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The loan-to-value ratio is the key to decide bank facing different degree of credit risk, which directly affect the profitability of the bank. In order to avoid bank’s losses accused by inventory financing due to credit risk, this paper chooses the loan-to-value ratio as the research object supposed that Credit risk events follow Poisson distribution. By the model construction, the bank can get best ratio under different credit risk. The research results provide important practical significance for bank to make decisions about the best loan-to-value ratio in the inventory financing business of the loan enterprises.

Research on the best loan-to-value ratio of inventory financing based on credit risk