数字研发资金受限的农产品供应链融资决策  

Financing Decision of Agricultural Product Supply Chain with Digital R&D Funding Constraint

作　　者：苏宁宁 SU Ningning(School of Economics&Management,Shanghai Maritime University,Shanghai 201306,China)

机构地区：[1]上海海事大学经济管理学院,上海201306

出　　处：《物流技术》2023年第7期86-94,共9页Logistics Technology

基　　金：国家自然科学基金项目(71971158,71473162,71371145);上海市绿色技术创新水平行动计划软科学研究重点项目(19692103800)。

摘　　要：构建由数字研发资金受限的农户、市场商户以及电商平台组成的双渠道供应链结构,农户投入数字设备进行数字制造、实时追溯行为。探讨农户分别通过银行贷款(BCF)和市场商户(TCF)取得融资的方案,并做出其在不同融资方案下的最优决策,最后通过数值分析验证模型的有效性。结论表明:农户融资方案的选择取决于贷款利率;在贷款利率相同且收益均等的情况下,相较于银行贷款,通过市场商户融资能够以较低的价格刺激市场需求,从而提升农户的社会效益;为促成供应链内部融资,市场商户可主动降低融资利率,以实现农户和市场商户的双赢局面。This paper constructed a dual-channel supply chain system consisting of a farmer with limited digital R&D funds,a market merchant and an e-commerce platform where the farmer would invest in digital equipment and engage in digital manufacturing and real-time tracing.Then it discussed the funding options for the farmer,including bank credit financing(BCF)and trade credit financing(TCF),and the optimal decision under different financing options.Finally it verified the effectiveness of the model through a numerical example.The conclusions showed that:The farmer's financing option depends on loan interest rate;Given the same loan interest rate and identical returns,compared to BCF,TCF could stimulate market demand at a lower price,thereby enhancing the social benefits of the farmer;In order to promote internal financing in the supply chain system,the market merchant could take the initiative to reduce financing interest rate to achieve a win-win situation for the farmer and the market merchant.

关 键 词：数字研发 资金受限 贸易信贷 银行借贷 供应链融资 融资策略 农产品 

分 类 号：C934[经济管理—管理学] F274F323.7