对平台式公路运输供应链的信贷融资的授予分析
Lili Xu1, Feng Liu2, Xuejian Chu2
1Business School, Shanghai Dianji University, Shanghai China.
PloS one
|July 10, 2024
概括
这项研究优化了基于平台的公路运输供应链的信贷额度. 更高的交易信贷和利率增加了利,为金融机构提供了一个新的信贷评估工具.
科学领域:
- 供应链管理 供应链管理
- 金融工程是金融工程.
- 运输 运输 物流 后勤
背景情况:
- 数字化转型影响公路运输供应链.
- 金融信贷融资模式对于基于平台的物流至关重要.
- 现有的融资方法需要对平台企业进行优化.
研究的目的:
- 分析基于平台的公路运输供应链的两个金融信贷融资模式.
- 建立一个最佳的信贷额度和预期利最大化模型.
- 为融资模式开发一个动态的早期预警系统.
主要方法:
- 分析上游,下游企业和网络货运平台作为融资机构.
- 交易信用原则和闭环交易的应用.
- 开发预期利最大化模型和最佳信贷额度的确定.
- 整合高速公路货运指数和物流繁荣指数,实现动态预警.
主要成果:
- 信用额度和预期利随着交易信贷,货运量和利率的增加而增加.
- 利率对利增长的影响更大.
- 提出了一个二维的信用矩阵 (交易信用与信用利率).
结论:
- 该研究为金融机构提供了直观的信用参考.
- 优化的信贷融资增强了基于平台的公路运输供应链.
- 拟议的模型和矩阵支持在物流融资中做出明智的信贷决策.
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