一、报告时间

2025年3月31日（星期一）上午10:00

二、报告形式

图书馆B107

三、报告人

蔡港树教授   圣塔克拉拉大学

四、报告主题

Curtailing Bank Loan and Loan Insurance Under Risk Regulations in Supply Chain Finance

五、报告摘要

Due to many firms' lack of collateral, banks have imposed loan limits as a form of risk-control regulations of bank financing. In response, loan insurance has emerged as a useful instrument to lift loan limits. To study the joint value of bank loans and loan insurance, this article investigates a supply chain composed of one supplier and one capital-constrained buyer who takes out a bank loan and potentially purchases loan insurance. The analysis reveals that both the supplier and the buyer can benefit from the bank financing with loan insurance in an insurance-cooperation region, wherein the supplier is willing to reduce the wholesale price to entice the buyer to purchase insurance. Further still, in the insurance-cooperation region, worse contract terms of the bank loan benefit the supplier, whereas worse policy terms of loan insurance help the buyer.

六、报告人简介

蔡港树教授目前担任圣克拉拉大学的教授及系主任，UTD24国际期刊《生产与运营管理》（POM）的资深编辑和国际权威期刊《决策科学》（DS）的副主编。他还是管理科学与工程学会供应链与运营管理分会的创始主任以及硅谷数智供应链研究院的创始人。蔡教授曾多次获得国际级、校级及学院级的优秀研究、教学与服务奖项。迄今为止，在供应链金融、运营管理、市场营销、电子商务、生产制造及服务管理等领域，蔡教授已在如Marketing Science、POM、MSOM、Management Science和PNAS等国际权威学术期刊上发表论文五十余篇。蔡教授是《供应链金融：机制原理、风险分析与技术创新》一书（中英文）的作者。