存货贷款是以企业存货或商品为担保品的贷款。美国短期商业抵押贷款的一种。批发和零售商在资金融通上通常使用这种方式，制造业有时也申请这种贷款。贷款发放时，首先要调查借款企业的资信状况，分析企业的偿债能力; 其次要确定放款的百分比，即根据存货的易售性、市场稳定性以及易坏性等决定贷款的折扣率; 第三要办理动产质权的设定手续。
... 存单 - Certificate of deposit (COD) 存货贷款 - Inventory credit 存款动员 - Deposit mobilization ...
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确定合适的质押存货贷款价值比率能够使银行有效地缓释存货质押融资业务的信用风险。
Determining appropriate loan-to-value ratios of commodity collateral can make Banks mitigate credit risk of inventory financing effectively.
研究存货质押贷款中，当信贷人对借款人质押前违约概率信息不对称时，考虑借款人信号发送行为时对借款人的甄别。
On inventory pledge loan, creditor can screen on borrowers with asymmetric information of ex ante default possibility, when taking into account borrowers' signaling action by acquiring a credit score.
存货抵押贷款中，信用风险主要来源于抵押物价格和流动性风险，信贷人确定适当的利率和贷款价值比能够有效缓释信用风险。
Determining certain interest rate and loan to value ratio (LTV) can make creditors mitigate credit risk, which comes from the price risk and liquidity risk of collateral in inventory pledge loan.
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