Abstract:

E-commerce platform plays a key role in alleviating the financing difficulties of small and medium-sized enterprises in the digital economy era. Meanwhile， in a complex and ever-changing development environment， resilience factors have a significant impact on the stability of capital flow and the selection of financing models for platform supply chains. It systematically explores financing supply and selection strategies in the platform supply chain， conflicts between strategies， and proposes corresponding conflict resolution mechanisms in this study. A decision-making system consisting of an e-commerce platform， a manufacturer， and a retailer is constructed that faces the risk of demand interruption and has a certain resilience to resist risks. The e-commerce platform provides digital credit financing and guarantee credit financing for the financially constrained retailer. Meanwhile， the manufacturer provides trade credit financing to the retailer. First， it explores the optimal financing supply strategy of the e-commerce platform and the optimal financing selection strategy of the retailer. Second， the strategic conflict between financing supply and financing choice is analyzed. Finally， the interest rate dynamic adjustment mechanism is designed to resolve the conflict between financing supply and demand.The results show that when the initial capital of the retailer is low and the production cost of the products is high， the e-commerce platform can obtain the highest profit in trade credit financing. When the initial capital of the retailer is low and the production cost of the product is low， the platform prefers to provide digital credit financing and guarantee credit financing when the resilience is high and low， respectively. When the initial capital of the retailer is high， the best choice for the e-commerce platform is trade credit financing. Retailers with low， medium and high initial capital prefer to select trade credit， guarantee credit and digital credit financing models respectively. The dynamic interest rate adjustment mechanism designed in this research can effectively alleviate the financing choice conflicts between e-commerce platform and retailer and achieve win-win situation for both sides. Methodological tools and strategic recommendations for selecting financing models and resolving financing conflicts in the platform supply chain with resilience considerations are provided in this study.

Key words: platform financing, capital constraints, supply chain resilience, model selection, mechanism design