动产质押融资模式下质押监管业务外包定价研究

发布时间：2018-01-29 03:17

本文关键词： 讨价还价动产质押融资银行第三方物流企业　出处：《湖北大学学报(哲学社会科学版)》2014年02期 　论文类型：期刊论文

【摘要】：银行和第三方物流企业质押监管业务外包定价是关系到动产质押融资业务能否顺利开展,银行能否开拓新的金融服务领域,中小企业能否解决资金难问题的重要问题。我们在转换成本加入传统讨价还价模型中,建立了动产质押融资模式下银行和第三方物流企业质押监管业务的讨价还价模型,同时运用逆向归纳法解出模型的完美贝叶斯均衡,继而比较分析考虑转化成本和不考虑转化成本讨价还价的完美贝叶斯均衡,最后就结论采用算例进行了验证。研究表明:第三方物流企业在考虑转换成本的讨价还价中在第一阶段的报价会受到双方的耐心程度的重要影响,耐心程度越高的第三方物流企业在第一阶段的报价不一定也越高,而唯有当博弈进入第二阶段之后,具有较小转换成本的参与方才能够取得价格谈判优势。反之,银行的耐心程度在不考虑转化成本的讨价还价中表现得越高,那么第三方物流企业在第一阶段的报价则越低。
[Abstract]:The outsourcing pricing of pledge supervision business of banks and third party logistics enterprises is related to whether the financing business of chattel pledge can be carried out smoothly and whether banks can open up new financial service fields. Whether small and medium-sized enterprises can solve the difficult problem of capital. We join the traditional bargaining model in the conversion cost. The bargaining model of bank and third party logistics enterprises' pledge supervision business under the mode of chattel pledge financing is established, and the perfect Bayesian equilibrium of the model is solved by reverse induction method. Then we compare and analyze the perfect Bayesian equilibrium which considers the transformation cost and does not consider the transformation cost bargaining. Finally, a numerical example is used to verify the conclusion. The study shows that the price offered in the first stage by the third party logistics enterprises in the first stage will be affected by the patience of both parties. The more patient the third-party logistics enterprises in the first stage of the price is not necessarily higher, but only when the game into the second stage. Participants with small conversion costs can gain the advantage of price negotiation. On the contrary, the more patient banks are in bargaining without considering the conversion costs. Then the third-party logistics enterprises in the first stage of the quotation is lower.
【作者单位】：昆明理工大学管理与经济学院;
【分类号】：F293.3;F832.4;F224
【正文快照】： 一、引言中小企业在我国社会经济的发展过程中起着重要的作用。据统计,我国中小企业数量现已经超过3000万户,大概占全国企业的99%左右,占国内生产总值的55%、利税的40%、就业机会的75%、出口总额的60%。但是,与中小企业的贡献形成反差的是,中小企业融资渠道的建设并不健全,中

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