工业工程2025，Vol.28Issue(6)：122-136,15.DOI:10.3969/j.issn.1007-7375.250086
考虑支付偏好的平台信贷服务引入及费率策略
Introduction of Platform Credit Services and Fee Rate Strategies Considering Payment Preference
摘要
Abstract
In the context of e-commerce supply chains,taking the no-credit case as the benchmark model,this study incorporates a consumer payment choice model to characterize payment preference.Decision models for credit service introduction are then developed under scenarios with and without payment preference.The Karush-Kuhn-Tucker(KKT)condition and backward induction are used to derive the optimal decisions for all scenarios.The impact of consumers'payment preference behavior on the introduction of credit services and its fee rate strategy of e-commerce platform is explored through comparative analysis.Furthermore,based on the consideration of payment preference,the study innovatively explores two additional scenarios:differentiated default rates and a combined payment mode of"cash+credit".Results show that:1)In the credit-service scenario without payment preference,the e-commerce platform introduces credit services when the trouble cost is low;when the default rate is high or both the default rate and the trouble cost are low,an interest-charging strategy is adopted;otherwise,a subsidy strategy is adopted.2)In the credit-service scenario with payment preference,only consumers with sufficient budgets choose the credit services introduced by the platform when the pain-of-paying coefficient for cash is high and the trouble cost is low,even if the platform only adopts an interest-charging strategy.3)Under the condition that is more conducive to consumers using credit payment,the higher the total demand under payment preference,the greater the possibility of achieving a win-win situation for both parties in the e-commerce supply chain.4)Differentiated default rates do not change the platform decisions regarding credit introduction and fee rate strategies;however,in the combined payment scenario,as the proportion of cash payment gradually decreases,the platform shifts from an interest-charging strategy to a subsidy one.关键词
电商供应链/信贷服务/支付偏好/费率策略/组合支付Key words
e-commerce supply chain/credit service/payment preference/fee rate strategy/combination payment分类
管理科学引用本文复制引用
FENG Jiali,LIU Hongwei,LIN Qiang,LIU Xiaoqian..考虑支付偏好的平台信贷服务引入及费率策略[J].工业工程,2025,28(6):122-136,15.基金项目
国家自然科学基金资助项目(72471064,71671048) （72471064,71671048）
国家社会科学基金资助重大项目(22&ZD082) （22&ZD082）
教育部人文社会科学研究资助项目(22YJC630079) （22YJC630079）
广东省哲学社会科学规划资助项目(GD23XGL023) （GD23XGL023）
