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当零售商以仓单质押的模式向银行申请贷款时,如果零售商面临着报童问题,那么零售商的生产经营决策,就会影响到质押物的价格,从而影响到银行的利润.从企业-银行不合作博弈的角度出发,考虑质押物的处理价不高于储存费用的情况下,银行的贷款价值比的确定问题.研究发现,当银行付予物流企业的监管费用高于某一数值时,银行的贷款行为将使其利润为负.
When a retailer applies for a loan from a bank in the mode of warehouse receipt pledge, if the retailer faces the problem of newspaper boy, the retailer’s decision of production and operation will affect the price of the pledge, which will affect the profit of the bank. From the enterprise- Bank non-cooperative game point of view, consider the pledge of the disposal price is not higher than the case of storage costs, the bank’s loan-to-value ratio to determine the problem.The study found that when the bank to the logistics enterprises regulatory costs higher than a certain value , The bank’s loan behavior will make its profit negative.