物联网技术下重复质押风险的防范
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摘要
由于动产质押中重复质押的风险,给银行带来难以预估的损失。针对是否采用物联网技术防范重复质押风险的决策以及物联网采用成本的控制,对比分析了银行与第三方监管企业采用物联网前后两阶段的收益状况。着重分析物联网技术的采用对银行与第三方监管企业的收益及银行支付监管费用的影响。结果表明,物联网技术的采用成本在一定取值内,银行与第三方监管企业能共同提升总体收益并取得长期的合作关系。此外,物联网的采用不仅有效防范了动产质押监管中重复质押的风险,同时改善了供应链成员之间信息不对称的现状。
Due to the risk of duplicate pledges in chattel pledges, it brings unpredictable losses to the banks. This article aims at the decision of whether to adopt Internet of Things(IoT)technology to prevent duplication of pledged risk decisionmaking and control of the IoT cost, the comparative analysis of banks and third-party regulatory businesses before and after the adoption of the IoT two-stage returns. The article focuses on the analysis of the impact of the adoption of IoT technology on the revenue of banks and third-party regulated companies and the regulatory costs of bank payments. The results show that the adoption cost of IoT technology is within a certain value, and the bank and third-party supervisory enterprises can jointly enhance the overall revenue and achieve long-term cooperative relationship. In addition, the adoption of IoT not only effectively prevents the repeated pledges problems, but also improves the status of information asymmetry between supply chain members.
Due to the risk of duplicate pledges in chattel pledges, it brings unpredictable losses to the banks. This article aims at the decision of whether to adopt Internet of Things(IoT)technology to prevent duplication of pledged risk decisionmaking and control of the IoT cost, the comparative analysis of banks and third-party regulatory businesses before and after the adoption of the IoT two-stage returns. The article focuses on the analysis of the impact of the adoption of IoT technology on the revenue of banks and third-party regulated companies and the regulatory costs of bank payments. The results show that the adoption cost of IoT technology is within a certain value, and the bank and third-party supervisory enterprises can jointly enhance the overall revenue and achieve long-term cooperative relationship. In addition, the adoption of IoT not only effectively prevents the repeated pledges problems, but also improves the status of information asymmetry between supply chain members.
引文
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[13]庞燕,李义华.农产品物流仓单质押盈利模式及其利益分配模型[J].系统工程,2015,33(12):66-71.
[14]赵国坤,孙喜梅,汪颖.基于供应链信用的零售商质押量决策研究[J].深圳大学学报(理工版),2016,33(1):102-110.
[15]Khan M,Hussain M,Saber H M.Information sharing in a sustainable supply chain[J].International Journal of Production Economics,2016,181(4):208-214.
[16]Niinim?ki J P.Collateral in credit rationing in markets with asymmetric information[J].The Quarterly Review of Economics and Finance,2017.
[17]Meles A,Porzio C,Sampagnaro G,et al.Collateralization of business loans:testing the prediction of theories[J].Research in International Business and Finance,2017,42(7):922-938.
[18]汪旭晖,杜航.基于物联网采纳的生鲜农产品冷链物流决策-成本收益分析视角[J].系统工程,2016,34(6):89-97.
[19]Sang Xiaojuan,Zhao Min.Exploring the information asymmetric factors of pledges of warehouse certificates based on internet of things[J].Procedia Engineering,2017,174:1161-1168.
[20]陈书义,李建慧,吴明娟,等.物联网动产质押监管系统应用及标准化[J].信息技术与标准化,2017(7):20-22.
[21]弓永章,刘逢,庞瑞琪,等.基于物联网技术的供应链金融物流监管[J].中国科技论坛,2017(6):131-136.
[22]Wuttke D A,Constantin B,Sebastian H,et al.Supply chain finance:optimal introduction and adoption decisions[J].International Journal of Production Economics,2016,178(5):72-81.
[2]李毅学,冯耕中,张媛媛.委托监管下存货质押融资的关键风险控制指标[J].系统工程理论与实践,2011,31(4):587-598.
[3]何娟,蒋祥林,王建.不完全信息下存货质押业务中参与多方博弈行为分析[J].华东经济管理2012,26(12):105-109.
[4]刘妍,安智宇.考虑流动性风险的存货质押融资质押率的设定[J].中国管理科学,2014,22(S1):324-328.
[5]孙喜梅,赵国坤.考虑供应链信用水平的存货质押率研究[J].中国管理科学,2015,23(7):77-84.
[6]陈云,刘喜,杨琴.基于清算延迟和流动性风险的供应链存货质押率研究[J].管理评论,2015,27(4):197-208.
[7]Agarwal S,Green R K,Rosenblatt E L,et al.Collateral pledge,sunk-cost fallacy and mortgage Default[J].Journal of Financial Intermediation,2015,24(10):636-652.
[8]张京敏,徐临莉.存货质押融资中银行与物流企业风险承担研究[J].商业经济研究,2016(23):162-163.
[9]Berger A N,Frame W S,Vasso I.Reexamining the empirical relation between loan risk and collateral:the roles of collateral liquidity and types[J].Journal of Financial Intermediation,2016,26:28-46.
[10]李健,王雅洁,吴军,等.考虑声誉效应的存货质押融资中银行对物流企业的激励机制研究[J].中国管理科学,2017,25(7):86-92.
[11]Sreedevi R,Saranga H.Uncertainty and supply chain risk:the moderating role of supply chain flexibility in risk mitigation[J].International Journal of Production Economics,2017,193(6):332-342.
[12]江玮璠,易东波,吴容,等.多批次存货质押融资下的库存管理[J].系统工程,2015,33(1):122-127.
[13]庞燕,李义华.农产品物流仓单质押盈利模式及其利益分配模型[J].系统工程,2015,33(12):66-71.
[14]赵国坤,孙喜梅,汪颖.基于供应链信用的零售商质押量决策研究[J].深圳大学学报(理工版),2016,33(1):102-110.
[15]Khan M,Hussain M,Saber H M.Information sharing in a sustainable supply chain[J].International Journal of Production Economics,2016,181(4):208-214.
[16]Niinim?ki J P.Collateral in credit rationing in markets with asymmetric information[J].The Quarterly Review of Economics and Finance,2017.
[17]Meles A,Porzio C,Sampagnaro G,et al.Collateralization of business loans:testing the prediction of theories[J].Research in International Business and Finance,2017,42(7):922-938.
[18]汪旭晖,杜航.基于物联网采纳的生鲜农产品冷链物流决策-成本收益分析视角[J].系统工程,2016,34(6):89-97.
[19]Sang Xiaojuan,Zhao Min.Exploring the information asymmetric factors of pledges of warehouse certificates based on internet of things[J].Procedia Engineering,2017,174:1161-1168.
[20]陈书义,李建慧,吴明娟,等.物联网动产质押监管系统应用及标准化[J].信息技术与标准化,2017(7):20-22.
[21]弓永章,刘逢,庞瑞琪,等.基于物联网技术的供应链金融物流监管[J].中国科技论坛,2017(6):131-136.
[22]Wuttke D A,Constantin B,Sebastian H,et al.Supply chain finance:optimal introduction and adoption decisions[J].International Journal of Production Economics,2016,178(5):72-81.
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