此外，要严格把握土地抵押率，按比例发放贷款，严防过度授信；

Plus, commercial banks should also examine the land mortgage rate and grant credit with an appropriate percentage, avoiding over-credit.

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于是，论文得出了基于银行统一授信和价格波动率博弈分析下的不同仓储策略的仓单质押贷款质押率计算模型。

Thus, based on Bank-Integrated-Credit and Game-Analysis model of price fluctuation-law and different warehouse strategies, a computing model of loan-pledge-rate is concluded.

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