Research On Pricing Strategy Of Inventory Financing Service Based On Supply Chain Finance

Small and medium enterprises as an important part of the nationaleconomy, however, due to its own reason, the development of SMEs islimited by difficulties in financing in China. With the development ofsupply chain finance business the situation of difficulties in financing forSMEs has changed, the financial institution introduce the upstream coreenterprise’s guarantee behavior and entrust the third party logisticsenterprise as the supervisor of pledge inventory for borrowing enterprise,which based on the perspective of the entire supply chain. The financialinstitutions’ credit risk is shared to the participants of supply chainfinance business by this way, and the issue of difficulties in financing forSMEs is resolved effectively.Based on the analysis research of situation，this paper used supplychain finance and supply chain as the theoretical basis, researched thepricing strategy of financial institution under principal supervision modeand the pricing strategy of3PL under unified credit mode. This paperintroduce the upstream core enterprise’s guarantee behavior, and take therepurchase ratio and the repurchase price of surplus products as the indexwhich can depict the degree of the upstream core enterprises’ buy-backguarantee against the downstream SMEs’ financing inventory.This paper modeled the pricing strategy of financial institution inventory financing service under principal supervision mode and Pointsout financial institution’s different financing decisions under theconstraint of practical market demand. Considered the borrowingenterprise’s reorder reaction strategy, and studies show that the borrowingenterprise will order more products under the guarantee of core enterprise,and the expected revenue of the borrowing enterprise and the entiresupply chain is optimal.This paper modeled the pricing strategy of3PL inventory financingservice under unified credit mode and Points out3PL’s differentfinancing decisions under the constraint of practical market demand.Studies show that the credit rate is a constant, which is confined by thenational lending rates, and when the core enterprise raise the repurchaseprice or the repurchase rate appropriately, the borrowing enterprise canobtain a higher loan-to-value ratio.This study enriches the content of the supply chain finance theory，and provide practical guidance with the development of supply chainfinance business.