关键词: 供应链金融, 博弈论, 重复质押, 物联网技术, 投资决策

Abstract: Due to the risk of duplicate pledges in chattel pledges, it brings unpredictable losses to the banks. This article aims at the decision of whether to adopt Internet of Things（IoT） technology to prevent duplication of pledged risk decision-making and control of the IoT cost, the comparative analysis of banks and third-party regulatory businesses before and after the adoption of the IoT two-stage returns. The article focuses on the analysis of the impact of the adoption of IoT technology on the revenue of banks and third-party regulated companies and the regulatory costs of bank payments. The results show that the adoption cost of IoT technology is within a certain value, and the bank and third-party supervisory enterprises can jointly enhance the overall revenue and achieve long-term cooperative relationship. In addition, the adoption of IoT not only effectively prevents the repeated pledges problems, but also improves the status of information asymmetry between supply chain members.

Key words: supply chain finance, game theory, repeated pledge, Internet of Things（IoT） technology, investment decision