The Demand Relies On The Handling Rate And Service Level Of The Seller's Consumer Credit Supply Chain Coordination Contract Research

With the rapid development of China's economy and the consumption environment,the development of policies continue to improve,consumer credit model is becoming a new trend of development which has a profound impact on people's lives and promoting the concept of mass consumption changes.In view of the professionalism of commercial banks,consumer finance companies and other financial institutions,a considerable number of retailers and suppliers such as electricity providers and other supply chain enterprises have to cooperate with consumer credit business.The cooperation between financial institutions and supply chain enterprises can not only stimulate the potential demand effectively,increase the sales volume of retailers,realize the growth of sales revenue of supply chain enterprises,but also expand the profit channels of financial institutions,accelerate the innovation of financial products,increase the customer stickiness.However,when the introduction of financial institutions assimilate into supply chain coordination,on the one hand,the retailers always want financial institutions to charge the lowest possible rate,while also providing high-level,professional credit services,but this will improve the cost of financial institutions;on the other hand,the financial institution also always want the retailer to order as much as possible to fully meet the credit demand for the sales season,but the retailer's order decisions need to take into account the risk of remaining inventory backlog,this will led to the conflict between the two interests.In view of this,this paper focused on the supply chain coordination point.Under the credit consumption rate or(and)the effect of credit service level on the market demand,we designed an effective contract mechanism to achieve the seller's consumption credit system coordination which is composed of financial institutions and supply chain enterprises constitute,at the same time,achieve win-win situation.Firstly,we conducted a research on the coordination contract between retailers and financial institutions with demand-dependent fee rate.Under the situation of the fee rates affecting the demand,we studied the seller's consumer credit cooperation order decision-making and fee rate decision-making which carried out by a single retailer and a single financial institutions.The study showed that the proposed combination contract of revenue sharing and two-part tariff can coordinate the order decision of the retailer,and can also coordinate the decision fee of the financial enterprise.When the contract parameter satisfies the certain condition,the combination contract also can make the profits of retailers and financial enterprises higher than the optimal profit under decentralized decision-making at the same time.The combination contract can achieve mutual benefit,win-win situation and improve the overall system performance.Secondly,the study of the demand-dependent fee rate of manufacturers,retailers and financial institutions tripartite coordination contract was studied.Under the condition that stochastic demand depends on the fee rate,this paper mainly studied the coordination problem of three-level supply chain composed of individual suppliers,single retailers and individual financial institutions.The results showed that the proposed revenue sharing and consumption subsidy contract model can not only achieve the coordination of the system,but also can achieve the retailers,manufacturers and financial institutions of the three profits Pareto improvement under the situation that the contract parameters meet certain conditions,Finally,a numerical example showed that the proposed revenue sharing and consumption subsidy contract model can greatly enhance the overall performance of the seller's consumer credit system,which effectively promotes the mutual benefit and win-win situation among retailers,manufacturers and financial institutions.Thirdly,the research on the coordination contract between retailers and financial institutions based on cost sharing contract was carried out.This paper mainly studied the seller's consumer credit system order decision-making which is composed of a single retailer and a single financial institutions constitute and credit service level decision-making issues.The study showed that the proposed revenue-sharing and cost-sharing contract can not only achieve the coordination of the system,but also can achieve the retailer and financial enterprise profit Pareto improvement.Fourthly,we studied the tripartite coordination contract for manufacturers,retailers and financial institutions with demand-dependent service level.The establishment of an effective contract mechanism can simultaneously coordinate the retailer's order decision and the financial institution's service level decision.The study showed that the introduction of the cost-sharing contract on the basis of the revenue sharing contract not only allow the optimal order quantity of the retailer and the credit service level of the financial enterprise to be consistent with the optimal strategy under the centralized decision model,but also to achieve the profits of manufacturers and retailers Pareto improvement.The results of the numerical analysis further validated the scientific nature and enforceability of the proposed joint contract,and also showed that the revenue sharing and cost sharing joint contract can achieve the seller's consumer credit system members of the mutual benefit and win-win.The consumer credit system profits were also improved.Finally,on the basis of the previous four chapters,taking into account the fact that the market demand for credit consumption in reality is often affected by the rate of fees and the level of credit services at the same time,we studied the retailers and financial institution coordination contract when the demand is dependent on the fee and service level of consumer credit at the same time.The seller's consumer credit system is composed of a single financial institution and a single retailer.We assumed that the credit consumption demand adopts the additive mode form.The revenue sharing and cost sharing joint contract was designed to achieve the win-win and system profit.The empirical study showed that the contract mechanism can effectively coordinate the profit of the supply chain system.In addition,the influence of the elasticity coefficient on the system profit and the optimal decision was analyzed.