Research on Inventory Pledge Financing Pledge Decision under Internet of Things Technology  

作　　者：Xiangxiang Zhang Gengjun Gao 

机构地区：[1]Institute of Logistics Science and Engineering,Shanghai Maritime University,Shanghai,201306,China

出　　处：《Journal of Finance Research》2020年第2期80-86,共7页财经研究杂志（英文）

摘　　要：Inventory pledge financing not only solves the financing difficulties of small and medium-sized enterprises,but also opens up business channels for banks.Under the random market demand,this article studies the pledge decision-making of perishable pledges in the inventory pledge business,On the basis of considering the supervision of the Internet of Things technology to reduce the loss rate of quality goods,a decision model of the pledge rate of the bank is constructed in the case of not adopting the Internet of things technology and adopting the Internet of things technology.The pledge rate decision-making model in the two technical situations aims at maximizing the profit at the end of the pledge period.The factors in the model such as the pledge rate,end-of-period income,and IoT technology coverage rate are analyzed respectively,and finally the decision-making process is verified through calculation examples.Studies have shown that,when Internet of Things technology is not adopted,the income of bank pledge business first increases and then decreases with the growth of pledge rate.After the adoption of Internet of Things technology,the income of Banks is inversely proportional to the coverage rate of Internet of Things technology.However,within a certain coverage range,Banks can obtain greater income by using Internet of Things technology to supervise pledges.

关 键 词：SMES Inventory pledge financing Pledge rate Internet of Things technology 

分 类 号：TP3[自动化与计算机技术—计算机科学与技术]