基于联贷联保的供应链融资模式与策略研究

Th Financing Model and Strategy Research Based on Syndication Loan with Joint Liability in Supply Chain

供应链融资模式实现了中小企业与银行的双赢。针对供应链上游的中小供应商在面临资金约束时,采取与下游核心企业达成协议结为联贷联保体的供应链金融模式,通过构建供应链金融期望利润函数,分析各供应链主体的最优策略,并进一步讨论银行贷款利率、供应商生产量等决策变量之间的相互关系及其对供应链利润的影响。

The supply chain financing model will achieve the win-win situation of both small and medium-sized enterprises and banks. When the small and medium-sized suppliers in the supply chain are encountered financial constraints, the upstream suppliers will ally with downstream core enterprises in the supply chain to establish syndication Loan with joint liability fmancing model. This paper firstly builds the expected profit functions for the participation enterprises in supply chain, further analyzes relationship between decision variables and deduces the optimal decision-making value, and the impact upon the profit of the supply chain.