LOAN LIMIT ANALYSIS OF DOWN-RISK-AVERSE BANK BASED ON SUPPLY CHAIN FINANCIAL INNOVATION
供应链金融创新中下侧风险规避银行的贷款额度分析

This paper focuses on loan limit indicator of seasonal inventory financing in supply chain financial innovation. According to the ``corporate and debt" method in trade credit and based on the logistic features of consigning-supervision mode and the relevant cost-benefit structure, this paper analyzes cash flow statement of borrowers. Then, this paper assumes downside-risk-averse banks instead of risk-neutral banks discussed in existing literature, and analyzes loan limit consistent to risk tolerance level of banks in seasonal inventory financing. The results show that downside-risk limits can control the risk of seasonal inventory financing and make the loan consistent to risk tolerance level of banks.