Strategy Research On The Inventory Financing From The Perspective Of The Bank

Inventory financing revitalize the stock resources of small and medium-sized and alleviate the financial pressure, also open up a new business for financial institutions and logistics enterprises, but in the process of inventory financing, supervision of inventory, choice of inventory, credit of mortgagor and other risks are difficult to control. In the study of bank risk control strategy in the present, pay more attention to risk analysis of the process of business, less concerned the related risks before the business and the protection measures to ensure the smooth operation of the business. Accordingly, to make the bank as the research subject, it has important practical significance to regard inventory financing as a business of systematic.First of all, introduced the related theory of logistics finance and inventory financing and the sources of risk,. By using the fuzzy comprehensive evaluation method to appraise the supervision qualification of the third party logistics, provide a guarantee for the bank to choose a right partner.Then, according to the fourth party logistics platform pledge financial category selection, lists the available collateral commercial for bank selection, According to the credit risk of mortgagor, designed a evaluation index system considering the characteristics of pledge business; the borrower loan funds will be used to reorder, take advantage of the newsboy model, and study the optimal pledge rate decision of the bank.Finally, analysis the security factors prompt the bank to successfully carry out the business, put forward the macro level of social credit system construction, relevant laws and regulations of the construction and regulations of the construction and the trust and responsibility of supervision, the spirit of contract of borrower for the entire business to carry out the positive effect.In summary, this paper aiming at each link of inventory financing business risks that may exist in the system, the strategy of the bank, which focuses on the pledge rate optimization selection, evaluation of 3PL so that make the loan funds safe. Through the systemic strategy analysis, provides a set of operations for banks to carry out the inventory financing business, makes the business risk of visualization and controllability.