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| 质押贷款下的贷款价值比的研究 | |
| 引用本文： | 张媛媛,朱梅红,吉彩红. 质押贷款下的贷款价值比的研究[J]. 数学的实践与认识, 2009, 39(13) |
| 作者姓名： | 张媛媛 朱梅红 吉彩红 |
| 作者单位： | 1. 中国石油大学(北京)工商管理学院,北京,102249 2. 首都经济贸易大学,统计学院,北京,100070 3. 北京工商大学,经济学院,北京,100048 |
| 摘 要： | 当零售商以仓单质押的模式向银行申请贷款时,如果零售商面临着报童问题,那么零售商的生产经营决策,就会影响到质押物的价格,从而影响到银行的利润.从企业-银行不合作博弈的角度出发,考虑质押物的处理价不高于储存费用的情况下,银行的贷款价值比的确定问题.研究发现,当银行付予物流企业的监管费用高于某一数值时,银行的贷款行为将使其利润为负. |
| 关 键 词： | 仓单质押 库存管理 报童模型 库存商品融资 贷款价值比 |
Loan to Value Research Based on Mortgage Credit |
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| ZHANG Yuan-yuan,ZHU Mei-hong,JI Cai-hong. Loan to Value Research Based on Mortgage Credit[J]. Mathematics in Practice and Theory, 2009, 39(13) | |
| Authors: | ZHANG Yuan-yuan ZHU Mei-hong JI Cai-hong |
| Abstract: | Given the retailers,which face newsvendor′s problem,fiancé future inventory by mortgaging their present inventory to the bank,their inventory decision will have impact on the mortgage commodity′s price and further the bank′s profit. In the case that the retailers have a noncooperation game with the bank,the paper studies the bank′s loan to value design when the mortgage commodity′s disposal price is no more than its storage one. Finally,it comes to the conclusion that the bank will obtain negative profit if the supervising cost of Logistics Company is too high. |
| Keywords: | stock document mortgage inventory management newsvendor′s problem inventory financing loan to value |
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