Online Supply Chain Financial Competition-Cooperation Mechanism And Coordination Between E-commerce Enterprises And Banks

The ammount of small and medium enterprises account for more than 90% of all the enterprises in China,and their GDP accounts for about 60%.They have become an important part in Chinese economic development.However,financing is still the main difficulty faced by the 98% of these enterprises,due to the asymmetric information and low credit level.Online supply chain finance emerges as the times require and provides a new way for small and medium enterprises' financing.The research pays attention to online supply chain financial services provider(e-commerce enterprises and commercial banks),discusses the evolution process of their dynamic competitioncooperation relationship,stability,and coordination mechanism,combinng the qualitative and quantitative method.First,the thesis constructs an evolutionary game model of e-commerce enterprises and banks,further introduces breach & penalty contracts,and compares stable results of evolutionary game in non,low and high penalty contracts.Secondly,construct a stochastic evolutionary game model considering random disturbance factors,discuss the game stability theorem and its influence factors,as well as the design of penalty contract,then make a comparative analysis with the results of the traditional evolutionary game.Finally,in oder to describ the income structure and the influencing factors of decision-making of them more precisely,the income functions are established,the effort and the interest rate decision model and revenue coordination mechanism are discussed,drawing on the dual-channel method,in the condition of the coexistence of the competition and cooperation relationship between them.The main conclusions are as follows: Breach & penalty contracts actually play a guarantee role for the cooperation between the e-commerce enterprises and banks in constructing online supply chain finance,and the high penalty contract has a stronger binding.Random disturbance factors indeed have an effect on the evolution process of the game.The system eventually stabilizes in the bilateral cooperation strategy when the initial ratios and the revenue variables satisfy the stability condition at the same time.And the stochastic evolutionary game relaxes the internal and external environmental conditions of the game,so that its stable conditions are more strict than the traditional ones.Research on the coexistence of competition and cooperation shows that the optimal effort levels,interest rates and earnings under centralized decision making are all better than those under decentralized decision making.The Shapely value method and the profit sharing model can be used to achieve benefits coordination and lead to a win-win situation with prior agreements.The research on the decision making and the coordination of the competitioncooperation relationship between the e-commerce enterprises and banks in constructing online supply chain finance has a theoretical and a practical value at the same time.It helps to alleviate the financing difficulty of small and medium enterprises,meets the transformation needs of banks,helps e-commerce enterprises realize the innovation and development in Internet finance,and contribute to the economy and innovation national strategy.