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。
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 .
抵押物价格风险