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受自由现金流的限制,中小企业需要外部融资来实现良性运营,供应商信用担保贷款是一种有效手段.考虑银行下侧风险控制的担保贷款模型,根据供应链购销过程中的订货量和批发价参数决策,评价供应链内部无风险资本转移过程.通过建立供应商担保费率、风险担保比率设计和银行利率组合模型,确定贷款担保系统的最优决策.研究结果表明:在具有贷款可获得性的资金约束供应链中,存在最优订货量与批发价的组合,且供应商销售收入存在最值;在担保贷款过程中,存在最优风险分担比例,通过设计合理的风险控制模型,可提高零售商资金水平,达到供应链的协同.
Due to the limitation of free cash flow, SMEs need external financing to achieve benign operation, and supplier credit guarantee loan is an effective measure.Considering the secured loan model of bank risk control under the bank, according to the order quantity and wholesale Price parameter decision-making to evaluate the process of risk-free capital transfer in the supply chain.On the basis of establishing the supplier guarantee rate, risk guarantee ratio design and bank interest rate portfolio model, the optimal decision-making of loan guarantee system is determined.The results show that: In the supply chain with sexual capital constraints, there exists a combination of the optimal order quantity and the wholesale price, and the supplier’s sales revenue has the most value. In the guarantee loan process, there exists the optimal ratio of risk sharing. By designing a reasonable risk control model, Raise the level of retailers funds to achieve supply chain synergies.