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Published in:
2011 | OriginalPaper | Chapter
The Research on the Loan-to-Value of Inventory Pledge Loan Based Upon the Unified Credit Mode
Author : Yang Peng
Published in: Advanced Research on Electronic Commerce, Web Application, and Communication
Publisher: Springer Berlin Heidelberg
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This paper focus on loan limit indicator of seasonal inventory financing in supply chain financial innovation based on the logistics features of unified credit mode. According to the “corporate and debt” method in trade credit, this paper analyzes the cash flow properties of borrowing firm and the profit level of logistics enterprise, then it assumes downside-risk-averse logistics enterprise instead of risk-neutral logistics enterprise and takes the method of VaR to figure out the maximum loan-to-value ratio of inventory which is in accord with the risk tolerance level of logistics enterprise in seasonal inventory impawn financing.