系统管理学报2025，Vol.34Issue(5)：1212-1228,17.DOI:10.3969/j.issn2097-4558.2025.05.002
具有准入标准的供应链绿色信贷融资模式
Green Credit Financing Model Analysis with Access Criteria in Supply Chain:Floating Interest Rate Versus Fixed Interest Rate
摘要
Abstract
With the advocacy of green development by the government,many enterprises try to achieve green transformation by investing in green technology,but they often face financial constraints.Therefore,banks introduce different green credit financing modes to help enterprises to finance.First,this paper analyzes the green credit financing model with the fixed interest rate for the manufacturer considering corporate social responsibility as the benchmark model.It is found that both green credit and corporate social responsibility can enhance the green level of the product,while they play a mutually reinforcing role.Therefore,in implementing the green credit policy,the government can encourage enterprises to fulfill corporate social responsibility,thereby realizing better environmental benefits.Then,this paper develops a green credit financing model with the floating interest rate related to the green level.It is found that when the cost coefficient of green research and development(R&D)is larger(small),manufacturers will choose the fixed(floating)interest financing mode.When the cost coefficient of green R&D is larger(small),the floating rate has a negative(positive)effect on the green level of the product.Green access criteria can eliminate the negative effect of floating interest rates on the green level of the product when the cost coefficient of green R&D is large.Therefore,when banks implement the floating rate financing model,they should set appropriate access criteria to enhance the effectiveness of the floating rate model.Finally,the financing model of joint decision-making on the green level for banks and manufacturers is analyzed.It is found that the mode of joint decision would increase the green level of the product and the utility of the whole system while reducing the utility of the manufacturer.关键词
绿色准入标准/绿色信贷融资/绿色供应链/企业社会责任/浮动利率Key words
green access criteria/green credit financing/green supply chain/corporate social responsibility/floating interest rate分类
管理科学引用本文复制引用
LIN Zhibing,WANG Guiyong..具有准入标准的供应链绿色信贷融资模式[J].系统管理学报,2025,34(5):1212-1228,17.基金项目
国家自然科学基金资助项目(72293563,71971047,71831003) （72293563,71971047,71831003）
