Research On P2P Supply Chain Financial Risk Control Strategy Under The Constraint Of Producers And Retailers

In recent years,online P2 P lending platforms have become more and more popular in the financing of supply chain financial systems.Major P2 P lending platforms have adopted various modes to provide supply chain financing services for entities.The online P2 P lending platform is compared with traditional commercial banks.Loans,financing efficiency is higher,this aspect is just combined with the urgent need for supply chain financing and short time.Therefore,the combination of P2 P lending and supply chain financing provides a new solution for SME financing.In this paper,we consider a single-cycle supply chain system with the participation of the online P2 P lending platform.The system consists of a single manufacturer and a single retailer.The retailer purchases the product at a certain wholesale price from the manufacturer according to demand.Retail prices are sold to customer groups.This paper assumes that small and medium-sized retailers have financial constraints in the procurement process.When retailers submit orders to producers,producers face similar funding constraints.We assume that retailers and producers must borrow funds through an online P2 P lending platform when they have financial constraints.The platform determines the service rate for the loan,the manufacturer sets the wholesale price for the product,and the retailer selects the order quantity for the product.We identified the best Stackelberg strategy for participants in the SCF system.In our research,we use loan service fees,limited financing quotas,and lending rates as risk control factors to explore the impact of the above risk control factors on retailers and producers' operational decisions.In this paper,we find that as the P2 P platform's service rate or Internet financing interest rate increases,the financing cost of capital-constrained retailers increases,which will force manufacturers to lower wholesale prices to maintain their sales.At the same time,the P2 P lending platform can set a lower service rate to facilitate ordering,and can also increase the level of financing quotas,so that manufacturers and retailers are more cautious in formulating their own decision-making variables,which reduces the operation of the company to a certain extent.In addition,we find that the lower financing limit can not meet the retailer's funding gap,which may result in the loss of profits common to both producers and retailers,which is not conducive to supply chain coordination.Therefore,it is believed that the rational setting of the risk control factor of the limited financing amount ?r by the P2 P lending platform will be more conducive to achieving a multi-win situation.