Research On The Value-risk In Inventory Financing Based On The Corporation Of Logistics Finance

The number and types of small and medium-sized enterprises in china ishuge,and the rate of output created by these enterprises is above50%,but it doesn’tchange its financing situation.The reasons are as follows:first,the small andmedium-sized enterprises have lots of current assets,but lack of mortgage fixedassets;second,it is difficult to accurately measure the small and medium-sizedenterprise’s credit rating.In addition,with the further development and opening-up tothe world stage,many foreign financial institutions expand the domestic financialmarket.So the domestic financial institutions are facing more intense competitionenvironment than before,especially the profit margins are being squeezed.What’smore,the rapid development of domestic logistics industry,especially the emergence ofthe e-commerce and the Internet of things,make the logistics enterprises face morechallenges.If they just depend on the supply of low value-added service,it’s difficultfor them to adapt to the pace of the market. So based on this kind of environment,thelogistics financial services are effectively restructuring the so-called threeparties,integrating their resources,and providing high value-added service,especiallybecoming the new profit source chased by many industries.To research the logistical finances has become a hot issures both in home andabroad field at present.First of all,for the qualitative part,most scholars are studied inrelated aspects, such as the concept of logistical finances,operation patterns,theprofits,risks and so on.Second,for the quantitative part,only a few scholars studiedthese aspects.Based on the above reasons,the promotion of domestic logisticalfinances faced many obstacles, but the keys lied in how to control and prevent theparticipants risk,especially matching the returns and risks. So this article,based on therelated research,does its utmost to measure the risks from the quantitative perspectiveand make it under controll.This article constructs a new inventory model of logistical finance supermarket,then it effectively changes the conventional three parties mode into two sidesmode.There are two parties in this new type model,for example the lenders andborrowers,but it ignores the cooperation mechanism between the bank and thelogistical enterprises.what’s more,in this mode they are as a united credit party to lendcaptial to the small and medium-sized enterprises.Based on this model,from twodimensions of the entity and debt’s perspective,this article take comprehensiveconsideration of the parties’ cost and benefits in order to construct the quantitativerisk decision-making model,that is,under the risk factor meet the requirements topursue the lenders’ expected revenue maximization.At last,based on the case and thisnew model of the logistical finance supermarket,this article explores and optimizesthe the validity of the risk decision-making model,so as to make it more practical andidentical.But the key point is to provide a method for the lenders to quantify risks.