| The economic development and shift in dietary habits have necessitated the presence of fruits and vegetables,meat and eggs,aquatic products on the table.Due to the developing process,the cold chain logistics system in our country is under greater economic pressure.In June 2020,the policy of Agricultural Products Circulation emphasized the need to actively invest resources to achieve a safe and high-quality supply of agricultural products.Several years later,cold chain logistics of fresh agricultural products has developed,but there are still many links and uncoordinated,high cost,farmers weak awareness of the main body and other problems.In the process of financial supervision,there are also problems of difficulty in supervision and high loss of collateral value.In this paper,the supply chain financial supervision and incentive game model is established under the inventory pledge mode,with the aim of enhancing the quality of supply chain finance and cold chain industry of fresh agricultural products through the effective supervision and incentive mechanism.In this paper,qualitative and quantitative analysis method is adopted,and incentive game theory is used to establish the financial regulation model based on fresh enterprises,banks,logistics supervision enterprises and the regulation game model under the incentive mechanism.In the traditional financial model,through the analysis of the cooperative relationship between logistics enterprises and fresh loan enterprises,the expected earnings of both are obtained,and the influence of supervision costs on the normal earnings of banks is studied.On this basis,the incentive game model between banks and logistics supervision enterprises is established by introducing the reward and punishment mechanism.With the results,the interest rate and pledge rate are determined as the decision basis of risk control,and the bank’s income,incentive coefficient and the effort level of logistics enterprises are determined by evolutionary analysis,so as to build an effective financial supervision incentive mechanism.Finally,the case study method is adopted and Yiguo Fresh is selected as the research object to verify the validity of the model.The research shows that the supervision cost and the extra income of logistics enterprises affect the choice of logistics enterprises.The reward and punishment mechanism is adopted to make Cainiao logistics enterprises more inclined to cooperate with banks,which improves the incentive coefficient according to the possibility of cooperation between logistics enterprises and fresh enterprises,so as to effectively reduce the moral hazard of logistics enterprises.In addition,banks can promote the supervision of logistics enterprises by setting reasonable incentive standards.The success of the inventory pledge business depends on the appropriateness of the pledge rate and interest rate.These two factors are crucial to the expected earnings of the bank.At the same time,they also provide a feasible investment plan for small and medium-sized enterprises,thus effectively improving the loan fulfillment rate.Certain references for banks and enterprises to pledge fresh agricultural products inventory financing are provided in this paper,in order to conduct the high-quality development and the effective use of supply chain financial supervision mechanism. |
