学术探索
學術探索
학술탐색
Academic Research
2013年
11期
54~57
,共null页
存货组合质押贷款 鲁棒性 价格波动 价格监控 组合价格
存貨組閤質押貸款 魯棒性 價格波動 價格鑑控 組閤價格
존화조합질압대관 로봉성 개격파동 개격감공 조합개격
resultant inventory pledge loan; robustness; price volatility; price monitoring; combination price
存货组合质押贷款可以有效控制风险,提高贷款额度,是解决中小企业融资难问题的有效途径,但其后期清偿管理仍存在着诸多难题,其中最为突出的便是市场价格波动对银行清偿质押物所带来的消极影响。本文从价格波动的随机性和不可预见性、组合性和复合性、相互影响和相互干扰、存货组合质押清算策略的鲁棒性和滞后性等方面分析基于价格波动的存货组合质押最优清算中存在的问题。并从价格监控和价格预测,单个价格和组合价格的关系,价格的系统变化、随机变化和相互干扰,提高存货组合质押清算策略的鲁棒性、时效性等方面提出相应对策建议。
存貨組閤質押貸款可以有效控製風險,提高貸款額度,是解決中小企業融資難問題的有效途徑,但其後期清償管理仍存在著諸多難題,其中最為突齣的便是市場價格波動對銀行清償質押物所帶來的消極影響。本文從價格波動的隨機性和不可預見性、組閤性和複閤性、相互影響和相互榦擾、存貨組閤質押清算策略的魯棒性和滯後性等方麵分析基于價格波動的存貨組閤質押最優清算中存在的問題。併從價格鑑控和價格預測,單箇價格和組閤價格的關繫,價格的繫統變化、隨機變化和相互榦擾,提高存貨組閤質押清算策略的魯棒性、時效性等方麵提齣相應對策建議。
존화조합질압대관가이유효공제풍험,제고대관액도,시해결중소기업융자난문제적유효도경,단기후기청상관리잉존재착제다난제,기중최위돌출적편시시장개격파동대은행청상질압물소대래적소겁영향。본문종개격파동적수궤성화불가예견성、조합성화복합성、상호영향화상호간우、존화조합질압청산책략적로봉성화체후성등방면분석기우개격파동적존화조합질압최우청산중존재적문제。병종개격감공화개격예측,단개개격화조합개격적관계,개격적계통변화、수궤변화화상호간우,제고존화조합질압청산책략적로봉성、시효성등방면제출상응대책건의。
Resultant inventory pledge loan can effectively control risk and raise the loan limit, which is an effective way to solve the problem of financing for SMEs. But there are still many problems in liquidation stage, the most prominent of which is the negative impact of market price fluctuations. This article analyzes the problems in the liquidation of resultant inventory pledge loan from the perspectives of randomness and unpredictability of price fluctuations, combination and complex of price, mutual in- fluence and interference, robustness and lag of liquidation strategies. Then it proposes corresponding suggestions in terms of price controls and price forecast, the relationship between single price and price combination, system changes of price, random changes and mutual interferences and improvement of the robustness and timeliness of liquidation strategies.