Supply chain guarantee financing system based on electronic retail platform

Abstract

The invention relates to a supply chain guarantee financing system based on an electronic retail platform, and the system comprises a retailer order quantity decision module which is used for constructing retailer profit functions with and without a guarantee financing mode, and obtaining the optimal order quantity of a retailer; the supplier wholesale contract decision module is used for performing reverse derivation according to the optimal order quantity of the retailer to obtain the wholesale price of the supplier; the bank financing interest rate decision-making module is used for determining a fund gap according to the optimal order quantity of the retailer, the wholesale price of the supplier and the initial fund quantity of the supplier, and deciding interest rates under different financing modes according to the market positioning of the bank; and the retailer provision guarantee financing decision module is used for comparing profit differences when the retailer provides or does not provide guarantee financing, and making a decision on whether to provide guarantee financing or not by the retailer. The system provided by the invention strengthens the relationship between the upstream and downstream of the supply chain and the bank, is beneficial for helping fund shortage enterprises to obtain financing, and reduces the loan risk of the bank.

Description

technical field [0001] The invention relates to the fields of block chain and machine learning, and in particular to a supply chain guarantee financing system based on an electronic retail platform. Background technique [0002] With the rapid development of social economy, lack of funds has become one of the prominent problems faced by enterprises, especially the development of small and medium-sized enterprises. Enterprises only rely on the traditional financing mode, that is, the mode of obtaining financing from banks by using enterprise assets as collateral, which has been difficult to meet the current financing needs. As a result, there are supply chain financing models that rely on supply chain financing and loan guarantee financing models that rely on third-party financing institutions to guarantee financing. Supply chain financing is to take the core enterprises in the supply chain and their related upstream and downstream supporting enterprises as a whole, and form...

AI Technical Summary

Problems solved by technology

When there are many financing guarantee institutions, the cost of accurate assessment and real-time monitoring by banks becomes the main reason why this financing model is not accepted

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