In inventory financing,asymmetric information between banks and the third party logistics enterprises may incur moral risks,often causing economic losses of banks.To effectively solve this problem,a pure incentive sch...In inventory financing,asymmetric information between banks and the third party logistics enterprises may incur moral risks,often causing economic losses of banks.To effectively solve this problem,a pure incentive scheme and a regulatory incentive scheme are designed with the principal-agent theory.By comparison,it is found that the pure incentive model is not applicable to practical conditions,and regulatory incentive model can not only solve practical problems substantially but also outbalance pure incentive model under certain conditions.The research results from example analysis given in this paper offer theoretical instruction and a practical method for effective regulation of banks.展开更多
Inventory pledge financing not only solves the financing difficulties of small and medium-sized enterprises,but also opens up business channels for banks.Under the random market demand,this article studies the pledge ...Inventory pledge financing not only solves the financing difficulties of small and medium-sized enterprises,but also opens up business channels for banks.Under the random market demand,this article studies the pledge decision-making of perishable pledges in the inventory pledge business,On the basis of considering the supervision of the Internet of Things technology to reduce the loss rate of quality goods,a decision model of the pledge rate of the bank is constructed in the case of not adopting the Internet of things technology and adopting the Internet of things technology.The pledge rate decision-making model in the two technical situations aims at maximizing the profit at the end of the pledge period.The factors in the model such as the pledge rate,end-of-period income,and IoT technology coverage rate are analyzed respectively,and finally the decision-making process is verified through calculation examples.Studies have shown that,when Internet of Things technology is not adopted,the income of bank pledge business first increases and then decreases with the growth of pledge rate.After the adoption of Internet of Things technology,the income of Banks is inversely proportional to the coverage rate of Internet of Things technology.However,within a certain coverage range,Banks can obtain greater income by using Internet of Things technology to supervise pledges.展开更多
文摘In inventory financing,asymmetric information between banks and the third party logistics enterprises may incur moral risks,often causing economic losses of banks.To effectively solve this problem,a pure incentive scheme and a regulatory incentive scheme are designed with the principal-agent theory.By comparison,it is found that the pure incentive model is not applicable to practical conditions,and regulatory incentive model can not only solve practical problems substantially but also outbalance pure incentive model under certain conditions.The research results from example analysis given in this paper offer theoretical instruction and a practical method for effective regulation of banks.
文摘Inventory pledge financing not only solves the financing difficulties of small and medium-sized enterprises,but also opens up business channels for banks.Under the random market demand,this article studies the pledge decision-making of perishable pledges in the inventory pledge business,On the basis of considering the supervision of the Internet of Things technology to reduce the loss rate of quality goods,a decision model of the pledge rate of the bank is constructed in the case of not adopting the Internet of things technology and adopting the Internet of things technology.The pledge rate decision-making model in the two technical situations aims at maximizing the profit at the end of the pledge period.The factors in the model such as the pledge rate,end-of-period income,and IoT technology coverage rate are analyzed respectively,and finally the decision-making process is verified through calculation examples.Studies have shown that,when Internet of Things technology is not adopted,the income of bank pledge business first increases and then decreases with the growth of pledge rate.After the adoption of Internet of Things technology,the income of Banks is inversely proportional to the coverage rate of Internet of Things technology.However,within a certain coverage range,Banks can obtain greater income by using Internet of Things technology to supervise pledges.
