Determining certain interest rate and loan to value ratio (LTV) can make creditors mitigate credit risk, which comes from the price risk and liquidity risk of collateral in inventory pledge loan.

• 摘要存货抵押贷款中，信用风险主要来源于抵押物价格和流动性风险，信贷人确定适当的利率和贷款价值比能够有效缓释信用风险。