Price decision is studied in a risk-averse retailer-dominated dual-channel supply chain, which consisting of one manufacturers and one retailer with both off-line and on-line channels. Firstly, two mean-variance models in centralized and decentralized supply chain are established. Secondly, the optimal solutions under the two decision modes are compared and analyzed. The results shows that the price of dual-channel of retailer decreased with the increase of retailers’ risk- aversion coefficient and the standard deviation of the fluctuation of market demand, while the wholesale price changes is on the contrary; in addition, when the market demand is greater than a certain value, the prices of dual channel are correspondingly higher in decentralized supply chain than in centralized supply chain, and vice versa. In addition, when the retailer’s risk aversion is in a certain interval, the expected utility of the whole supply chain is greater in centralized supply chain than in decentralized decision, and vice versa. Finally, a numerical example is given to verify the above conclusions.

Agriculture is a basic industry that supports the construction and development of the national economy and plays an important role in promoting rural revitalization. And in the current post-COVID-19 era, agricultural SMEs have difficulty in obtaining the favours of financial institutions in normal lending due to their weak credit guarantee capabilities and high credit management costs. Difficulty in financing has become a bottleneck problem that plagues the development of enterprises and restricts the development of agricultural modernization. How to evaluate and control its credit risk is not only a major way to solve the financing difficulties of agricultural SMEs, but also the basis for the stable development of supply chain financial services. This paper analyzes three typical financing modes of agricultural SMEs from the perspective of supply chain finance, and takes the agricultural SMEs in the New OTC Market as an example to construct a Logistic model, and uses factor analysis to effectively predict the credit risk of supply chain finance. The results show that the operational efficiency factors, growth factors and related core corporate profitability of agricultural SMEs financing enterprises significantly affect their credit risk. After testing, the model is highly accurate in predicting the financing risks of agricultural SMEs.

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P2P online lending has faced many problems in recent years after explosive growth. The successive collapse of the P2P online lending platforms in 2018 has raised concerns about the prospects of this industry, which has become one of the core problems to be solved in the future development of Chinese P2P online lending industry. This paper discusses how to improve the quality, integrity, independence and credibility of information disclosure, and how to improve the independence and security of fund trust and liquidation services from the perspective of major service providers in the P2P online lending industry, such as P2P online lending platforms, bonding companies, fund trusteeship institutions, industry information platform, and liquidation institutions that may emerge in the future. This provides a feasible way to reduce the risk of bankruptcy of online lending platforms and enhances the credibility of the online lending industry. It has practical value for the main service providers of the online lending industry to improve the quality of service and the regulatory practice of regulatory authorities.