Research Of Decisions On Credit3PL Enterprises’ Chattel Mortgage Financing Business

Financing has been an important factor restricting the development of SMEs inChina but the introduction of financial logistics has been an effective way to solve thedifficulty of SMEs with its unique financing model. Chattel mortgage financing as themain business of the financial logistics, creative builds a community of interest byfinancial institutions, logistics enterprises and SMEs tripartite participation, to achieve awin-win situation between the participating subjects. As an emerging field of research,currently, the domestic decision on research about the key activities in business decisionis not much.Under this background, this paper takes the credit3PL enterprises as the researchobject to discuss the decision problems of their key activities in the chattel mortgagefinancing business. First of all, The paper elaborates the participating subjects, financingmodels and regulatory approaches about chattel mortgage financing business on thebasis of reviewing its background and the research status at home and abroad. Then,according to the business process of credit3PL enterprises, the paper respectivelydetermines the three components of the modeling and optimization by the financingenterprise credit rating，service rate，pledge rate，and The main contents are as follows:in the financing of enterprise credit rating, which is examined into four aspects frompledged property characteristics, financing enterprise qualification, supply chainoperations conditions, the customer business qualification to get the financing ofenterprise credit rating,which is basis of the credit3PL enterprises choosing thefinancing enterprise with the gray multi-level evaluation method.The paper builds aservice rate decision model of chattel mortgage financing business by analyzing the relationship between the costs and benefits of the credit3PL enterprises and financingenterprises in the service rate research. It also establishes the credit3PL enterprises inthe risk-neutral and risk appetite pledge rate optimal decision model, considering theimpact on the price affect demands in the pledge rate research. Finally, Xi’an a cottontextile industry financing business as an example to verify the validity of the model, andhas a certain significance to the actual decision-making the credit3PL enterprises.In this paper, the study about the critical decisions of3PL enterprise chattelmortgage financing business can promote and optimize its financing business practice.The research of financing enterprise credit problem can contributes to the constructionof enterprise credit rating system. The research of service rate decision problem cancontribute to the achievement of participation in a win-win situation. The research ofpledge rate decision problem can help the3PL enterprise financing business riskprevention.