物联网金融业态下的动产融资押物监管模型

IOT-Based Supervision Model for Chattel Financing Mortgage

针对国内动产融资过程中债权人(银行)、债务人、监管方信息不对称,银行"看不住""抢不到""难处置"动产抵质押物,致使动产融资数量低、质量差的问题,基于物联网的智能感知、实时定位、射频识别、自动报警等技术,从动产融资抵质押物标识、非标仓单标准化、仓单及仓储智能化管理、供应链全程无遗漏监管等维度,设计了用于动产融资押物监管的模型。理论分析表明该模型能有效降低违约概率,为债权人、债务人和监管方全面、主动、实时监管动产融资的押物,提供了新思路。

In order to solve the problems,such as asymmetric information of creditors(banks),debtors and regulators in the process of chattel financing,banks can't see,can't grab and difficult to dispose of mortgages,an IOT-based supervision model for chattel financing mortgage,referred as ISMcfm,is proposed in this paper.ISMcfm is designed by the IOT technologies of intelligence,real-time positioning,radio frequency identification,automatic alarm,etc.Based on the technology of intelligent sensing,real-time positioning,radio frequency identification,automatic alarm and other technologies,the article designs a model for the supervision of movable property financing from the movable property financing collateral label,non-standard warehouse order standardization,warehouse receipt and warehouse intelligent management,and the whole process of supply chain monitoring.Theoretical analysis results show that the model can effectively reduce the probability of default.Thus it provides a new solution to creditors,debtors and regulators to comprehensively,actively and real-time supervision for chattel financing mortgage.