Research On Optimizing Loan-to-value Ratio Of Joint-stock Commercial Banks Based On Financing Warehouse

It is minor enterprises that mainly promote the economic development of China after the opening-up policy.Minor enterprises play a vital role in developing national economy,as well as increasing the number of employed people,satisfying the demands of diversity and personalized life,fostering potential entrepreneurs and innovating new technologies since the beginning of the 21 st century.Because of that,minor enterprises have aroused much attention than before.However,minor enterprises got trapped by scarcity of financial support because of the recession of global economy.The reduced economic growth rate in China and the imbalance of the real economy and virtual economy impacts it as well.The target of supply chain management is getting the optimal effectiveness of the entire supply chain via co-operation of each enterprise to achieve the optimal logistics,information flow and capital flow management.Supply chain finance has largely benefited to satisfy the financial support to minor enterprises,reduce their cost then eventually achieve the optimal capital management of supply chain.Joint-stock commercial banks,the major financial support supplier of supply chain finance,have supplied the large number of capital demands of minor enterprises;have made a tremendous contribution to optimize the capital flow of supply chain.From the perspective of the optimal capital flow management of supply chain,this article analyzes the state of Loan-to-value ratio of financing warehouse based on the dilemma that minor enterprises get lower financial support,and takes an example for joint-stock commercial bank A to find out the key elements that influence the Loan-to-value ratio,then designs a new financing warehouse method by using hedging to optimize the Loan-to-value ratio of joint-stock commercial bank A and achieve the optimal capital flow management of supply chain eventually.