关键词: 供应链金融, 增信要素, 信用结构, 授信比率, 授信额度

Abstract: Starting from credit, firstly, this paper analyzes the elements of increasing credit of supply chain finance(SCF), and the credit structure composition of highway transportation capacity, constructs the specific indicators of principal credit, transaction credit and regulatory credit, and clarifies the relationship among the three factors and the credit line of SCF. Secondly, on the basis of financing self-compensation, the basic value of the credit ratio and the impact of regulatory credit on the basic value are determined by analyzing the composition and statistical data of highway transportation capacity costs. Based on the characteristic that the logistics enterprises’ goods volume obeys the normal distribution, the impact of highway transportation freight revenue and transaction credit on freight revenue is simulated.Finally, combining with the two models, a credit line model is constructed which is subject to the constraint test of cash flow of principal credit, and a case study is made on the risk preference of financial institutions for risk aversion.

Key words: SCF, elements of increasing credit, credit structure, creditgranting ratio, credit line