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.
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。
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.
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。
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