关键词: 风险评价, 物流金融, 存货质押, D-S证据理论

Abstract: Risk rating for inventory financing business before loans is an effective measure for avoiding risks and selecting valued clients. Index system of risk rating is constructed for inventory financing business. Representation of quantitative and qualitative indexes, historical data, experts’ opinions, and industry experiences for mass functions are conducted, and a risk rating model for inventory financing business is constructed by evidence theory. To void the weakness that the weights of experts’ opinions are determined too subjective to qualitative indexes, a synthesis weighting method is proposed based on Jousselme’s measure of distance between evidences. Numerical simulations show that the proposed model can measure the risk level intuitively, and help banks to audit the applications of loan companies.

Key words: risk evaluation, logistic financial, inventory financing, D-S evidence theory