电商参与的供应链融资模式:银行借贷vs电商借贷

发布时间：2018-05-26 19:05

本文选题：供应链金融 + 电商金融　；参考：《中国管理科学》2017年07期

【摘要】：为了研究对电商平台及其资金不足的中小供应商均有利的融资模式,本文从供应链金融的视角出发,研究了银行借贷和电商借贷两种模式,构建了供应商通过订单作为抵押向电商平台融资的两方博弈批发价契约模型。研究发现:银行贷款利率是影响供应商和电商平台利润的重要指标,对供应商和电商平台同时有利的贷款利率存在两个阈值点,在两阈值点之内,电商借贷更有利,反之,银行借贷更有利;电商借贷模式对供应商及其所处供应链更有利,但无法提高供应链效率;自有资金量和资金使用成本也将影响双方的利润。
[Abstract]:In order to study the favorable financing model for e-commerce platform and its underfunded small and medium-sized suppliers, this paper studies the two models of bank lending and e-commerce lending from the perspective of supply chain finance. This paper constructs a two-party game wholesale price contract model in which suppliers use orders as collateral to finance e-commerce platform. It is found that the interest rate of bank loan is an important indicator that affects the profits of suppliers and ecommerce platforms. There are two threshold points for the loan interest rates beneficial to both suppliers and ecommerce platforms, and within the two threshold points, ecommerce lending is more advantageous. Bank lending is more advantageous; ecommerce lending is more beneficial to suppliers and their supply chains, but it cannot improve supply chain efficiency; the amount of their own funds and the cost of using funds will also affect the profits of both parties.
【作者单位】：重庆大学经济与工商管理学院;
【基金】：国家自然科学基金资助项目(71571024) 教育部人文社会科学研究一般项目(14YJA630087) 中央高校基本科研业务费资助(CDJKXB14004)
【分类号】：F724.6;F832.4

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