Research On SMEs Financing Pledge Collateral Ratio

Current inventory financing is not only one of the important areas of logistics andfinance in the form of logistics operators,but also it will be a great potential foreconomic growth and an important way to solve the financing difficulties of SMEs.Inventories pledged business is a product of the logistics industry and the financialsector in the practice of combining, which is an innovative logistics industry and also isan innovative for financial industry. In practice, inventory financing widely used bySMEs. It can better solve the problem of financing the Borrower for SMEs and improvecapital utilization efficiency. On the other hand, Inventory financing can help banks todevelop there reputable customers and reduce the risk of loan defaults and also gaingreater market share; then secondly, for logistics companies, logistics companies cancontribute to a more professional direction and explore new business areas to improvetheir profitability. So pledge business inventories can be a good solution to thecontradiction between enterprises and banks.The same time,it can help banks andlogistics companies and SMEs integrate the resources, so that the bank, the SMEs andlogistics companies can benefit three parties to achieve a win-win goals.However, in reality, inventory pledge business is still in the development stage.Itcan be effectived by the various factors and has not formed a sound theoreticalframework. Most of the existing literature is studied from a static inventory pledgebusiness.In this paper, firstly, inventory pledge background is introduced and thedevelopment status of domestic and international stock pledge business isIntroduced.And then we discusses the concepts of SMEs and theoretical basis ofinventories pledged. In the third chapter, we discuss Inventory needs to determine theconditions under optimal proportion pledge business. In the fourth chapter, we discussthe ratio of inventories pledged under demand uncertainty. Then examples are given. weuse the examples to verify the existence of an optimal ratio and inventory pledgecollateral ratio between bank interest rates and the ratio of inventories pledged collateralrate relationship. At last,the conclution is given that there is the optimal ratio ofinventories pledged in practice. At the same time, the lack of research articles is given and what further research should be done.