基于公路运力信用结构的供应链金融授信分析

Analysis of Supply Chain Financial Credit Granting Based on Highway Capacity Credit Structure

文章首先从信用入手,分析供应链金融增信的要素,剖析公路运力信用结构组成,构建主体信用、交易信用及监管信用的具体指标,并明确三者与供应链金融授信额度的关系。其次,以融资自偿为基础,通过分析公路运力成本的构成及统计数据,确定出授信比率的基础值以及监管信用对基础值的影响。通过物流企业货量服从正态分布的特征,模拟出公路运力运费收入以及交易信用对运费收入的影响。最后,结合两者构建出受主体信用现金流约束检验的授信额度模型,并就金融机构风险偏好为风险规避的情况进行了算例分析。

Starting from credit,firstly,this paper analyzes the elements of increasing credit of supply chain finance(SCF),and the credit structure composition of highway transportation capacity,constructs the specific indicators of principal credit,transaction credit and regulatory credit,and clarifies the relationship among the three factors and the credit line of SCF.Secondly,on the basis of financing self-compensation,the basic value of the credit ratio and the impact of regulatory credit on the basic value are determined by analyzing the composition and statistical data of highway transportation capacity costs.Based on the characteristic that the logistics enterprises’goods volume obeys the normal distribution,the impact of highway transportation freight revenue and transaction credit on freight revenue is simulated.Finally,combining with the two models,a credit line model is constructed which is subject to the constraint test of cash flow of principal credit,and a case study is made on the risk preference of financial institutions for risk aversion.