It comes to the conclusion that in the case that the bank gives the lower loan to value,the retailer will not borrow unless it has no enough initial cash to maintain .

In the case that the retailers have a noncooperation game with the bank,the paper studies the bank′s loan to value design when the mortgage commodity′s disposal price is no more than its storage one.

On Loan-to-value Ratios of Stock-pledging Loan;

Determining appropriate loan-to-value ratios of commodity collateral can make banks mitigate credit risk of inventory financing effectively.

Loan Pricing of Commercial Banks Based on the Balance among "The Three Characters";

Loan Pricing Based on Probability of Default and Loss Given Default;

Commercial Bank Loan Pricing Model Based on the Modern Financial Theories and the Practice in China;