A Study On Pledge Delivery Disruption Management Model Based On Prospect Theory

In recent years,with the rapid development of Internet technology and fintech,supply chain finance has gradually risen and become one of the emerging sectors of China’s financial industry.Among them,the inventory financing business has been expanding,has become an important part of the supply chain finance field.However,the inventory financing business has certain risks,especially the pledge distribution problem.How to effectively solve the problem of pledge distribution and ensure the normal operation of inventory financing has become more and more concerned by the academic and business circles.Aiming at this problem,this paper aims to explore how to effectively solve the pledge distribution problem in inventory financing business through interference management,and bring a new research vision and approach for this field.This paper firstly analyzes the application scope of pledge distribution under the inventory financing business,the characteristics of pledge distribution and the influencing factors of pledge distribution.According to the pledge property,penalty function and supervision variable are introduced to establish the basic model of minimizing the distribution cost of pledge.Then,the paper identifies and measures the interference of logistics operators,distribution agents,downstream customers of the supply chain,banks and other financial institutions through the prospect theory,and fully considers the different subjects’ preferences for satisfaction and timeliness,so that the proposed behavior-based interference measurement method can better meet the actual needs.In order to solve the problem of disturbance delay in delivery of pledges,a multi-objective disturbance management model is designed,and an optimization scheme is obtained by combining simulated annealing algorithm and particle swarm optimization algorithm.The scheme has the characteristics of low disturbance and high feasibility.The reliability and effectiveness of the interference management method are proved by an example analysis.Compared with traditional rescheduling methods,the distribution schedule cost increase of interference management is small,which can significantly reduce downstream customer and bank dissatisfaction,and reduce road network changes.The research results of this paper have important theoretical and practical significance.On the one hand,this paper provides an effective pledge distribution interference management scheme,which can help logistics enterprises better deal with unpredictable factors such as road congestion and sudden change of weather,and improve distribution efficiency,safety and customer satisfaction.On the other hand,this paper analyzes the characteristics and influencing factors of pledge distribution under inventory financing business,which is helpful for related enterprises and financial institutions to optimize operation and management,so as to reduce adverse risks.