基于阶段贷款方法的存货组合质押风险控制研究

发布时间：2018-01-07 03:31

本文关键词：基于阶段贷款方法的存货组合质押风险控制研究　出处：《商业研究》2014年04期 　论文类型：期刊论文

【摘要】：阶段贷款方法对存货组合质押的风险控制具有重要作用。本文以中小型企业为研究对象,将阶段贷款方法纳入到存货组合质押过程中,建立基于阶段贷款方法的存货组合质押风险控制理论模型,从最优阶段数、各阶段贷款数量、放款条件、贷款企业道德风险、分阶段贷款撤销机制等方面,分析了将阶段贷款方法引入到存货组合质押风险控制中所存在的困难,并据此提出应有效规避道德风险,以风险最小化原则确定贷款阶段数,各阶段放款数量应兼顾银行风险和贷款企业生产经营状况,综合各指标确定放款条件,建立完善的激励机制,科学设置贷款撤销机制。
[Abstract]:The stage loan method plays an important role in the risk control of inventory portfolio pledge. This paper takes small and medium-sized enterprises as the research object and brings the stage loan method into the process of inventory portfolio pledge. A theoretical model of inventory portfolio pledge risk control based on the method of stage loan is established, which includes the optimal number of stages, the amount of loans in each stage, the loan conditions, the moral hazard of the loan enterprise, the withdrawal mechanism of the phased loan and so on. This paper analyzes the difficulties of introducing the stage loan method into the risk control of inventory portfolio pledge, and puts forward that the risk minimization principle should be used to effectively avoid moral hazard and determine the number of loan stages. The amount of loan in each stage should take into account the risks of banks and the production and operation of loan enterprises, determine the lending conditions synthetically, establish a perfect incentive mechanism, and set up the mechanism of withdrawal of loans scientifically.
【作者单位】：云南师范大学经济与管理学院;
【基金】：国家自然科学基金资助项目,项目编号:71362028,71262031 教育部人文社会科学研究项目,项目编号:11YJC630092 云南省哲学社会科学规划项目,项目编号:QN201209 云南省教育厅科学研究基金重点项目,项目编号:2011Z058
【分类号】：F832.4
【正文快照】： 一、引言截止到2011年,我国中小型企业数量、总产值、利税总额和总出口额分别占全国企业总量的99%、60%、40%和60%,在国民经济中的地位举足轻重。但是,接近53.8%的中小型企业都存在不同程度的资金不足,融资困难已经成为制约我国中小型企业发展的重要因素[1]。与大企业不一样,

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