基于三级供应链的银行贷款决策研究

Lending decisions of banks based on three-level supply chains

在充分考虑应收账款质押融资模式和存货质押融资模式结合时产生的相互作用的前提下,本文构建了基于供应链金融的三级供应链银行贷款决策模型,并进一步仿真分析了部分变量与回购率和回购价格的关系,为银行协商制定适当的回购率和回购价格提供参考.结果表明:由供应链各参与方共同影响的银行贷款决策在现实生活中具有合理性和可操作性;存在适当的回购率和回购价格可以使银行在风险可控的情况下实现利润最大化;上下游中小企业由资金缺乏状态转换成盈利状态,有效缓解了其融资困境.

Considering the interactions of the accounts receivables finance pledged models and inventory financing models,this paper constructs a three-stage supply chain decision model for banks based on supply chain finance,and further analyzes the relationships between some variables and repurchase rate and repurchase price,to provide references for banks.Our results show that:i)bank lending decisions jointly influenced by all parties in the supply chain are reasonable and implementable in practice;ii)there exist appropriate repurchase rates and repurchase prices for banks to achieve profit maximization on condition that risks are under control;iii)small and medium-sized enterprises in the upstream and downstream can transform from lacking necessary funds into the profit firms,since their financing difficulties are alleviated.