Subsidize or Not: The Competition of Credit Card and Online Credit in Platform-based Supply Chain System

Li, Quan; Zha, Yong; Yu, Dong

doi:10.1016/j.ejor.2022.06.003

Cited by 11 publications

(1 citation statement)

References 39 publications

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“…It is pointed out that the initial credit bills (digital bills) issued by core enterprises to suppliers are used instead of currencies, which are split and transferred layer by layer, thus realizing the credit derivation function. The credit creation ability is related to the initial credit amount opened by core enterprises, credit circulation speed, credit settlement period, supplier level, bank credit line to core enterprises, credit bill discount ratio and holding maturity ratio [ 15 ]. Zhan Yongzhi et al innovatively combine the reciprocal psychological utility and material utility of suppliers, taking providing reverse factoring and extending the credit period as their reciprocal conditions respectively, and defined the reciprocal psychological and material utility conditions for suppliers to accept the requirements of core enterprises to extend the credit period, hence providing a direct decision-making basis for core enterprises to reasonably determine the extension period of the credit period and balance interests [ 16 ].…”

Section: Methodsmentioning

confidence: 99%

Granting analysis of the credit financing of the platform-type highway transportation supply chain

Xu,

Liu,

Chu

2024

PLoS ONE

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Against the background of digital development, this study’s research object is the platform-based highway transportation supply chain. It also analyzes two modes of supply chain financial credit financing, namely, upstream, and downstream enterprises of the platform, and network freight platform as the main financing body. Notably, the financial provider sets up a transaction credit based on the principle of business truth, and closed-loop transactions, determine the upper limit of the credit line based on the principle of financing self-compensation, build the expected profit maximization model, and establish the optimal credit line. Combined with the Highway Freight Index and Logistics Prosperity Index, the dynamic early warning value is established for the financing mode, where the platform as the main financing body. Through numerical analysis, the credit line and expected profit increase with the transaction credit, expected freight volume, and credit interest rate under the two modes, and the increase deriving from the credit interest rate is more significant. Finally, this paper describes the two-dimensional credit matrix of the financing subject via transaction credit and credit interest rate, which provides an intuitive credit reference for financial institutions to conduct the credit financing of the platform-based highway transportation supply chain.

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Section: Methodsmentioning

confidence: 99%

Granting analysis of the credit financing of the platform-type highway transportation supply chain

Xu,

Liu,

Chu

2024

PLoS ONE

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To Share or Not? Hybrid e‐Commerce Platform's Provision and Sharing Strategies of Consumer Credit Service

Feng,

Zhang,

Yao

et al. 2024

Manage Decis Econ

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As a new financial innovation, consumer credit services are increasingly embraced by e‐commerce platforms. This paper presents a stylized model to determine when an e‐commerce platform should launch credit services and whether to share them with third‐party sellers. Our findings indicate that the platform benefits from launching credit services only when consumer preference outweighs the delinquency rate. Furthermore, service sharing can create a win‐win scenario with moderate fees and high consumer preference. Contrary to common belief, sharing services with sellers can reduce consumer surplus, suggesting that widespread use of consumer credit services is not necessarily beneficial for consumers.

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Frauds in Banking System: Frauds with Cards and Their Associated Services

Beju,

Făt

2023

Contributions to Finance and Accounting

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Subsidize or Not: The Competition of Credit Card and Online Credit in Platform-based Supply Chain System

Cited by 11 publications

References 39 publications

Granting analysis of the credit financing of the platform-type highway transportation supply chain

Granting analysis of the credit financing of the platform-type highway transportation supply chain

To Share or Not? Hybrid e‐Commerce Platform's Provision and Sharing Strategies of Consumer Credit Service

Frauds in Banking System: Frauds with Cards and Their Associated Services

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