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An Optimal Financial Response to Variable Demand

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Author Info
Emery, Gary W.
Abstract

This paper develops a positive theory of trade credit based on its use as a financial response to deterministic variations in demand. The operating alternatives to trade credit, which include the use of storage or additional capacity, are modeled using results from the peak-load pricing literature. The paper shows that the extension of credit partitions the buyer's inventory cost and permits specialization at incurring the components of this cost. This specialization is economical when the seller has an advantage at incurring the financial cost and does not have an advantage at incurring the operating cost of accommodating variable demand. Conditions that provide these necessary and sufficient cost relationships are described. The paper also shows that a reduction in costs rather than an increase in revenues is the source of both the buyer's and seller's increase in wealth.

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Publisher Info
Article provided by Cambridge University Press in its journal Journal of Financial and Quantitative Analysis.

Volume (Year): 22 (1987)
Issue (Month): 02 (June)
Pages: 209-225
Download reference. The following formats are available: HTML (with abstract), plain text (with abstract), BibTeX, RIS (EndNote, RefMan, ProCite), ReDIF
Handle: RePEc:cup:jfinqa:v:22:y:1987:i:02:p:209-225_01

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  1. Greet Asselbergh, 2002. "Financing firms with restricted access to financial markets: the use of trade credit and factoring in Belgium," European Journal of Finance, Taylor and Francis Journals, vol. 8(1), pages 2-20, March. [Downloadable!] (restricted)
  2. Cyril Monnet & Frederic Boissay, 2004. "Bankruptcy in Credit Chains," Econometric Society 2004 North American Winter Meetings 133, Econometric Society. [Downloadable!]
  3. George W. Blazenko & Kirk Vandezande, 2003. "The product differentiation hypothesis for corporate trade credit," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 24(6-7), pages 457-469. [Downloadable!]
  4. Guido De Blasio, 2004. "Does trade credit substitute for bank credit?," Temi di discussione (Economic working papers) 498, Bank of Italy, Economic Research Department. [Downloadable!]
  5. Guido De Blasio, 2003. "Does Trade Credit Substitute Bank Credit? Evidence from Firm-level Data," IMF Working Papers 03/166, International Monetary Fund. [Downloadable!]
  6. Rodríguez Rodríguez, O. Mª, 2005. "El crédito comercial en las pymes canarias desde una perspectiva multivariante," Estudios de Economía Aplicada, Estudios de Economía Aplicada, vol. 23, pages 773-816, Diciembre. [Downloadable!] (restricted)
  7. Frederic Boissay, 2006. "Credit chains and the propagation of financial distress," Working Paper Series 573, European Central Bank. [Downloadable!]
  8. Yungsan Kim & Woon Gyu Choi, 2003. "Trade Credit and the Effect of Macro-Financial Shocks: Evidence from U.S. Panel Data," IMF Working Papers 03/127, International Monetary Fund. [Downloadable!]
    Other versions:
  9. Bastos, Rafael & Pindado, Julio, 2005. "An Agency Model for Trade Credit Policy," Documentos de Trabajo "Nuevas Tendencias en Dirección de Empresas". Working Papers "New Trends on Business Administration". 2005-03, Interuniversitary Doctorate Program "New Trends on Business Administration", Universities of Valladolid, Burgos and Salamanca (Spain). Programa de Doctorado Interuniversitario "Nuevas Tendencias en Di.
  10. Cunningham, Rose, 2005. "Trade Credit and Credit Rationing in Canadian Firms," Economic Analysis (EA) Research Paper Series 2005036e, Statistics Canada, Analytical Studies Branch. [Downloadable!]
  11. Mitchell A. Petersen & Raghuram G. Rajan, 1996. "Trade Credit: Theories and Evidence," NBER Working Papers 5602, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    Other versions:
  12. Wako Watanabe, 2004. "Availability of Firms' Information and their Choice of External Credit: Evidence from the Data of Small Firms," ISER Discussion Paper 0616, Institute of Social and Economic Research, Osaka University. [Downloadable!]
  13. Alarcon, Silverio, 2008. "The Role of Trade Credit in the Spanish Agrogood Industry," 2008 International Congress, August 26-29, 2008, Ghent, Belgium 43861, European Association of Agricultural Economists. [Downloadable!]
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