Order Decision Based On Behavior Operation And Risk Prevention In Confirmed Warehouse Mode

Supply chain finance is an important part of smart supply chain.We should actively and steadily develop supply chain finance,promote supply chain finance to serve the real economy,and effectively prevent supply chain finance risks.The existing supply chain financial risks are mostly analyzed from the perspective of market,law and regulation.The purpose of this paper is to explore the influence of behavioral factors on decision-making and apply them to supply chain financial risk management.Taking the confirmed warehouse model in supply chain finance as the research object,this paper studies the character and behavior characteristics of distributors and the loan interest rate of Banks and other financial institutions providing financing services for enterprises downstream of supply chain according to different decision makers.On the basis of the news vendor model,the variance deviation coefficient is increased according to the character characteristics.Through the theory and method of behavioral operations research,the paper boy model was improved,and the questionnaire of the personality and behavior characteristics experiment of decision makers was designed by combining the big five personality and the theory of occupational personality test,etc.,to measure the personal professional personality characteristics of purchasing managers and the influence of the behavior characteristics of decision makers on decision-making.Then,the interest rate model of financial institutions related to distributor decisions is constructed to study the interest rate floating decisions of distributors and financial institutions in different periods and based on different behavioral characteristics.Studies show that,overall,decision-makers show risk aversion during peak seasons and risk pursuit during off seasons.The moderately confident decision-makers made better decisions in the peak season than the moderately conservative group,but the difference was not obvious in the off-season.Then the relationship between the order quantity of the decision maker and the interest rate setting of the financial institution is calculated based on the interest rate calculation model of the financial institution.Studies show that interest rates do not change within a certain range.Financial institutions can set different interest rates for different periods of time by dividing the amount of loans into ranges,or by classifying dealers.In this paper,behavioral factors are integrated into the study of supply chain financial risks.In addition to verifying the decision-making differences among different groups,it also provides a basis for financial institutions to control risks and make interest rates in supply chain finance.