊重银行的风险可控并取得可期利润的基础上,以企业通过贷款获利为主导并求其利润最大化,通过此模型可以帮助第三方物流企业制定监管策略,最终在风险可控的原则下,寻找最合适的存货质押贷款质押率,使得三方共赢。

Dynamic pledge is a more effective method of logistics financing based on the static pledge, this text is built on the model of dynamic logistics supervision, considering the effect of the corporation credit and price volatility, modeling a computing model of loan-to-value ratio based on the sub-batches-multiple orders. In respect for the bank＇s controllable risks and gain the expected profit, on the basis of the enterprises obtain maximum profit through loans. Adopt this model the third party logistics enterprise can be helped to develop supervision strategy and ultimately to determine an appropriate loan- pledge-rate in the principle of controllable risk, at last to achieve a tripartite win-win situation.